2016-2017 Affiliate Member Directory
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Transcript of 2016-2017 Affiliate Member Directory
Affiliate Member Directory
F A A R C O N N E C T2 0 1 6 - 2 0 1 7
wwwfaarmemberscom
The
ofRealEstate
2
Agents - 1431Real estate companies ndash 168
Affiliates - 124
FAAR MEMBER COUNTas of 3312016
The Association covers the City of Fredericksburg and the Counties of Stafford Spotsylvania King George and Caroline Although some members do business in other counties (Orange Westmoreland Prince William etc) they have selected FAAR to be their primary association Agents please use the services of our affiliate members who represent allied services in the real estate industry
Table of Contents
Fredericksburg Area Association of REALTORSreg2050 Gordon W Shelton Blvd Fredericksburg VA 22401 | (540) 373-7711- phone | (540) 736-0301- fax
wwwfaarmemberscom
Sentrilock Product PricingProduct pricingper unit plus sales tax
Lockboxes $11000 Key Card Replacement $1000 Key Reader Replacement $4000 Key Box Battery Replacement (set of 2) $800
2016 Leadership Team
FAAR Staff
Meet-up
Multilingual Members
Benefits of Membership
2016 Committees Task Forces and Networks
FAAR Introduces REALTOR Ombudsman Program
Regional Government Officials
Young Professionals Network (YPN)
Digital Directory
School Board Contacts
Local Utilities
RPAC
Real Estate Career Academy
FAAR Events
Fredericksburg REALTORSreg Foundation
Get Ready Get Set Get REALTORreg
RECA Road Shows
Certifications and Designations
Affiliate Directory by category
Affiliate Directory alphabetically
Top 10 REALTORreg Safety Tips
Welcome to the 2016-2017 FAAR Directory It is all about US
FAAR REBRANDING - WATCH FOR THE DROP
After twenty years of the FAAR logo depicting a house a building and land FAAR is getting a new logo The new image will touch off renewed dedication to make the next twenty years even more beneficial to the membership It will also be a renewed commitment to give back to the community through charitable endeavors and a re-dedication to safeguard the right of home owners and property owners FAARrsquos school Real Estate Career Academy (RECA) will be re-launched as the FAAR Academy with a new look
3
4
5
7
8
12
14
16
19
20
22
24
27
28
30
32
34
38
40
42
50
58
FAAR MEMBER COUNTas of 3312016
3
PresidentChristine Singhass ABRCarolinersquos Realty826-A Caroline StPO Box 125Fredericksburg VA 22404housingoppsgmailcom
President-ElectLinda Fosdick ABR CRS GRIDockside Realty4634 Courthouse RdMineral VA 23117(540) 895-9400Lindadiscoverlakeannacom
Laura FangmanNest Realty510 Princess Anne StFredericksburg VA 22401(540) 316-0611 laurafangmannestrealtycom
Treasurer Arlene MasonColdwell Banker Carriage House Realty Inc520 William St Suite AFredericksburg VA 22401(540) 373-0100arlenecbcarriagehousecom
Erin NewbillVirginia CU Realty1281 Central Park BlvdFredericksburg VA 22407(540) 891-3187erinnewbillvacurealtycom
Brooke D Miller ABR GRI CRSCRBLong amp Foster Inc - Fredericksburg1910 William StFredericksburg VA 22401(540) 371-5220brookemillerlongandfostercom
Immediate Past President
2016 Delegates to the VAR Delegate Body
Drew FristoeColdwell Banker Elite-Massaponax4840 Southpoint DrFredericksburg VA 22407(540) 735-2600dfristoecoldwellbankerelitecom
Kevin McGrathLong and Foster-Fredericksburg1910 William StFredericksburg VA 22401(540) 371-5220fredvalnfcom
Vice President
Mark GeslockCentury 21 Redwood Realty 10601 Courthouse Rd Fredericksburg VA 22407(540) 785-2225MGeslockmyno9to5com
Secretary
Chip Taylor Century 21 Battlefield15521 Real Estate Ave Suite 100 King George VA 22485(540) 663-2000connectwithchipgmailcom
Pam KuperCentury 21 New Millennium1931 Plank Rd Suite 201Fredericksburg VA 22401(540) 373-2000superpamkupergmailcom
Sandra Pearce PMNColdwell Banker Elite990 Bragg RdFredericksburg VA 22407(540) 548-2220spearcecoldwellbankerelitecom
2016LEADERSHIPTEAM
President Christine Singhass President-Elect Linda FosdickAt-large Andrea Maitland
Directors
Welcome to the 2016-2017 FAAR Directory It is all about US
Chris SuttleReceptionistMembership Services
Assistantcsuttlefaarmemberscom
Your FAAR Staff
4
Barbara CastilloEducation Director
bcastillofaarmemberscom
Lori Hillard-WehrMembership Services Director
lhillardwehrfaarmemberscom
Kim McClellanGovernmental Affairs Director
kmcclellanfaarmemberscom
Pat Breme RCE CIPSChief Executive Officer
pbremefaarmemberscom
Lauren ZuzaWebmaster Communications
Managerlzuzafaarmemberscom
Julie CarrigerMarketing Director
jcarrigerfaarmemberscom
Save
the date
Meetup
Sharon ToombsFinancial Director
stoombsfaarmemberscom
FAAR EXPO
September 14 2016
EXPO Floor onlymdash
FREE for Members
55
REAL TALK FAAR
MEETUP
Meetup is for all real estate agents and those in real estate related fields associated with the Fredericksburg Area Association of REALTORSreg who are interested in networking idea sharing engaging discussions increasing business and learning from others The goal of the meetup group is to forge relationships within the real estate community and to learn and grow from each other (All FAAR members- REALTORSreg and Affiliate Members are invited to participate)
GET INVOLVED
Date Event VenueApril 21st Adult Spelling Bee Park Lane Tavern
May 19th Family Feud TBD
June 25th Tubing on the Rappahannockfollowed by cookout sponsored by American Home Shield
TBD
July 21st Lake Anna Beach Bash Tims II
September 15th Jeopardy TBD
October 22nd Scavenger Hunt Hurkamp Park
November 17th Pictionary TBD
December 15th Holiday Spectacular TBD
December 16th Acts of Kindness TBD
2016 Meetups
Chip Taylor connectwithchipgmailcom
FOR MORE INFO CONTACT
Meetup
all dates and locations subject to change
ALCOVA Mortgage is a full
service mortgage banker with
more than 40 branches in
9 states We are this years
FAAR Diamond Sponsor and
selected 2015 Affiliate of the
Year offering
bull 100 Financing
bull USDA FHA VA
bull VHDA
bull Conventional
bull Manufactured Home Loans
TONY BOLDINGLoan Officer Sales ManagerNMLS ID 892203
7036251132 Celltboldingalcovamortgagecom
Two convenient locationsFredericksburg and Locust Grove
ALCOVA Mortgage LLC | Company NMLS ID 40508NMLS Consumer Access (nmlsconsumeraccessorg)
Call TODAY5406562869
FredericksburgwwwALCOVALoanscom
Locust GrovewwwLocustGroveLoanscom
ALCOVA MORTGAGE
BARRY MOOREBranch Manager Loan OfficerNMLS ID 73116
5408460477 Cellbmoorealcovamortgagecom
KIM THAGHOLMLoan OfficerNMLS ID 482595
5402956674 Cellkthagholmalcovamortgagecom
Multilingual Members
6
Multilingual MembersFRENCHLinda Caron Century 21 New Millennium Fredericksburg (540) 373-2000 x124
Mark Forror Exit Real Estate Professionals (540) 371-2002
GERMAN Tanja Allen Keller Williams Superior Realty (540) 785-2225 GREEK Bill Geronymakis Keller Williams Superior Realty (540) 840-2141
ITALIANMelina Ogershok Coldwell Banker Elite Stafford (540) 659-2141
KOREANYoung Cameron 1st Choice Better Homes amp Land (540) 226-1226
Kison Fenwick Weichert Realtors (540) 287-8036
Kim Gunselman Gunselman Realty Property Management LLC (540) 412-2707
Sharon Lee Coldwell Banker ElitendashStafford (540) 659-2141
PORTUGUESECarla Criscuolo Long amp Foster Inc Fredericksburg (540) 371-5220
Sara Figerella Coldwell Banker Elite-Stafford (540) 659-2141
ROMANIANLudita McDonald Arista Real Estate (540) 544-8423
RUSSIAN Vassa Olson REMax Corner Stone (540) 972-1777
Donna M Chandler Century 21 Redwood Realty (540) 898-2900
SHONA Mark Forror Exit Real Estate Professionals (540) 371-2002
SPANISHMaribel Barker MACDOC Realty (540) 479-6409
Marina Caminos Preferred Real Estate (540) 841-4045
Larry Contreras Prime Realty LLC (540) 898-4800
Sara Figarella Coldwell Banker ElitendashStafford (540) 659-2141 Joseacute Flores Coldwell Banker ElitendashStafford (540) 659-2141
Elizabeth Manzano Long amp Foster Inc ndash Fredericksburg (540) 371-5220
Ada Murphy Coldwell Banker Elite- Fredericksburg (540) 735-2600
Jaime Negron Realty Management Group703-709-1011
Kristofer L Nance Nance amp Associates (540) 373-7474
Stephanie S Nance Nance amp Associates (540) 373-7474
Elsa Rake Century 21 Redwood Realty- Stafford (540) 659-2161
Denise Ramos Virginia CU Realty (804) 267-5478
Jorge Robert Coldwell Banker Elite ndash Stafford (540) 659-2141
Jorge Saliceti Berkshire Hathaway Homes Services Select Realty (540) 684-1122
Pia Sanchez Prime Realty LLC (540) 684-1122
Madeline Soto Q Real Estate(540) 785-2225
Kelly Gronau DodsonColdwell Banker Elite (540) 972-9040
VIETNAMESESabrina Campbell Exit Professional Real Estate (540) 785-2002
7
The Foundation raised over $6000 for the Thurman Brisben Center Over the last three years the Foundation has granted out over $32000 to area non-profit housing organizations through the generous contributions of our REALTORreg and affiliate members
Pictured left to right Natalie Holt Donna Chandler Mary Beth Rich Kim Lally amp Roger Trott of Thurman Brisben Center Cindy LeBrun Julie Carriger
8
GENERAL
Metropolitan Regional Information Systems (MRIS)- FAAR is a stockholder member of MRIS which provides agents with member pricing
Leadership- FAAR is recognized as a progressive association with capable leaders focused on providing relevant services and benefits to the membership
Strategic Plan- The Board of Directors reviews the Plan quarterly to track the implementation of its objectives A facilitated planning session occurs every three years
Professional Staff- The staff of eight carry out the policies set by the Board of Directors They are knowledgeable in their respective fields and dedicated to delivering stellar service
CommitteesGovernance- The various groups of volunteers plan and execute an array of networking opportunities and ensure that the association operates according to NAR policies
Financial Stability- FAAR is financially solvent guided by sound policies and investment planning
Office Visits- The staff and leadership visit real estate offices to bring information about the association and to address your concerns
Affiliate Marketing Program (AMP)- Affiliates are given the opportunity to network more closely with members by sponsoring association events and programs Activities are often free to the members because of the sponsorships of the AMPs
ITrsquoS ABOUT US
The mission of the Fredericksburg Area Association of REALTORSreg is to provide its members with the resources to deliver professional and ethical service and to advocate for issues impacting real estate FAAR strives to accomplish this mission through a variety of services offered to members Take advantage of these products and services today
Benefits of Membership
Office visits by FAAR staff ramp up enthusiasm for March is for Members
Pictured Exit Realty in King George Richard Snow with agents and staff
9
PROFESSIONAL DEVELOPMENT
New Member Orientation- Orientation gives members the chance to learn about what services the Association provides and also tools to make your business successful
Continuing Education- Earn continuing or post license education credits or enhance your knowledge through a broad selection of classes taught by top-notch instructors
Designations- Obtain special designations to advance your education and your career through various designation courses throughout the year
Non-Credit Educational Opportunities- FAAR offers many opportunities for education that are outside of license renewal The 6-week Success Series provides new agents with hands-on tools and real life experiences
to help establish their business For veteran agents FAAR offers many classes aimed at building your business to increase both productivity and profitability
Outreach Events- FAAR hosts a variety of outreach events in areas like North Stafford Lake Anna Caroline and King George to bring both education and business building opportunities to all of our agents
NetworkingCommittee Involvement- FAAR committees help you develop leadership skills and make valuable contacts Members can help shape the Associationrsquos future
Awards and Recognition- Recognition is awarded for outstanding achievements in your profession at the annual FAAR Awards Event and Installation Dinner
FAAR Expo- FAARs premier education and networking event held every September Get access to multiple hours of CE credit and visit with 90+ vendors
Additional Events- Special events for members may include economic summits transportation meetings family fun days bowling and a variety of other opportunities to network
Each February REALTORSreg and affiliate members descend on Capitol Square in Richmond to lobby their members of the General Assembly on issues of importance to real estate
10
Benefits of MembershipCOMMUNICATIONS
Website and Facebook Page- FAARs website and Facebook pages are your online information resource available 247 for the latest news events MLS statistics industry trends and feature articles
E-Newsletters- FAAR provides an update each week focused on general association events education advocacy and brokers Open the emails to find out whats going on with the Association and industry trends
PRODUCTS AND SERVICES
Professional Discounts- With your membership receive discounts for a variety of services and products through FAAR VAR and NAR vendors
REALTORreg Store and Member Lounge- The REALTORreg Store offers popular business items from sign riders to St Joseph statues The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news Need to access a computer There is one available in the Member Lounge
Lockbox and Key Services- Purchase lockboxes and keys at the FAAR office
Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening FAAR provides a short press release version and also provides a longer agent-focused version packed with charts and graphs
Notary Service- FAAR staff member Lori Hillard-Wehr is a notary public Contact Lori at the office to schedule an appointment for free notary services
PROFESSIONALSTANDARDS
Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve FAAR provides risk management courses in-house arbitration and conducts ethics hearings
Mediation Services- FAAR works to resolve disputes between members
Ombudsman Program- Added to resolve issues before they become a complaint
GOVERNMENT AFFAIRS
Legislative Advocacy- FAAR is your voice in local state and national government real estate issues offering members the opportunity for direct involvement
RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong Relationships fostered through RPAC help REALTORSreg cut through government red tape to ensure that our members can keep practicing the profession they love
Connect with us
Click on the phone to go to the social media channel
on screen
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
2
Agents - 1431Real estate companies ndash 168
Affiliates - 124
FAAR MEMBER COUNTas of 3312016
The Association covers the City of Fredericksburg and the Counties of Stafford Spotsylvania King George and Caroline Although some members do business in other counties (Orange Westmoreland Prince William etc) they have selected FAAR to be their primary association Agents please use the services of our affiliate members who represent allied services in the real estate industry
Table of Contents
Fredericksburg Area Association of REALTORSreg2050 Gordon W Shelton Blvd Fredericksburg VA 22401 | (540) 373-7711- phone | (540) 736-0301- fax
wwwfaarmemberscom
Sentrilock Product PricingProduct pricingper unit plus sales tax
Lockboxes $11000 Key Card Replacement $1000 Key Reader Replacement $4000 Key Box Battery Replacement (set of 2) $800
2016 Leadership Team
FAAR Staff
Meet-up
Multilingual Members
Benefits of Membership
2016 Committees Task Forces and Networks
FAAR Introduces REALTOR Ombudsman Program
Regional Government Officials
Young Professionals Network (YPN)
Digital Directory
School Board Contacts
Local Utilities
RPAC
Real Estate Career Academy
FAAR Events
Fredericksburg REALTORSreg Foundation
Get Ready Get Set Get REALTORreg
RECA Road Shows
Certifications and Designations
Affiliate Directory by category
Affiliate Directory alphabetically
Top 10 REALTORreg Safety Tips
Welcome to the 2016-2017 FAAR Directory It is all about US
FAAR REBRANDING - WATCH FOR THE DROP
After twenty years of the FAAR logo depicting a house a building and land FAAR is getting a new logo The new image will touch off renewed dedication to make the next twenty years even more beneficial to the membership It will also be a renewed commitment to give back to the community through charitable endeavors and a re-dedication to safeguard the right of home owners and property owners FAARrsquos school Real Estate Career Academy (RECA) will be re-launched as the FAAR Academy with a new look
3
4
5
7
8
12
14
16
19
20
22
24
27
28
30
32
34
38
40
42
50
58
FAAR MEMBER COUNTas of 3312016
3
PresidentChristine Singhass ABRCarolinersquos Realty826-A Caroline StPO Box 125Fredericksburg VA 22404housingoppsgmailcom
President-ElectLinda Fosdick ABR CRS GRIDockside Realty4634 Courthouse RdMineral VA 23117(540) 895-9400Lindadiscoverlakeannacom
Laura FangmanNest Realty510 Princess Anne StFredericksburg VA 22401(540) 316-0611 laurafangmannestrealtycom
Treasurer Arlene MasonColdwell Banker Carriage House Realty Inc520 William St Suite AFredericksburg VA 22401(540) 373-0100arlenecbcarriagehousecom
Erin NewbillVirginia CU Realty1281 Central Park BlvdFredericksburg VA 22407(540) 891-3187erinnewbillvacurealtycom
Brooke D Miller ABR GRI CRSCRBLong amp Foster Inc - Fredericksburg1910 William StFredericksburg VA 22401(540) 371-5220brookemillerlongandfostercom
Immediate Past President
2016 Delegates to the VAR Delegate Body
Drew FristoeColdwell Banker Elite-Massaponax4840 Southpoint DrFredericksburg VA 22407(540) 735-2600dfristoecoldwellbankerelitecom
Kevin McGrathLong and Foster-Fredericksburg1910 William StFredericksburg VA 22401(540) 371-5220fredvalnfcom
Vice President
Mark GeslockCentury 21 Redwood Realty 10601 Courthouse Rd Fredericksburg VA 22407(540) 785-2225MGeslockmyno9to5com
Secretary
Chip Taylor Century 21 Battlefield15521 Real Estate Ave Suite 100 King George VA 22485(540) 663-2000connectwithchipgmailcom
Pam KuperCentury 21 New Millennium1931 Plank Rd Suite 201Fredericksburg VA 22401(540) 373-2000superpamkupergmailcom
Sandra Pearce PMNColdwell Banker Elite990 Bragg RdFredericksburg VA 22407(540) 548-2220spearcecoldwellbankerelitecom
2016LEADERSHIPTEAM
President Christine Singhass President-Elect Linda FosdickAt-large Andrea Maitland
Directors
Welcome to the 2016-2017 FAAR Directory It is all about US
Chris SuttleReceptionistMembership Services
Assistantcsuttlefaarmemberscom
Your FAAR Staff
4
Barbara CastilloEducation Director
bcastillofaarmemberscom
Lori Hillard-WehrMembership Services Director
lhillardwehrfaarmemberscom
Kim McClellanGovernmental Affairs Director
kmcclellanfaarmemberscom
Pat Breme RCE CIPSChief Executive Officer
pbremefaarmemberscom
Lauren ZuzaWebmaster Communications
Managerlzuzafaarmemberscom
Julie CarrigerMarketing Director
jcarrigerfaarmemberscom
Save
the date
Meetup
Sharon ToombsFinancial Director
stoombsfaarmemberscom
FAAR EXPO
September 14 2016
EXPO Floor onlymdash
FREE for Members
55
REAL TALK FAAR
MEETUP
Meetup is for all real estate agents and those in real estate related fields associated with the Fredericksburg Area Association of REALTORSreg who are interested in networking idea sharing engaging discussions increasing business and learning from others The goal of the meetup group is to forge relationships within the real estate community and to learn and grow from each other (All FAAR members- REALTORSreg and Affiliate Members are invited to participate)
GET INVOLVED
Date Event VenueApril 21st Adult Spelling Bee Park Lane Tavern
May 19th Family Feud TBD
June 25th Tubing on the Rappahannockfollowed by cookout sponsored by American Home Shield
TBD
July 21st Lake Anna Beach Bash Tims II
September 15th Jeopardy TBD
October 22nd Scavenger Hunt Hurkamp Park
November 17th Pictionary TBD
December 15th Holiday Spectacular TBD
December 16th Acts of Kindness TBD
2016 Meetups
Chip Taylor connectwithchipgmailcom
FOR MORE INFO CONTACT
Meetup
all dates and locations subject to change
ALCOVA Mortgage is a full
service mortgage banker with
more than 40 branches in
9 states We are this years
FAAR Diamond Sponsor and
selected 2015 Affiliate of the
Year offering
bull 100 Financing
bull USDA FHA VA
bull VHDA
bull Conventional
bull Manufactured Home Loans
TONY BOLDINGLoan Officer Sales ManagerNMLS ID 892203
7036251132 Celltboldingalcovamortgagecom
Two convenient locationsFredericksburg and Locust Grove
ALCOVA Mortgage LLC | Company NMLS ID 40508NMLS Consumer Access (nmlsconsumeraccessorg)
Call TODAY5406562869
FredericksburgwwwALCOVALoanscom
Locust GrovewwwLocustGroveLoanscom
ALCOVA MORTGAGE
BARRY MOOREBranch Manager Loan OfficerNMLS ID 73116
5408460477 Cellbmoorealcovamortgagecom
KIM THAGHOLMLoan OfficerNMLS ID 482595
5402956674 Cellkthagholmalcovamortgagecom
Multilingual Members
6
Multilingual MembersFRENCHLinda Caron Century 21 New Millennium Fredericksburg (540) 373-2000 x124
Mark Forror Exit Real Estate Professionals (540) 371-2002
GERMAN Tanja Allen Keller Williams Superior Realty (540) 785-2225 GREEK Bill Geronymakis Keller Williams Superior Realty (540) 840-2141
ITALIANMelina Ogershok Coldwell Banker Elite Stafford (540) 659-2141
KOREANYoung Cameron 1st Choice Better Homes amp Land (540) 226-1226
Kison Fenwick Weichert Realtors (540) 287-8036
Kim Gunselman Gunselman Realty Property Management LLC (540) 412-2707
Sharon Lee Coldwell Banker ElitendashStafford (540) 659-2141
PORTUGUESECarla Criscuolo Long amp Foster Inc Fredericksburg (540) 371-5220
Sara Figerella Coldwell Banker Elite-Stafford (540) 659-2141
ROMANIANLudita McDonald Arista Real Estate (540) 544-8423
RUSSIAN Vassa Olson REMax Corner Stone (540) 972-1777
Donna M Chandler Century 21 Redwood Realty (540) 898-2900
SHONA Mark Forror Exit Real Estate Professionals (540) 371-2002
SPANISHMaribel Barker MACDOC Realty (540) 479-6409
Marina Caminos Preferred Real Estate (540) 841-4045
Larry Contreras Prime Realty LLC (540) 898-4800
Sara Figarella Coldwell Banker ElitendashStafford (540) 659-2141 Joseacute Flores Coldwell Banker ElitendashStafford (540) 659-2141
Elizabeth Manzano Long amp Foster Inc ndash Fredericksburg (540) 371-5220
Ada Murphy Coldwell Banker Elite- Fredericksburg (540) 735-2600
Jaime Negron Realty Management Group703-709-1011
Kristofer L Nance Nance amp Associates (540) 373-7474
Stephanie S Nance Nance amp Associates (540) 373-7474
Elsa Rake Century 21 Redwood Realty- Stafford (540) 659-2161
Denise Ramos Virginia CU Realty (804) 267-5478
Jorge Robert Coldwell Banker Elite ndash Stafford (540) 659-2141
Jorge Saliceti Berkshire Hathaway Homes Services Select Realty (540) 684-1122
Pia Sanchez Prime Realty LLC (540) 684-1122
Madeline Soto Q Real Estate(540) 785-2225
Kelly Gronau DodsonColdwell Banker Elite (540) 972-9040
VIETNAMESESabrina Campbell Exit Professional Real Estate (540) 785-2002
7
The Foundation raised over $6000 for the Thurman Brisben Center Over the last three years the Foundation has granted out over $32000 to area non-profit housing organizations through the generous contributions of our REALTORreg and affiliate members
Pictured left to right Natalie Holt Donna Chandler Mary Beth Rich Kim Lally amp Roger Trott of Thurman Brisben Center Cindy LeBrun Julie Carriger
8
GENERAL
Metropolitan Regional Information Systems (MRIS)- FAAR is a stockholder member of MRIS which provides agents with member pricing
Leadership- FAAR is recognized as a progressive association with capable leaders focused on providing relevant services and benefits to the membership
Strategic Plan- The Board of Directors reviews the Plan quarterly to track the implementation of its objectives A facilitated planning session occurs every three years
Professional Staff- The staff of eight carry out the policies set by the Board of Directors They are knowledgeable in their respective fields and dedicated to delivering stellar service
CommitteesGovernance- The various groups of volunteers plan and execute an array of networking opportunities and ensure that the association operates according to NAR policies
Financial Stability- FAAR is financially solvent guided by sound policies and investment planning
Office Visits- The staff and leadership visit real estate offices to bring information about the association and to address your concerns
Affiliate Marketing Program (AMP)- Affiliates are given the opportunity to network more closely with members by sponsoring association events and programs Activities are often free to the members because of the sponsorships of the AMPs
ITrsquoS ABOUT US
The mission of the Fredericksburg Area Association of REALTORSreg is to provide its members with the resources to deliver professional and ethical service and to advocate for issues impacting real estate FAAR strives to accomplish this mission through a variety of services offered to members Take advantage of these products and services today
Benefits of Membership
Office visits by FAAR staff ramp up enthusiasm for March is for Members
Pictured Exit Realty in King George Richard Snow with agents and staff
9
PROFESSIONAL DEVELOPMENT
New Member Orientation- Orientation gives members the chance to learn about what services the Association provides and also tools to make your business successful
Continuing Education- Earn continuing or post license education credits or enhance your knowledge through a broad selection of classes taught by top-notch instructors
Designations- Obtain special designations to advance your education and your career through various designation courses throughout the year
Non-Credit Educational Opportunities- FAAR offers many opportunities for education that are outside of license renewal The 6-week Success Series provides new agents with hands-on tools and real life experiences
to help establish their business For veteran agents FAAR offers many classes aimed at building your business to increase both productivity and profitability
Outreach Events- FAAR hosts a variety of outreach events in areas like North Stafford Lake Anna Caroline and King George to bring both education and business building opportunities to all of our agents
NetworkingCommittee Involvement- FAAR committees help you develop leadership skills and make valuable contacts Members can help shape the Associationrsquos future
Awards and Recognition- Recognition is awarded for outstanding achievements in your profession at the annual FAAR Awards Event and Installation Dinner
FAAR Expo- FAARs premier education and networking event held every September Get access to multiple hours of CE credit and visit with 90+ vendors
Additional Events- Special events for members may include economic summits transportation meetings family fun days bowling and a variety of other opportunities to network
Each February REALTORSreg and affiliate members descend on Capitol Square in Richmond to lobby their members of the General Assembly on issues of importance to real estate
10
Benefits of MembershipCOMMUNICATIONS
Website and Facebook Page- FAARs website and Facebook pages are your online information resource available 247 for the latest news events MLS statistics industry trends and feature articles
E-Newsletters- FAAR provides an update each week focused on general association events education advocacy and brokers Open the emails to find out whats going on with the Association and industry trends
PRODUCTS AND SERVICES
Professional Discounts- With your membership receive discounts for a variety of services and products through FAAR VAR and NAR vendors
REALTORreg Store and Member Lounge- The REALTORreg Store offers popular business items from sign riders to St Joseph statues The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news Need to access a computer There is one available in the Member Lounge
Lockbox and Key Services- Purchase lockboxes and keys at the FAAR office
Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening FAAR provides a short press release version and also provides a longer agent-focused version packed with charts and graphs
Notary Service- FAAR staff member Lori Hillard-Wehr is a notary public Contact Lori at the office to schedule an appointment for free notary services
PROFESSIONALSTANDARDS
Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve FAAR provides risk management courses in-house arbitration and conducts ethics hearings
Mediation Services- FAAR works to resolve disputes between members
Ombudsman Program- Added to resolve issues before they become a complaint
GOVERNMENT AFFAIRS
Legislative Advocacy- FAAR is your voice in local state and national government real estate issues offering members the opportunity for direct involvement
RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong Relationships fostered through RPAC help REALTORSreg cut through government red tape to ensure that our members can keep practicing the profession they love
Connect with us
Click on the phone to go to the social media channel
on screen
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
FAAR MEMBER COUNTas of 3312016
3
PresidentChristine Singhass ABRCarolinersquos Realty826-A Caroline StPO Box 125Fredericksburg VA 22404housingoppsgmailcom
President-ElectLinda Fosdick ABR CRS GRIDockside Realty4634 Courthouse RdMineral VA 23117(540) 895-9400Lindadiscoverlakeannacom
Laura FangmanNest Realty510 Princess Anne StFredericksburg VA 22401(540) 316-0611 laurafangmannestrealtycom
Treasurer Arlene MasonColdwell Banker Carriage House Realty Inc520 William St Suite AFredericksburg VA 22401(540) 373-0100arlenecbcarriagehousecom
Erin NewbillVirginia CU Realty1281 Central Park BlvdFredericksburg VA 22407(540) 891-3187erinnewbillvacurealtycom
Brooke D Miller ABR GRI CRSCRBLong amp Foster Inc - Fredericksburg1910 William StFredericksburg VA 22401(540) 371-5220brookemillerlongandfostercom
Immediate Past President
2016 Delegates to the VAR Delegate Body
Drew FristoeColdwell Banker Elite-Massaponax4840 Southpoint DrFredericksburg VA 22407(540) 735-2600dfristoecoldwellbankerelitecom
Kevin McGrathLong and Foster-Fredericksburg1910 William StFredericksburg VA 22401(540) 371-5220fredvalnfcom
Vice President
Mark GeslockCentury 21 Redwood Realty 10601 Courthouse Rd Fredericksburg VA 22407(540) 785-2225MGeslockmyno9to5com
Secretary
Chip Taylor Century 21 Battlefield15521 Real Estate Ave Suite 100 King George VA 22485(540) 663-2000connectwithchipgmailcom
Pam KuperCentury 21 New Millennium1931 Plank Rd Suite 201Fredericksburg VA 22401(540) 373-2000superpamkupergmailcom
Sandra Pearce PMNColdwell Banker Elite990 Bragg RdFredericksburg VA 22407(540) 548-2220spearcecoldwellbankerelitecom
2016LEADERSHIPTEAM
President Christine Singhass President-Elect Linda FosdickAt-large Andrea Maitland
Directors
Welcome to the 2016-2017 FAAR Directory It is all about US
Chris SuttleReceptionistMembership Services
Assistantcsuttlefaarmemberscom
Your FAAR Staff
4
Barbara CastilloEducation Director
bcastillofaarmemberscom
Lori Hillard-WehrMembership Services Director
lhillardwehrfaarmemberscom
Kim McClellanGovernmental Affairs Director
kmcclellanfaarmemberscom
Pat Breme RCE CIPSChief Executive Officer
pbremefaarmemberscom
Lauren ZuzaWebmaster Communications
Managerlzuzafaarmemberscom
Julie CarrigerMarketing Director
jcarrigerfaarmemberscom
Save
the date
Meetup
Sharon ToombsFinancial Director
stoombsfaarmemberscom
FAAR EXPO
September 14 2016
EXPO Floor onlymdash
FREE for Members
55
REAL TALK FAAR
MEETUP
Meetup is for all real estate agents and those in real estate related fields associated with the Fredericksburg Area Association of REALTORSreg who are interested in networking idea sharing engaging discussions increasing business and learning from others The goal of the meetup group is to forge relationships within the real estate community and to learn and grow from each other (All FAAR members- REALTORSreg and Affiliate Members are invited to participate)
GET INVOLVED
Date Event VenueApril 21st Adult Spelling Bee Park Lane Tavern
May 19th Family Feud TBD
June 25th Tubing on the Rappahannockfollowed by cookout sponsored by American Home Shield
TBD
July 21st Lake Anna Beach Bash Tims II
September 15th Jeopardy TBD
October 22nd Scavenger Hunt Hurkamp Park
November 17th Pictionary TBD
December 15th Holiday Spectacular TBD
December 16th Acts of Kindness TBD
2016 Meetups
Chip Taylor connectwithchipgmailcom
FOR MORE INFO CONTACT
Meetup
all dates and locations subject to change
ALCOVA Mortgage is a full
service mortgage banker with
more than 40 branches in
9 states We are this years
FAAR Diamond Sponsor and
selected 2015 Affiliate of the
Year offering
bull 100 Financing
bull USDA FHA VA
bull VHDA
bull Conventional
bull Manufactured Home Loans
TONY BOLDINGLoan Officer Sales ManagerNMLS ID 892203
7036251132 Celltboldingalcovamortgagecom
Two convenient locationsFredericksburg and Locust Grove
ALCOVA Mortgage LLC | Company NMLS ID 40508NMLS Consumer Access (nmlsconsumeraccessorg)
Call TODAY5406562869
FredericksburgwwwALCOVALoanscom
Locust GrovewwwLocustGroveLoanscom
ALCOVA MORTGAGE
BARRY MOOREBranch Manager Loan OfficerNMLS ID 73116
5408460477 Cellbmoorealcovamortgagecom
KIM THAGHOLMLoan OfficerNMLS ID 482595
5402956674 Cellkthagholmalcovamortgagecom
Multilingual Members
6
Multilingual MembersFRENCHLinda Caron Century 21 New Millennium Fredericksburg (540) 373-2000 x124
Mark Forror Exit Real Estate Professionals (540) 371-2002
GERMAN Tanja Allen Keller Williams Superior Realty (540) 785-2225 GREEK Bill Geronymakis Keller Williams Superior Realty (540) 840-2141
ITALIANMelina Ogershok Coldwell Banker Elite Stafford (540) 659-2141
KOREANYoung Cameron 1st Choice Better Homes amp Land (540) 226-1226
Kison Fenwick Weichert Realtors (540) 287-8036
Kim Gunselman Gunselman Realty Property Management LLC (540) 412-2707
Sharon Lee Coldwell Banker ElitendashStafford (540) 659-2141
PORTUGUESECarla Criscuolo Long amp Foster Inc Fredericksburg (540) 371-5220
Sara Figerella Coldwell Banker Elite-Stafford (540) 659-2141
ROMANIANLudita McDonald Arista Real Estate (540) 544-8423
RUSSIAN Vassa Olson REMax Corner Stone (540) 972-1777
Donna M Chandler Century 21 Redwood Realty (540) 898-2900
SHONA Mark Forror Exit Real Estate Professionals (540) 371-2002
SPANISHMaribel Barker MACDOC Realty (540) 479-6409
Marina Caminos Preferred Real Estate (540) 841-4045
Larry Contreras Prime Realty LLC (540) 898-4800
Sara Figarella Coldwell Banker ElitendashStafford (540) 659-2141 Joseacute Flores Coldwell Banker ElitendashStafford (540) 659-2141
Elizabeth Manzano Long amp Foster Inc ndash Fredericksburg (540) 371-5220
Ada Murphy Coldwell Banker Elite- Fredericksburg (540) 735-2600
Jaime Negron Realty Management Group703-709-1011
Kristofer L Nance Nance amp Associates (540) 373-7474
Stephanie S Nance Nance amp Associates (540) 373-7474
Elsa Rake Century 21 Redwood Realty- Stafford (540) 659-2161
Denise Ramos Virginia CU Realty (804) 267-5478
Jorge Robert Coldwell Banker Elite ndash Stafford (540) 659-2141
Jorge Saliceti Berkshire Hathaway Homes Services Select Realty (540) 684-1122
Pia Sanchez Prime Realty LLC (540) 684-1122
Madeline Soto Q Real Estate(540) 785-2225
Kelly Gronau DodsonColdwell Banker Elite (540) 972-9040
VIETNAMESESabrina Campbell Exit Professional Real Estate (540) 785-2002
7
The Foundation raised over $6000 for the Thurman Brisben Center Over the last three years the Foundation has granted out over $32000 to area non-profit housing organizations through the generous contributions of our REALTORreg and affiliate members
Pictured left to right Natalie Holt Donna Chandler Mary Beth Rich Kim Lally amp Roger Trott of Thurman Brisben Center Cindy LeBrun Julie Carriger
8
GENERAL
Metropolitan Regional Information Systems (MRIS)- FAAR is a stockholder member of MRIS which provides agents with member pricing
Leadership- FAAR is recognized as a progressive association with capable leaders focused on providing relevant services and benefits to the membership
Strategic Plan- The Board of Directors reviews the Plan quarterly to track the implementation of its objectives A facilitated planning session occurs every three years
Professional Staff- The staff of eight carry out the policies set by the Board of Directors They are knowledgeable in their respective fields and dedicated to delivering stellar service
CommitteesGovernance- The various groups of volunteers plan and execute an array of networking opportunities and ensure that the association operates according to NAR policies
Financial Stability- FAAR is financially solvent guided by sound policies and investment planning
Office Visits- The staff and leadership visit real estate offices to bring information about the association and to address your concerns
Affiliate Marketing Program (AMP)- Affiliates are given the opportunity to network more closely with members by sponsoring association events and programs Activities are often free to the members because of the sponsorships of the AMPs
ITrsquoS ABOUT US
The mission of the Fredericksburg Area Association of REALTORSreg is to provide its members with the resources to deliver professional and ethical service and to advocate for issues impacting real estate FAAR strives to accomplish this mission through a variety of services offered to members Take advantage of these products and services today
Benefits of Membership
Office visits by FAAR staff ramp up enthusiasm for March is for Members
Pictured Exit Realty in King George Richard Snow with agents and staff
9
PROFESSIONAL DEVELOPMENT
New Member Orientation- Orientation gives members the chance to learn about what services the Association provides and also tools to make your business successful
Continuing Education- Earn continuing or post license education credits or enhance your knowledge through a broad selection of classes taught by top-notch instructors
Designations- Obtain special designations to advance your education and your career through various designation courses throughout the year
Non-Credit Educational Opportunities- FAAR offers many opportunities for education that are outside of license renewal The 6-week Success Series provides new agents with hands-on tools and real life experiences
to help establish their business For veteran agents FAAR offers many classes aimed at building your business to increase both productivity and profitability
Outreach Events- FAAR hosts a variety of outreach events in areas like North Stafford Lake Anna Caroline and King George to bring both education and business building opportunities to all of our agents
NetworkingCommittee Involvement- FAAR committees help you develop leadership skills and make valuable contacts Members can help shape the Associationrsquos future
Awards and Recognition- Recognition is awarded for outstanding achievements in your profession at the annual FAAR Awards Event and Installation Dinner
FAAR Expo- FAARs premier education and networking event held every September Get access to multiple hours of CE credit and visit with 90+ vendors
Additional Events- Special events for members may include economic summits transportation meetings family fun days bowling and a variety of other opportunities to network
Each February REALTORSreg and affiliate members descend on Capitol Square in Richmond to lobby their members of the General Assembly on issues of importance to real estate
10
Benefits of MembershipCOMMUNICATIONS
Website and Facebook Page- FAARs website and Facebook pages are your online information resource available 247 for the latest news events MLS statistics industry trends and feature articles
E-Newsletters- FAAR provides an update each week focused on general association events education advocacy and brokers Open the emails to find out whats going on with the Association and industry trends
PRODUCTS AND SERVICES
Professional Discounts- With your membership receive discounts for a variety of services and products through FAAR VAR and NAR vendors
REALTORreg Store and Member Lounge- The REALTORreg Store offers popular business items from sign riders to St Joseph statues The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news Need to access a computer There is one available in the Member Lounge
Lockbox and Key Services- Purchase lockboxes and keys at the FAAR office
Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening FAAR provides a short press release version and also provides a longer agent-focused version packed with charts and graphs
Notary Service- FAAR staff member Lori Hillard-Wehr is a notary public Contact Lori at the office to schedule an appointment for free notary services
PROFESSIONALSTANDARDS
Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve FAAR provides risk management courses in-house arbitration and conducts ethics hearings
Mediation Services- FAAR works to resolve disputes between members
Ombudsman Program- Added to resolve issues before they become a complaint
GOVERNMENT AFFAIRS
Legislative Advocacy- FAAR is your voice in local state and national government real estate issues offering members the opportunity for direct involvement
RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong Relationships fostered through RPAC help REALTORSreg cut through government red tape to ensure that our members can keep practicing the profession they love
Connect with us
Click on the phone to go to the social media channel
on screen
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
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With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Chris SuttleReceptionistMembership Services
Assistantcsuttlefaarmemberscom
Your FAAR Staff
4
Barbara CastilloEducation Director
bcastillofaarmemberscom
Lori Hillard-WehrMembership Services Director
lhillardwehrfaarmemberscom
Kim McClellanGovernmental Affairs Director
kmcclellanfaarmemberscom
Pat Breme RCE CIPSChief Executive Officer
pbremefaarmemberscom
Lauren ZuzaWebmaster Communications
Managerlzuzafaarmemberscom
Julie CarrigerMarketing Director
jcarrigerfaarmemberscom
Save
the date
Meetup
Sharon ToombsFinancial Director
stoombsfaarmemberscom
FAAR EXPO
September 14 2016
EXPO Floor onlymdash
FREE for Members
55
REAL TALK FAAR
MEETUP
Meetup is for all real estate agents and those in real estate related fields associated with the Fredericksburg Area Association of REALTORSreg who are interested in networking idea sharing engaging discussions increasing business and learning from others The goal of the meetup group is to forge relationships within the real estate community and to learn and grow from each other (All FAAR members- REALTORSreg and Affiliate Members are invited to participate)
GET INVOLVED
Date Event VenueApril 21st Adult Spelling Bee Park Lane Tavern
May 19th Family Feud TBD
June 25th Tubing on the Rappahannockfollowed by cookout sponsored by American Home Shield
TBD
July 21st Lake Anna Beach Bash Tims II
September 15th Jeopardy TBD
October 22nd Scavenger Hunt Hurkamp Park
November 17th Pictionary TBD
December 15th Holiday Spectacular TBD
December 16th Acts of Kindness TBD
2016 Meetups
Chip Taylor connectwithchipgmailcom
FOR MORE INFO CONTACT
Meetup
all dates and locations subject to change
ALCOVA Mortgage is a full
service mortgage banker with
more than 40 branches in
9 states We are this years
FAAR Diamond Sponsor and
selected 2015 Affiliate of the
Year offering
bull 100 Financing
bull USDA FHA VA
bull VHDA
bull Conventional
bull Manufactured Home Loans
TONY BOLDINGLoan Officer Sales ManagerNMLS ID 892203
7036251132 Celltboldingalcovamortgagecom
Two convenient locationsFredericksburg and Locust Grove
ALCOVA Mortgage LLC | Company NMLS ID 40508NMLS Consumer Access (nmlsconsumeraccessorg)
Call TODAY5406562869
FredericksburgwwwALCOVALoanscom
Locust GrovewwwLocustGroveLoanscom
ALCOVA MORTGAGE
BARRY MOOREBranch Manager Loan OfficerNMLS ID 73116
5408460477 Cellbmoorealcovamortgagecom
KIM THAGHOLMLoan OfficerNMLS ID 482595
5402956674 Cellkthagholmalcovamortgagecom
Multilingual Members
6
Multilingual MembersFRENCHLinda Caron Century 21 New Millennium Fredericksburg (540) 373-2000 x124
Mark Forror Exit Real Estate Professionals (540) 371-2002
GERMAN Tanja Allen Keller Williams Superior Realty (540) 785-2225 GREEK Bill Geronymakis Keller Williams Superior Realty (540) 840-2141
ITALIANMelina Ogershok Coldwell Banker Elite Stafford (540) 659-2141
KOREANYoung Cameron 1st Choice Better Homes amp Land (540) 226-1226
Kison Fenwick Weichert Realtors (540) 287-8036
Kim Gunselman Gunselman Realty Property Management LLC (540) 412-2707
Sharon Lee Coldwell Banker ElitendashStafford (540) 659-2141
PORTUGUESECarla Criscuolo Long amp Foster Inc Fredericksburg (540) 371-5220
Sara Figerella Coldwell Banker Elite-Stafford (540) 659-2141
ROMANIANLudita McDonald Arista Real Estate (540) 544-8423
RUSSIAN Vassa Olson REMax Corner Stone (540) 972-1777
Donna M Chandler Century 21 Redwood Realty (540) 898-2900
SHONA Mark Forror Exit Real Estate Professionals (540) 371-2002
SPANISHMaribel Barker MACDOC Realty (540) 479-6409
Marina Caminos Preferred Real Estate (540) 841-4045
Larry Contreras Prime Realty LLC (540) 898-4800
Sara Figarella Coldwell Banker ElitendashStafford (540) 659-2141 Joseacute Flores Coldwell Banker ElitendashStafford (540) 659-2141
Elizabeth Manzano Long amp Foster Inc ndash Fredericksburg (540) 371-5220
Ada Murphy Coldwell Banker Elite- Fredericksburg (540) 735-2600
Jaime Negron Realty Management Group703-709-1011
Kristofer L Nance Nance amp Associates (540) 373-7474
Stephanie S Nance Nance amp Associates (540) 373-7474
Elsa Rake Century 21 Redwood Realty- Stafford (540) 659-2161
Denise Ramos Virginia CU Realty (804) 267-5478
Jorge Robert Coldwell Banker Elite ndash Stafford (540) 659-2141
Jorge Saliceti Berkshire Hathaway Homes Services Select Realty (540) 684-1122
Pia Sanchez Prime Realty LLC (540) 684-1122
Madeline Soto Q Real Estate(540) 785-2225
Kelly Gronau DodsonColdwell Banker Elite (540) 972-9040
VIETNAMESESabrina Campbell Exit Professional Real Estate (540) 785-2002
7
The Foundation raised over $6000 for the Thurman Brisben Center Over the last three years the Foundation has granted out over $32000 to area non-profit housing organizations through the generous contributions of our REALTORreg and affiliate members
Pictured left to right Natalie Holt Donna Chandler Mary Beth Rich Kim Lally amp Roger Trott of Thurman Brisben Center Cindy LeBrun Julie Carriger
8
GENERAL
Metropolitan Regional Information Systems (MRIS)- FAAR is a stockholder member of MRIS which provides agents with member pricing
Leadership- FAAR is recognized as a progressive association with capable leaders focused on providing relevant services and benefits to the membership
Strategic Plan- The Board of Directors reviews the Plan quarterly to track the implementation of its objectives A facilitated planning session occurs every three years
Professional Staff- The staff of eight carry out the policies set by the Board of Directors They are knowledgeable in their respective fields and dedicated to delivering stellar service
CommitteesGovernance- The various groups of volunteers plan and execute an array of networking opportunities and ensure that the association operates according to NAR policies
Financial Stability- FAAR is financially solvent guided by sound policies and investment planning
Office Visits- The staff and leadership visit real estate offices to bring information about the association and to address your concerns
Affiliate Marketing Program (AMP)- Affiliates are given the opportunity to network more closely with members by sponsoring association events and programs Activities are often free to the members because of the sponsorships of the AMPs
ITrsquoS ABOUT US
The mission of the Fredericksburg Area Association of REALTORSreg is to provide its members with the resources to deliver professional and ethical service and to advocate for issues impacting real estate FAAR strives to accomplish this mission through a variety of services offered to members Take advantage of these products and services today
Benefits of Membership
Office visits by FAAR staff ramp up enthusiasm for March is for Members
Pictured Exit Realty in King George Richard Snow with agents and staff
9
PROFESSIONAL DEVELOPMENT
New Member Orientation- Orientation gives members the chance to learn about what services the Association provides and also tools to make your business successful
Continuing Education- Earn continuing or post license education credits or enhance your knowledge through a broad selection of classes taught by top-notch instructors
Designations- Obtain special designations to advance your education and your career through various designation courses throughout the year
Non-Credit Educational Opportunities- FAAR offers many opportunities for education that are outside of license renewal The 6-week Success Series provides new agents with hands-on tools and real life experiences
to help establish their business For veteran agents FAAR offers many classes aimed at building your business to increase both productivity and profitability
Outreach Events- FAAR hosts a variety of outreach events in areas like North Stafford Lake Anna Caroline and King George to bring both education and business building opportunities to all of our agents
NetworkingCommittee Involvement- FAAR committees help you develop leadership skills and make valuable contacts Members can help shape the Associationrsquos future
Awards and Recognition- Recognition is awarded for outstanding achievements in your profession at the annual FAAR Awards Event and Installation Dinner
FAAR Expo- FAARs premier education and networking event held every September Get access to multiple hours of CE credit and visit with 90+ vendors
Additional Events- Special events for members may include economic summits transportation meetings family fun days bowling and a variety of other opportunities to network
Each February REALTORSreg and affiliate members descend on Capitol Square in Richmond to lobby their members of the General Assembly on issues of importance to real estate
10
Benefits of MembershipCOMMUNICATIONS
Website and Facebook Page- FAARs website and Facebook pages are your online information resource available 247 for the latest news events MLS statistics industry trends and feature articles
E-Newsletters- FAAR provides an update each week focused on general association events education advocacy and brokers Open the emails to find out whats going on with the Association and industry trends
PRODUCTS AND SERVICES
Professional Discounts- With your membership receive discounts for a variety of services and products through FAAR VAR and NAR vendors
REALTORreg Store and Member Lounge- The REALTORreg Store offers popular business items from sign riders to St Joseph statues The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news Need to access a computer There is one available in the Member Lounge
Lockbox and Key Services- Purchase lockboxes and keys at the FAAR office
Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening FAAR provides a short press release version and also provides a longer agent-focused version packed with charts and graphs
Notary Service- FAAR staff member Lori Hillard-Wehr is a notary public Contact Lori at the office to schedule an appointment for free notary services
PROFESSIONALSTANDARDS
Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve FAAR provides risk management courses in-house arbitration and conducts ethics hearings
Mediation Services- FAAR works to resolve disputes between members
Ombudsman Program- Added to resolve issues before they become a complaint
GOVERNMENT AFFAIRS
Legislative Advocacy- FAAR is your voice in local state and national government real estate issues offering members the opportunity for direct involvement
RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong Relationships fostered through RPAC help REALTORSreg cut through government red tape to ensure that our members can keep practicing the profession they love
Connect with us
Click on the phone to go to the social media channel
on screen
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
55
REAL TALK FAAR
MEETUP
Meetup is for all real estate agents and those in real estate related fields associated with the Fredericksburg Area Association of REALTORSreg who are interested in networking idea sharing engaging discussions increasing business and learning from others The goal of the meetup group is to forge relationships within the real estate community and to learn and grow from each other (All FAAR members- REALTORSreg and Affiliate Members are invited to participate)
GET INVOLVED
Date Event VenueApril 21st Adult Spelling Bee Park Lane Tavern
May 19th Family Feud TBD
June 25th Tubing on the Rappahannockfollowed by cookout sponsored by American Home Shield
TBD
July 21st Lake Anna Beach Bash Tims II
September 15th Jeopardy TBD
October 22nd Scavenger Hunt Hurkamp Park
November 17th Pictionary TBD
December 15th Holiday Spectacular TBD
December 16th Acts of Kindness TBD
2016 Meetups
Chip Taylor connectwithchipgmailcom
FOR MORE INFO CONTACT
Meetup
all dates and locations subject to change
ALCOVA Mortgage is a full
service mortgage banker with
more than 40 branches in
9 states We are this years
FAAR Diamond Sponsor and
selected 2015 Affiliate of the
Year offering
bull 100 Financing
bull USDA FHA VA
bull VHDA
bull Conventional
bull Manufactured Home Loans
TONY BOLDINGLoan Officer Sales ManagerNMLS ID 892203
7036251132 Celltboldingalcovamortgagecom
Two convenient locationsFredericksburg and Locust Grove
ALCOVA Mortgage LLC | Company NMLS ID 40508NMLS Consumer Access (nmlsconsumeraccessorg)
Call TODAY5406562869
FredericksburgwwwALCOVALoanscom
Locust GrovewwwLocustGroveLoanscom
ALCOVA MORTGAGE
BARRY MOOREBranch Manager Loan OfficerNMLS ID 73116
5408460477 Cellbmoorealcovamortgagecom
KIM THAGHOLMLoan OfficerNMLS ID 482595
5402956674 Cellkthagholmalcovamortgagecom
Multilingual Members
6
Multilingual MembersFRENCHLinda Caron Century 21 New Millennium Fredericksburg (540) 373-2000 x124
Mark Forror Exit Real Estate Professionals (540) 371-2002
GERMAN Tanja Allen Keller Williams Superior Realty (540) 785-2225 GREEK Bill Geronymakis Keller Williams Superior Realty (540) 840-2141
ITALIANMelina Ogershok Coldwell Banker Elite Stafford (540) 659-2141
KOREANYoung Cameron 1st Choice Better Homes amp Land (540) 226-1226
Kison Fenwick Weichert Realtors (540) 287-8036
Kim Gunselman Gunselman Realty Property Management LLC (540) 412-2707
Sharon Lee Coldwell Banker ElitendashStafford (540) 659-2141
PORTUGUESECarla Criscuolo Long amp Foster Inc Fredericksburg (540) 371-5220
Sara Figerella Coldwell Banker Elite-Stafford (540) 659-2141
ROMANIANLudita McDonald Arista Real Estate (540) 544-8423
RUSSIAN Vassa Olson REMax Corner Stone (540) 972-1777
Donna M Chandler Century 21 Redwood Realty (540) 898-2900
SHONA Mark Forror Exit Real Estate Professionals (540) 371-2002
SPANISHMaribel Barker MACDOC Realty (540) 479-6409
Marina Caminos Preferred Real Estate (540) 841-4045
Larry Contreras Prime Realty LLC (540) 898-4800
Sara Figarella Coldwell Banker ElitendashStafford (540) 659-2141 Joseacute Flores Coldwell Banker ElitendashStafford (540) 659-2141
Elizabeth Manzano Long amp Foster Inc ndash Fredericksburg (540) 371-5220
Ada Murphy Coldwell Banker Elite- Fredericksburg (540) 735-2600
Jaime Negron Realty Management Group703-709-1011
Kristofer L Nance Nance amp Associates (540) 373-7474
Stephanie S Nance Nance amp Associates (540) 373-7474
Elsa Rake Century 21 Redwood Realty- Stafford (540) 659-2161
Denise Ramos Virginia CU Realty (804) 267-5478
Jorge Robert Coldwell Banker Elite ndash Stafford (540) 659-2141
Jorge Saliceti Berkshire Hathaway Homes Services Select Realty (540) 684-1122
Pia Sanchez Prime Realty LLC (540) 684-1122
Madeline Soto Q Real Estate(540) 785-2225
Kelly Gronau DodsonColdwell Banker Elite (540) 972-9040
VIETNAMESESabrina Campbell Exit Professional Real Estate (540) 785-2002
7
The Foundation raised over $6000 for the Thurman Brisben Center Over the last three years the Foundation has granted out over $32000 to area non-profit housing organizations through the generous contributions of our REALTORreg and affiliate members
Pictured left to right Natalie Holt Donna Chandler Mary Beth Rich Kim Lally amp Roger Trott of Thurman Brisben Center Cindy LeBrun Julie Carriger
8
GENERAL
Metropolitan Regional Information Systems (MRIS)- FAAR is a stockholder member of MRIS which provides agents with member pricing
Leadership- FAAR is recognized as a progressive association with capable leaders focused on providing relevant services and benefits to the membership
Strategic Plan- The Board of Directors reviews the Plan quarterly to track the implementation of its objectives A facilitated planning session occurs every three years
Professional Staff- The staff of eight carry out the policies set by the Board of Directors They are knowledgeable in their respective fields and dedicated to delivering stellar service
CommitteesGovernance- The various groups of volunteers plan and execute an array of networking opportunities and ensure that the association operates according to NAR policies
Financial Stability- FAAR is financially solvent guided by sound policies and investment planning
Office Visits- The staff and leadership visit real estate offices to bring information about the association and to address your concerns
Affiliate Marketing Program (AMP)- Affiliates are given the opportunity to network more closely with members by sponsoring association events and programs Activities are often free to the members because of the sponsorships of the AMPs
ITrsquoS ABOUT US
The mission of the Fredericksburg Area Association of REALTORSreg is to provide its members with the resources to deliver professional and ethical service and to advocate for issues impacting real estate FAAR strives to accomplish this mission through a variety of services offered to members Take advantage of these products and services today
Benefits of Membership
Office visits by FAAR staff ramp up enthusiasm for March is for Members
Pictured Exit Realty in King George Richard Snow with agents and staff
9
PROFESSIONAL DEVELOPMENT
New Member Orientation- Orientation gives members the chance to learn about what services the Association provides and also tools to make your business successful
Continuing Education- Earn continuing or post license education credits or enhance your knowledge through a broad selection of classes taught by top-notch instructors
Designations- Obtain special designations to advance your education and your career through various designation courses throughout the year
Non-Credit Educational Opportunities- FAAR offers many opportunities for education that are outside of license renewal The 6-week Success Series provides new agents with hands-on tools and real life experiences
to help establish their business For veteran agents FAAR offers many classes aimed at building your business to increase both productivity and profitability
Outreach Events- FAAR hosts a variety of outreach events in areas like North Stafford Lake Anna Caroline and King George to bring both education and business building opportunities to all of our agents
NetworkingCommittee Involvement- FAAR committees help you develop leadership skills and make valuable contacts Members can help shape the Associationrsquos future
Awards and Recognition- Recognition is awarded for outstanding achievements in your profession at the annual FAAR Awards Event and Installation Dinner
FAAR Expo- FAARs premier education and networking event held every September Get access to multiple hours of CE credit and visit with 90+ vendors
Additional Events- Special events for members may include economic summits transportation meetings family fun days bowling and a variety of other opportunities to network
Each February REALTORSreg and affiliate members descend on Capitol Square in Richmond to lobby their members of the General Assembly on issues of importance to real estate
10
Benefits of MembershipCOMMUNICATIONS
Website and Facebook Page- FAARs website and Facebook pages are your online information resource available 247 for the latest news events MLS statistics industry trends and feature articles
E-Newsletters- FAAR provides an update each week focused on general association events education advocacy and brokers Open the emails to find out whats going on with the Association and industry trends
PRODUCTS AND SERVICES
Professional Discounts- With your membership receive discounts for a variety of services and products through FAAR VAR and NAR vendors
REALTORreg Store and Member Lounge- The REALTORreg Store offers popular business items from sign riders to St Joseph statues The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news Need to access a computer There is one available in the Member Lounge
Lockbox and Key Services- Purchase lockboxes and keys at the FAAR office
Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening FAAR provides a short press release version and also provides a longer agent-focused version packed with charts and graphs
Notary Service- FAAR staff member Lori Hillard-Wehr is a notary public Contact Lori at the office to schedule an appointment for free notary services
PROFESSIONALSTANDARDS
Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve FAAR provides risk management courses in-house arbitration and conducts ethics hearings
Mediation Services- FAAR works to resolve disputes between members
Ombudsman Program- Added to resolve issues before they become a complaint
GOVERNMENT AFFAIRS
Legislative Advocacy- FAAR is your voice in local state and national government real estate issues offering members the opportunity for direct involvement
RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong Relationships fostered through RPAC help REALTORSreg cut through government red tape to ensure that our members can keep practicing the profession they love
Connect with us
Click on the phone to go to the social media channel
on screen
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
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Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
ALCOVA Mortgage is a full
service mortgage banker with
more than 40 branches in
9 states We are this years
FAAR Diamond Sponsor and
selected 2015 Affiliate of the
Year offering
bull 100 Financing
bull USDA FHA VA
bull VHDA
bull Conventional
bull Manufactured Home Loans
TONY BOLDINGLoan Officer Sales ManagerNMLS ID 892203
7036251132 Celltboldingalcovamortgagecom
Two convenient locationsFredericksburg and Locust Grove
ALCOVA Mortgage LLC | Company NMLS ID 40508NMLS Consumer Access (nmlsconsumeraccessorg)
Call TODAY5406562869
FredericksburgwwwALCOVALoanscom
Locust GrovewwwLocustGroveLoanscom
ALCOVA MORTGAGE
BARRY MOOREBranch Manager Loan OfficerNMLS ID 73116
5408460477 Cellbmoorealcovamortgagecom
KIM THAGHOLMLoan OfficerNMLS ID 482595
5402956674 Cellkthagholmalcovamortgagecom
Multilingual Members
6
Multilingual MembersFRENCHLinda Caron Century 21 New Millennium Fredericksburg (540) 373-2000 x124
Mark Forror Exit Real Estate Professionals (540) 371-2002
GERMAN Tanja Allen Keller Williams Superior Realty (540) 785-2225 GREEK Bill Geronymakis Keller Williams Superior Realty (540) 840-2141
ITALIANMelina Ogershok Coldwell Banker Elite Stafford (540) 659-2141
KOREANYoung Cameron 1st Choice Better Homes amp Land (540) 226-1226
Kison Fenwick Weichert Realtors (540) 287-8036
Kim Gunselman Gunselman Realty Property Management LLC (540) 412-2707
Sharon Lee Coldwell Banker ElitendashStafford (540) 659-2141
PORTUGUESECarla Criscuolo Long amp Foster Inc Fredericksburg (540) 371-5220
Sara Figerella Coldwell Banker Elite-Stafford (540) 659-2141
ROMANIANLudita McDonald Arista Real Estate (540) 544-8423
RUSSIAN Vassa Olson REMax Corner Stone (540) 972-1777
Donna M Chandler Century 21 Redwood Realty (540) 898-2900
SHONA Mark Forror Exit Real Estate Professionals (540) 371-2002
SPANISHMaribel Barker MACDOC Realty (540) 479-6409
Marina Caminos Preferred Real Estate (540) 841-4045
Larry Contreras Prime Realty LLC (540) 898-4800
Sara Figarella Coldwell Banker ElitendashStafford (540) 659-2141 Joseacute Flores Coldwell Banker ElitendashStafford (540) 659-2141
Elizabeth Manzano Long amp Foster Inc ndash Fredericksburg (540) 371-5220
Ada Murphy Coldwell Banker Elite- Fredericksburg (540) 735-2600
Jaime Negron Realty Management Group703-709-1011
Kristofer L Nance Nance amp Associates (540) 373-7474
Stephanie S Nance Nance amp Associates (540) 373-7474
Elsa Rake Century 21 Redwood Realty- Stafford (540) 659-2161
Denise Ramos Virginia CU Realty (804) 267-5478
Jorge Robert Coldwell Banker Elite ndash Stafford (540) 659-2141
Jorge Saliceti Berkshire Hathaway Homes Services Select Realty (540) 684-1122
Pia Sanchez Prime Realty LLC (540) 684-1122
Madeline Soto Q Real Estate(540) 785-2225
Kelly Gronau DodsonColdwell Banker Elite (540) 972-9040
VIETNAMESESabrina Campbell Exit Professional Real Estate (540) 785-2002
7
The Foundation raised over $6000 for the Thurman Brisben Center Over the last three years the Foundation has granted out over $32000 to area non-profit housing organizations through the generous contributions of our REALTORreg and affiliate members
Pictured left to right Natalie Holt Donna Chandler Mary Beth Rich Kim Lally amp Roger Trott of Thurman Brisben Center Cindy LeBrun Julie Carriger
8
GENERAL
Metropolitan Regional Information Systems (MRIS)- FAAR is a stockholder member of MRIS which provides agents with member pricing
Leadership- FAAR is recognized as a progressive association with capable leaders focused on providing relevant services and benefits to the membership
Strategic Plan- The Board of Directors reviews the Plan quarterly to track the implementation of its objectives A facilitated planning session occurs every three years
Professional Staff- The staff of eight carry out the policies set by the Board of Directors They are knowledgeable in their respective fields and dedicated to delivering stellar service
CommitteesGovernance- The various groups of volunteers plan and execute an array of networking opportunities and ensure that the association operates according to NAR policies
Financial Stability- FAAR is financially solvent guided by sound policies and investment planning
Office Visits- The staff and leadership visit real estate offices to bring information about the association and to address your concerns
Affiliate Marketing Program (AMP)- Affiliates are given the opportunity to network more closely with members by sponsoring association events and programs Activities are often free to the members because of the sponsorships of the AMPs
ITrsquoS ABOUT US
The mission of the Fredericksburg Area Association of REALTORSreg is to provide its members with the resources to deliver professional and ethical service and to advocate for issues impacting real estate FAAR strives to accomplish this mission through a variety of services offered to members Take advantage of these products and services today
Benefits of Membership
Office visits by FAAR staff ramp up enthusiasm for March is for Members
Pictured Exit Realty in King George Richard Snow with agents and staff
9
PROFESSIONAL DEVELOPMENT
New Member Orientation- Orientation gives members the chance to learn about what services the Association provides and also tools to make your business successful
Continuing Education- Earn continuing or post license education credits or enhance your knowledge through a broad selection of classes taught by top-notch instructors
Designations- Obtain special designations to advance your education and your career through various designation courses throughout the year
Non-Credit Educational Opportunities- FAAR offers many opportunities for education that are outside of license renewal The 6-week Success Series provides new agents with hands-on tools and real life experiences
to help establish their business For veteran agents FAAR offers many classes aimed at building your business to increase both productivity and profitability
Outreach Events- FAAR hosts a variety of outreach events in areas like North Stafford Lake Anna Caroline and King George to bring both education and business building opportunities to all of our agents
NetworkingCommittee Involvement- FAAR committees help you develop leadership skills and make valuable contacts Members can help shape the Associationrsquos future
Awards and Recognition- Recognition is awarded for outstanding achievements in your profession at the annual FAAR Awards Event and Installation Dinner
FAAR Expo- FAARs premier education and networking event held every September Get access to multiple hours of CE credit and visit with 90+ vendors
Additional Events- Special events for members may include economic summits transportation meetings family fun days bowling and a variety of other opportunities to network
Each February REALTORSreg and affiliate members descend on Capitol Square in Richmond to lobby their members of the General Assembly on issues of importance to real estate
10
Benefits of MembershipCOMMUNICATIONS
Website and Facebook Page- FAARs website and Facebook pages are your online information resource available 247 for the latest news events MLS statistics industry trends and feature articles
E-Newsletters- FAAR provides an update each week focused on general association events education advocacy and brokers Open the emails to find out whats going on with the Association and industry trends
PRODUCTS AND SERVICES
Professional Discounts- With your membership receive discounts for a variety of services and products through FAAR VAR and NAR vendors
REALTORreg Store and Member Lounge- The REALTORreg Store offers popular business items from sign riders to St Joseph statues The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news Need to access a computer There is one available in the Member Lounge
Lockbox and Key Services- Purchase lockboxes and keys at the FAAR office
Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening FAAR provides a short press release version and also provides a longer agent-focused version packed with charts and graphs
Notary Service- FAAR staff member Lori Hillard-Wehr is a notary public Contact Lori at the office to schedule an appointment for free notary services
PROFESSIONALSTANDARDS
Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve FAAR provides risk management courses in-house arbitration and conducts ethics hearings
Mediation Services- FAAR works to resolve disputes between members
Ombudsman Program- Added to resolve issues before they become a complaint
GOVERNMENT AFFAIRS
Legislative Advocacy- FAAR is your voice in local state and national government real estate issues offering members the opportunity for direct involvement
RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong Relationships fostered through RPAC help REALTORSreg cut through government red tape to ensure that our members can keep practicing the profession they love
Connect with us
Click on the phone to go to the social media channel
on screen
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Multilingual MembersFRENCHLinda Caron Century 21 New Millennium Fredericksburg (540) 373-2000 x124
Mark Forror Exit Real Estate Professionals (540) 371-2002
GERMAN Tanja Allen Keller Williams Superior Realty (540) 785-2225 GREEK Bill Geronymakis Keller Williams Superior Realty (540) 840-2141
ITALIANMelina Ogershok Coldwell Banker Elite Stafford (540) 659-2141
KOREANYoung Cameron 1st Choice Better Homes amp Land (540) 226-1226
Kison Fenwick Weichert Realtors (540) 287-8036
Kim Gunselman Gunselman Realty Property Management LLC (540) 412-2707
Sharon Lee Coldwell Banker ElitendashStafford (540) 659-2141
PORTUGUESECarla Criscuolo Long amp Foster Inc Fredericksburg (540) 371-5220
Sara Figerella Coldwell Banker Elite-Stafford (540) 659-2141
ROMANIANLudita McDonald Arista Real Estate (540) 544-8423
RUSSIAN Vassa Olson REMax Corner Stone (540) 972-1777
Donna M Chandler Century 21 Redwood Realty (540) 898-2900
SHONA Mark Forror Exit Real Estate Professionals (540) 371-2002
SPANISHMaribel Barker MACDOC Realty (540) 479-6409
Marina Caminos Preferred Real Estate (540) 841-4045
Larry Contreras Prime Realty LLC (540) 898-4800
Sara Figarella Coldwell Banker ElitendashStafford (540) 659-2141 Joseacute Flores Coldwell Banker ElitendashStafford (540) 659-2141
Elizabeth Manzano Long amp Foster Inc ndash Fredericksburg (540) 371-5220
Ada Murphy Coldwell Banker Elite- Fredericksburg (540) 735-2600
Jaime Negron Realty Management Group703-709-1011
Kristofer L Nance Nance amp Associates (540) 373-7474
Stephanie S Nance Nance amp Associates (540) 373-7474
Elsa Rake Century 21 Redwood Realty- Stafford (540) 659-2161
Denise Ramos Virginia CU Realty (804) 267-5478
Jorge Robert Coldwell Banker Elite ndash Stafford (540) 659-2141
Jorge Saliceti Berkshire Hathaway Homes Services Select Realty (540) 684-1122
Pia Sanchez Prime Realty LLC (540) 684-1122
Madeline Soto Q Real Estate(540) 785-2225
Kelly Gronau DodsonColdwell Banker Elite (540) 972-9040
VIETNAMESESabrina Campbell Exit Professional Real Estate (540) 785-2002
7
The Foundation raised over $6000 for the Thurman Brisben Center Over the last three years the Foundation has granted out over $32000 to area non-profit housing organizations through the generous contributions of our REALTORreg and affiliate members
Pictured left to right Natalie Holt Donna Chandler Mary Beth Rich Kim Lally amp Roger Trott of Thurman Brisben Center Cindy LeBrun Julie Carriger
8
GENERAL
Metropolitan Regional Information Systems (MRIS)- FAAR is a stockholder member of MRIS which provides agents with member pricing
Leadership- FAAR is recognized as a progressive association with capable leaders focused on providing relevant services and benefits to the membership
Strategic Plan- The Board of Directors reviews the Plan quarterly to track the implementation of its objectives A facilitated planning session occurs every three years
Professional Staff- The staff of eight carry out the policies set by the Board of Directors They are knowledgeable in their respective fields and dedicated to delivering stellar service
CommitteesGovernance- The various groups of volunteers plan and execute an array of networking opportunities and ensure that the association operates according to NAR policies
Financial Stability- FAAR is financially solvent guided by sound policies and investment planning
Office Visits- The staff and leadership visit real estate offices to bring information about the association and to address your concerns
Affiliate Marketing Program (AMP)- Affiliates are given the opportunity to network more closely with members by sponsoring association events and programs Activities are often free to the members because of the sponsorships of the AMPs
ITrsquoS ABOUT US
The mission of the Fredericksburg Area Association of REALTORSreg is to provide its members with the resources to deliver professional and ethical service and to advocate for issues impacting real estate FAAR strives to accomplish this mission through a variety of services offered to members Take advantage of these products and services today
Benefits of Membership
Office visits by FAAR staff ramp up enthusiasm for March is for Members
Pictured Exit Realty in King George Richard Snow with agents and staff
9
PROFESSIONAL DEVELOPMENT
New Member Orientation- Orientation gives members the chance to learn about what services the Association provides and also tools to make your business successful
Continuing Education- Earn continuing or post license education credits or enhance your knowledge through a broad selection of classes taught by top-notch instructors
Designations- Obtain special designations to advance your education and your career through various designation courses throughout the year
Non-Credit Educational Opportunities- FAAR offers many opportunities for education that are outside of license renewal The 6-week Success Series provides new agents with hands-on tools and real life experiences
to help establish their business For veteran agents FAAR offers many classes aimed at building your business to increase both productivity and profitability
Outreach Events- FAAR hosts a variety of outreach events in areas like North Stafford Lake Anna Caroline and King George to bring both education and business building opportunities to all of our agents
NetworkingCommittee Involvement- FAAR committees help you develop leadership skills and make valuable contacts Members can help shape the Associationrsquos future
Awards and Recognition- Recognition is awarded for outstanding achievements in your profession at the annual FAAR Awards Event and Installation Dinner
FAAR Expo- FAARs premier education and networking event held every September Get access to multiple hours of CE credit and visit with 90+ vendors
Additional Events- Special events for members may include economic summits transportation meetings family fun days bowling and a variety of other opportunities to network
Each February REALTORSreg and affiliate members descend on Capitol Square in Richmond to lobby their members of the General Assembly on issues of importance to real estate
10
Benefits of MembershipCOMMUNICATIONS
Website and Facebook Page- FAARs website and Facebook pages are your online information resource available 247 for the latest news events MLS statistics industry trends and feature articles
E-Newsletters- FAAR provides an update each week focused on general association events education advocacy and brokers Open the emails to find out whats going on with the Association and industry trends
PRODUCTS AND SERVICES
Professional Discounts- With your membership receive discounts for a variety of services and products through FAAR VAR and NAR vendors
REALTORreg Store and Member Lounge- The REALTORreg Store offers popular business items from sign riders to St Joseph statues The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news Need to access a computer There is one available in the Member Lounge
Lockbox and Key Services- Purchase lockboxes and keys at the FAAR office
Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening FAAR provides a short press release version and also provides a longer agent-focused version packed with charts and graphs
Notary Service- FAAR staff member Lori Hillard-Wehr is a notary public Contact Lori at the office to schedule an appointment for free notary services
PROFESSIONALSTANDARDS
Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve FAAR provides risk management courses in-house arbitration and conducts ethics hearings
Mediation Services- FAAR works to resolve disputes between members
Ombudsman Program- Added to resolve issues before they become a complaint
GOVERNMENT AFFAIRS
Legislative Advocacy- FAAR is your voice in local state and national government real estate issues offering members the opportunity for direct involvement
RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong Relationships fostered through RPAC help REALTORSreg cut through government red tape to ensure that our members can keep practicing the profession they love
Connect with us
Click on the phone to go to the social media channel
on screen
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
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With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
8
GENERAL
Metropolitan Regional Information Systems (MRIS)- FAAR is a stockholder member of MRIS which provides agents with member pricing
Leadership- FAAR is recognized as a progressive association with capable leaders focused on providing relevant services and benefits to the membership
Strategic Plan- The Board of Directors reviews the Plan quarterly to track the implementation of its objectives A facilitated planning session occurs every three years
Professional Staff- The staff of eight carry out the policies set by the Board of Directors They are knowledgeable in their respective fields and dedicated to delivering stellar service
CommitteesGovernance- The various groups of volunteers plan and execute an array of networking opportunities and ensure that the association operates according to NAR policies
Financial Stability- FAAR is financially solvent guided by sound policies and investment planning
Office Visits- The staff and leadership visit real estate offices to bring information about the association and to address your concerns
Affiliate Marketing Program (AMP)- Affiliates are given the opportunity to network more closely with members by sponsoring association events and programs Activities are often free to the members because of the sponsorships of the AMPs
ITrsquoS ABOUT US
The mission of the Fredericksburg Area Association of REALTORSreg is to provide its members with the resources to deliver professional and ethical service and to advocate for issues impacting real estate FAAR strives to accomplish this mission through a variety of services offered to members Take advantage of these products and services today
Benefits of Membership
Office visits by FAAR staff ramp up enthusiasm for March is for Members
Pictured Exit Realty in King George Richard Snow with agents and staff
9
PROFESSIONAL DEVELOPMENT
New Member Orientation- Orientation gives members the chance to learn about what services the Association provides and also tools to make your business successful
Continuing Education- Earn continuing or post license education credits or enhance your knowledge through a broad selection of classes taught by top-notch instructors
Designations- Obtain special designations to advance your education and your career through various designation courses throughout the year
Non-Credit Educational Opportunities- FAAR offers many opportunities for education that are outside of license renewal The 6-week Success Series provides new agents with hands-on tools and real life experiences
to help establish their business For veteran agents FAAR offers many classes aimed at building your business to increase both productivity and profitability
Outreach Events- FAAR hosts a variety of outreach events in areas like North Stafford Lake Anna Caroline and King George to bring both education and business building opportunities to all of our agents
NetworkingCommittee Involvement- FAAR committees help you develop leadership skills and make valuable contacts Members can help shape the Associationrsquos future
Awards and Recognition- Recognition is awarded for outstanding achievements in your profession at the annual FAAR Awards Event and Installation Dinner
FAAR Expo- FAARs premier education and networking event held every September Get access to multiple hours of CE credit and visit with 90+ vendors
Additional Events- Special events for members may include economic summits transportation meetings family fun days bowling and a variety of other opportunities to network
Each February REALTORSreg and affiliate members descend on Capitol Square in Richmond to lobby their members of the General Assembly on issues of importance to real estate
10
Benefits of MembershipCOMMUNICATIONS
Website and Facebook Page- FAARs website and Facebook pages are your online information resource available 247 for the latest news events MLS statistics industry trends and feature articles
E-Newsletters- FAAR provides an update each week focused on general association events education advocacy and brokers Open the emails to find out whats going on with the Association and industry trends
PRODUCTS AND SERVICES
Professional Discounts- With your membership receive discounts for a variety of services and products through FAAR VAR and NAR vendors
REALTORreg Store and Member Lounge- The REALTORreg Store offers popular business items from sign riders to St Joseph statues The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news Need to access a computer There is one available in the Member Lounge
Lockbox and Key Services- Purchase lockboxes and keys at the FAAR office
Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening FAAR provides a short press release version and also provides a longer agent-focused version packed with charts and graphs
Notary Service- FAAR staff member Lori Hillard-Wehr is a notary public Contact Lori at the office to schedule an appointment for free notary services
PROFESSIONALSTANDARDS
Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve FAAR provides risk management courses in-house arbitration and conducts ethics hearings
Mediation Services- FAAR works to resolve disputes between members
Ombudsman Program- Added to resolve issues before they become a complaint
GOVERNMENT AFFAIRS
Legislative Advocacy- FAAR is your voice in local state and national government real estate issues offering members the opportunity for direct involvement
RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong Relationships fostered through RPAC help REALTORSreg cut through government red tape to ensure that our members can keep practicing the profession they love
Connect with us
Click on the phone to go to the social media channel
on screen
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
9
PROFESSIONAL DEVELOPMENT
New Member Orientation- Orientation gives members the chance to learn about what services the Association provides and also tools to make your business successful
Continuing Education- Earn continuing or post license education credits or enhance your knowledge through a broad selection of classes taught by top-notch instructors
Designations- Obtain special designations to advance your education and your career through various designation courses throughout the year
Non-Credit Educational Opportunities- FAAR offers many opportunities for education that are outside of license renewal The 6-week Success Series provides new agents with hands-on tools and real life experiences
to help establish their business For veteran agents FAAR offers many classes aimed at building your business to increase both productivity and profitability
Outreach Events- FAAR hosts a variety of outreach events in areas like North Stafford Lake Anna Caroline and King George to bring both education and business building opportunities to all of our agents
NetworkingCommittee Involvement- FAAR committees help you develop leadership skills and make valuable contacts Members can help shape the Associationrsquos future
Awards and Recognition- Recognition is awarded for outstanding achievements in your profession at the annual FAAR Awards Event and Installation Dinner
FAAR Expo- FAARs premier education and networking event held every September Get access to multiple hours of CE credit and visit with 90+ vendors
Additional Events- Special events for members may include economic summits transportation meetings family fun days bowling and a variety of other opportunities to network
Each February REALTORSreg and affiliate members descend on Capitol Square in Richmond to lobby their members of the General Assembly on issues of importance to real estate
10
Benefits of MembershipCOMMUNICATIONS
Website and Facebook Page- FAARs website and Facebook pages are your online information resource available 247 for the latest news events MLS statistics industry trends and feature articles
E-Newsletters- FAAR provides an update each week focused on general association events education advocacy and brokers Open the emails to find out whats going on with the Association and industry trends
PRODUCTS AND SERVICES
Professional Discounts- With your membership receive discounts for a variety of services and products through FAAR VAR and NAR vendors
REALTORreg Store and Member Lounge- The REALTORreg Store offers popular business items from sign riders to St Joseph statues The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news Need to access a computer There is one available in the Member Lounge
Lockbox and Key Services- Purchase lockboxes and keys at the FAAR office
Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening FAAR provides a short press release version and also provides a longer agent-focused version packed with charts and graphs
Notary Service- FAAR staff member Lori Hillard-Wehr is a notary public Contact Lori at the office to schedule an appointment for free notary services
PROFESSIONALSTANDARDS
Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve FAAR provides risk management courses in-house arbitration and conducts ethics hearings
Mediation Services- FAAR works to resolve disputes between members
Ombudsman Program- Added to resolve issues before they become a complaint
GOVERNMENT AFFAIRS
Legislative Advocacy- FAAR is your voice in local state and national government real estate issues offering members the opportunity for direct involvement
RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong Relationships fostered through RPAC help REALTORSreg cut through government red tape to ensure that our members can keep practicing the profession they love
Connect with us
Click on the phone to go to the social media channel
on screen
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
10
Benefits of MembershipCOMMUNICATIONS
Website and Facebook Page- FAARs website and Facebook pages are your online information resource available 247 for the latest news events MLS statistics industry trends and feature articles
E-Newsletters- FAAR provides an update each week focused on general association events education advocacy and brokers Open the emails to find out whats going on with the Association and industry trends
PRODUCTS AND SERVICES
Professional Discounts- With your membership receive discounts for a variety of services and products through FAAR VAR and NAR vendors
REALTORreg Store and Member Lounge- The REALTORreg Store offers popular business items from sign riders to St Joseph statues The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news Need to access a computer There is one available in the Member Lounge
Lockbox and Key Services- Purchase lockboxes and keys at the FAAR office
Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening FAAR provides a short press release version and also provides a longer agent-focused version packed with charts and graphs
Notary Service- FAAR staff member Lori Hillard-Wehr is a notary public Contact Lori at the office to schedule an appointment for free notary services
PROFESSIONALSTANDARDS
Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve FAAR provides risk management courses in-house arbitration and conducts ethics hearings
Mediation Services- FAAR works to resolve disputes between members
Ombudsman Program- Added to resolve issues before they become a complaint
GOVERNMENT AFFAIRS
Legislative Advocacy- FAAR is your voice in local state and national government real estate issues offering members the opportunity for direct involvement
RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong Relationships fostered through RPAC help REALTORSreg cut through government red tape to ensure that our members can keep practicing the profession they love
Connect with us
Click on the phone to go to the social media channel
on screen
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
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Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
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Jolayne CRaigNMLS ID 290277
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wwwTeamCraigLoanscom
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(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
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Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
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Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
FAAR Ambassadors will be greeting members at major events to make sure yoursquore given a friendly welcome Theyrsquoll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat Theyrsquoll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash Our Ambassadors will warmly invite you to another great FAAR event
Our association just got a little more friendly thanks to the new Ambassador program
11
Members attend the changing real estate regulations class part of the free day of education
SAVE the DATE
Family Fun Day amp
Crab Feast
7242016
SAVE the DATE
HalloweenMixer
10272016
all dates and locations subject to change
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Non-Profit
12
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Young Professionals Network (YPN)
Chair Laura Fangmanlaurafangmannestrealtycom Vice Chair openStaff Contact Lori Hillard-Wehr lhillardwehrfaarmemberscom
Property Management Committee
Network Organizer Ashley Howardahowardcbevacom Staff Contact Kim McClellan kmcclellanfaarmemberscom
Managing Broker Network
Chair Michelle Caldwell Thompson mthompsonctirealestatecomStaff Contact Barbara Castillobcastillofaarmemberscomand Lori Hillard-Wehrlhillardwehrfaarmemberscom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Awards Committee
Chair Bonnie Ramey bonnierameysellshomesgmailcomVice Chair Corey Green coreygreenC21nmcomStaff Contact Pat Breme pbremefaarmemberscom
Public PolicyRPAC Committee
Chair Suzy Stone suzystone22gmailcomVice Chair Karin Haid karinhaidbaycountysettlementscomStaff Contact Kim McClellankmcclellanfaarmemberscom
Education and Professional Development
Chair Michelle FreemyersmfreemyersekkotitlecomVice Chair Sandi Sheehan sheeselzaolcomStaff Contact Barbara Castillo bcastillofaarmemberscom
Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Non-Profit
13
2016 Committees Governance External Groups Roster
Fredericksburg REALTORSreg Foundation Chair Mary Beth Rich marybethrichrealtorgmailcomVice Chair Cindy LeBrun cindysellsvagmailcomSecretary Tracy Miller tlmgrouprealtygmailcomStaff Contact Kim McClellan kmcclellanfaarmemberscom
Leadership Development Committee
Chair Mark Geslock mgeslockmyno9to5comVice Chair Laura Fangman laurafangmannestrealtycomStaff Contact Pat Breme pbremefaarmemberscom
Nominations Committee
Chair Brooke Miller brookemillerlongandfostercomVice Chair Linda Fosdick lindadiscoverlakeannacomStaff Contact Pat Breme pbremefaarmemberscom
Budget amp FinanceInvestment
Chair Arlene Mason arlenecbcarriagehousecomStaff Contact Sharon Toombs stoombsfaarmemberscom
Grievance
Chair Dave MoberlydavemoberlyaolcomVice Chair Cindy LeBruncindysellsvagmailcomStaff Contact Pat Bremepbremefaarmemberscom
Meetup
Chair Chip Taylorconnectwithchipgmailcom
Womenrsquos Council of REALTORSreg President Carrie Dankocarrieldankogmailcom
Communication andTechnology Committee
Chair Sean Lando seanlandoyahoocomVice Chair Sarah Stelmok sarahnestrealtycomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Community RelationsCommittee
Chair Alexis ThomasathomasgoldstarfinancialcomVice Chair Natalie HoltnatalieholtC21nmcomStaff Contact Barbara Castillobcastillofaarmemberscom
Special Events Committee
Chair Sonia Kuppert soniastatitlecomVice Chair Teunsha Williams-Hinnant realtorshamriscomStaff Contact Julie Carriger jcarrigerfaarmemberscom
Professional Standards
Chair Alex Long longccimnetVice Chair Lynn Lenahan getwithlynngmailcomStaff Contact Pat Bremepbremefaarmemberscom
External Groups
Governance
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
14
In order to comply with a new NAR mandate FAAR and REALTORreg associations across the country have added an ombudsman program to their list of services FAAR and five other associations in the area Northern Virginia Greater Piedmont Prince William Blue Ridge and Dulles Area Associations of REALTORSreg already have a regional professional standards agreement in place The group now has launched an ombudsman program Several FAAR members have been trained in the program and are ready to review requests from members and the public Diane K Disbrow 2015 National Association of REALTORSreg Professional Standards Committee Chair explained the Ombudsman program best in the following article
So what is an ombudsman program
The Ombudsman Program in its simplest definition is informal telephone mediation In some cases it can address and solve minor complaints from the public The ombudsman can also solve inter-REALTORreg conflicts before they become serious problems Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional technical and procedural questions that can be addressed by communication Like a mediator an ombudsman helps parties find solutions that everyone can be happy with
How does it work
In most cases the designated contact person at the local association often the Professional Standards Administrator listens to
the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle The staff person also explains that if the ombudsman service is not successful in resolving the problem the complainant may still file a formal written ethics complaint with the Association If the complainant accepts the ombudsman service the staff person then relays the concerns to the ombudsman who contacts the complainant listens to their concerns clarifies that they understand the situation and ascertains what their desired outcome is The ombudsmanrsquos role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored Letrsquos face it most people donrsquot like conflict so itrsquos easier for a consumer or REALTORreg to contact the local association of REALTORSreg to vent or voice their concerns than bring the problem up directly with the REALTORreg they are upset with Itrsquos so much easier with a neutral person who can be the go-between
Who are these ombudsman
Typically Associations of REALTORreg appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORSreg Code of Ethics the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices The ombudsman
must be fair and credible avoid making a judgment of who is right or wrong and can also not give legal advice to any party Careful listening summarizing the situation determining what is most important to resolve the situation or make everyone satisfied and working toward that goal
Why now
The main reason is because itrsquos been so successful for associations that have a program in place It seems that many members of the public are reluctant to file a written ethics complaint for several reasons the process is too cumbersome and the paperwork is too hard to understand They really just want someone to listen and help solve their problem They do not want to fill out paperwork Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed Even REALTORSreg are often reluctant to file ethics complaints for similar reasons and also because they would rather not ldquorock the boatrdquo and cause conflict with other members that they cooperate with on transactions Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level
In reality many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTORreg or consumer wants to file a complaint In many instances staff is successful in alleviating the concerns However that isnrsquot always the case Consumers and our members really just want their story to be heard and having a team or
FAAR Introduces REALTORregOmbudsman Program
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Residential lending expeRtise Customized FinanCial solutions unsuRpassed CustomeR seRviCe
Atlantic Coast Mortgage LLC is an Equal Housing Lender middot Licensed by the Virginia State Corporation Commission (MC-5560)3800 Fettler Park Drive Suite 202 middot Dumfries VA 22025 middot wwwAtlanticCoastMortgagecom
Company NMLS ID 643114 middot Branch NMLS ID 1102885 middot (wwwnmlsconsumeraccessorg) middot Information provided as advertisement and is not a guarantee of lending
lauRa tRiplettNMLS ID 181420
(703) 919-3679LTriplettacmllccomwwwTeamTriplettcom
Jolayne CRaigNMLS ID 290277
(540) 272-2969JCraigacmllccom
wwwTeamCraigLoanscom
niCk lewisNMLS ID 226099
(703) 268-6316NLewisacmllccom
wwwNicholaseLewiscom
Rodney niCholsNMLS ID 1036448
(540) 717-8301RNicholsacmllccom
wwwRodneyNicholscom
liz ConRadNMLS ID 1286836
(540) 642-2095LConradacmllccom
wwwLizConradTeamcom
Every one of our professionals is among the best in the business Because wersquore entirely focused on providing mortgage services and products we have no distractions Our efficient streamlined process gets you the loan you need significantly faster than larger traditional banking institutions Our lender letter is one of the most respected in the local market which means that your contract will practically have the impact of a cash offer
15
committee of qualified REALTORreg members serving as ombudsman available to assist in resolving disputes has met with great success It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTORreg may be trying to cover up for another and reopens communications between the parties
The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience Itrsquos an opportunity to improve our professional reputation as REALTORSreg
Over the years the mediation of monetary disputes between REALTORSreg has been a huge success and mediation is the ldquopreferred dispute resolutionrdquo process of the National Association of REALTORSreg Hopefully the ombudsman program will have similar success Itrsquos a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring
that our customers and clients continue to have great relationships with REALTORSreg who truly want to make sure they have a great real estate experience
NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by Click the image or link below to go to these case studies listed on wwwfaarmemberscomprofessionalstandards
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Regional Government Officials
16
COMMONWEALTH OF VIRGINIA
GOVERNORTerry McAuliffe (D)Office of the GovernorCommon Ground for Virginia PO Box 1475Richmond VA 23218Phone (804) 786-2211
LT GOVERNORRalph S Northam (D)102 Governor StreetRichmond VA 23219Phone (804) 786-2078
ATTORNEY GENERALMark Herring 900 East Main StreetRichmond VA 23219Phone (804) 786-2071
UNITED STATE SENATORS Mark R Warner (D)475 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-2023
Tim Kaine (D)231 Russell Senate Office BuildingWashington DC 20510Phone (202) 224-4024
UNITED STATES REPRESENTATIVESRob Wittman (R) District 12454 Rayburn House Office BuildingWashington DC 20515Phone (202) 225-4261
Dave Brat (R)District 7330 Cannon House Office BuildingWashington DC 20515Phone (202) 225-2815
Virginia General AssemblySENATORSRyan McDougle (R)District 4PO Box 187 Mechanicsville VA 23111District04senatevirginiagovPhone (804) 730-1026
Bryce Reeves (R)District 17PO Box 7021Fredericksburg VA 22404District17senatevirginiagov Phone (540) 645-8440
Richard Stuart (R)District 28PO Box 1146Montross VA 22520District28senatevirginiagovPhone (804) 493-8892
HOUSE OF DELEGATESMark Dudenhefer (R)District 2PO Box 657Garrisonville VA 22463DelMDudenheferhousevirgniagov804-698-1002
William J Howell (R) District 28PO Box 8296 Fredericksburg VA 22404DelWHowellhousevirginiagovPhone (540) 371-1612
Robert ldquoBobbyrdquo Orrock (R)District 54PO Box 458Thornburg VA 22565DelBOrrockhousevirginiagov Phone (540) 891-1322
Buddy Fowler (R)District 5510321 Washington HighwayGlen Allen VA 23059DelBFowlerhousevirginiagovPhone (804) 305-8867
Mark Cole (R)District 88PO Box 41965Fredericksburg VA 22404DelMColehousevirginiagovPhone (540) 786-3402
Margaret Ransone (R)District 99PO Box 358Kinsale VA 22488DelMRansonehousevirginiagovPhone (804) 472-4181
CITY OF FREDERICKSBURGCITY COUNCIL
PO Box 7447 Fredericksburg VA 22401Phone (540) 372-1010City officials use a webform for email communications Visit wwwfredericksburgvagov and click ldquoCouncil Membersrdquo to access each elected official
MAYORMary Katherine Greenlaw
WARD 1Bradford Ellis
WARD 2William C Withers Jr
WARD 3Timothy Duffy
WARD 4Charlie Frye Jr
AT-LARGEKerry Devine
AT-LARGEMatt Kelly
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTJeff Small815 Princess Anne StreetFredericksburg VA 22401Phone (540) 372-1066
COMMISSIONER OF THE REVENUELois Jacob715 Princess Anne Street Room 102Fredericksburg VA 22404 Phone (540) 372-1004
TREASURERBrenda Wood715 Princess Anne Street Room 118Fredericksburg VA 22404Phone (540) 372-1001
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
171717
SPOTSYLVANIA COUNTYBOARD OF SUPERVISORS
PO Box 99Spotsylvania VA 22553(540) 507-7010
CHAIR- CHANCELLOR DISTRICTTim McLaughlinPhone (540) 850-9092TMcLaughlinspotsylvaniavirginiaus
VICE CHAIR-SALEM DISTRICTPaul TrampePhone (540) 580-9073PTrampespotsylvaniavaus
BATTLEFIELD DISTRICTChris YakabouskiPhone (540) 424-1440CYakabouskispotsylvaniavirginiaus
VICE CHAIR-BERKELEY DISTRICTGreg CebulaPhone (540) 940-9276GCebulaspotsylvaniavirginiaus
COURTLAND DISTRICTDavid RossPhone (571) 594-0814DRossspotsylvaniavirginiaus
LEE HILL DISTRICTGary SkinnerPhone (540) 891-6610GSkinnerspotsylvaniavirginiaus
LIVINGSTON DISTRICTGreg BentonPhone (540) 903-5216GBentonspotsylvaniavaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTChristalyn M JettPO Box 96 Spotsylvania VA 22553Phone (540) 507-7600
COMISSIONER OF THE REVENUEDeborah WilliamsPO Box 175Spotsylvania VA 22553Phone (540) 507-7053
TREASURERLarry PritchettPO Box 65Spotsylvania VA 22533Phone (540) 507-7058
STAFFORD COUNTYBOARD OF SUPERVISORS
PO Box 339Stafford VA 22555Phone (540) 658-8600
CHAIR-GEORGE WASHINGTON DISTRICTBob ThomasPhone (540) 724-1702BThomascostaffordvaus
VICE CHAIR-GARRISONVILLE DISTRICTLaura SellersPhone (540) 226-6338LSellerscostaffordvaus
AQUIA DISTRICTPaul MildePhone (540) 658-7643PMildecostaffordvaus
FALMOUTH DISTRICTMeg Bohmke Phone (540) 373-2485MBohmkecocstaffordvaus
GRIFFIS-WIDEWATER DISTRICTJack CavalierPhone (540) 207-5317JCavaliercostaffordvaus
HARTWOOD DISTRICTGary SnellingsPhone (540) 371-1610GSnellingscostaffordvaus
ROCK HILL DISTRICTWendy Maurer Phone (540) 226-6589Maurerwstaffordcountyvagov
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTKathy SterneJudicial Center1300 Courthouse RoadStafford VA 22554Phone (540) 658-8750
COMMISSIONER OF THE REVENUEScott Mayausky1300 Courthouse RoadPO Box 339Stafford VA 22554Phone (540) 658-4132
TREASURERLaura Rudy1300 Courthouse RoadStafford VA 22554Phone (540) 658-8700
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
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The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
18
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
CAROLINE COUNTYBOARD OF SUPERVISORS
PO Box 477 Bowling Green VA 22427Phone (804) 633-5380
CHAIR-BOWLING GREEN DISTRICTJeffery ldquoJeffrdquo SiliPhone (804) 633-9084jsilicocarolinevaus
VICE CHAIR-WESTERN CAROLINE DISTRICTJeffrey BlackPhone (804) 633-5380Jsb231aolcom
MADISON DISTRICTClay ForehandPhone (804) 314-3214cforehandcocarolinevaus
MATTAPONI DISTRICTFloyd ThomasPhone (804) 633-9237fthomascocarolinavaus
PORT ROYAL DISTRICTNancy LongPhone (540) 621-9277nlongcocarolinevaus
REEDY CHURCH DISTRICTReggie UnderwoodPhone (804) 994-5834runderwoodcocarolinevaus
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTSusan MinarchiPO Box 309Bowling Green VA 22427Phone (804) 633-5800
COMMISSIONER OF REVENUEMark BissoonPO Box 819 Bowling Green VA 22427Phone (804) 633-9834
TREASURERElizabeth B CurranPO Box 431Bowling Green VA 22427Phone (804) 633-5291
TOWN OF COLONIAL BEACH
18 N Irving AvenueColonial Beach VA 22443Phone (804) 224-7181
MAYORMike Ham(804) 224-7181mhamcolonialbeachvanet
MEMBERSEdward (Eddie) Blunt (540) 224-7181ebluntcolonialbeachvanet
Wayne DiRosario(540) 224-7181wdirosariocolonialbeachvanet
L ldquoTommyrdquo Edwards(540) 224-7181ledwardscolonialbeachvanet
Wanda Goforth(540) 224-7181wgoforthcolonialbeachvanet
Michael (Mike) Looney(540) 224-7181mlooneycolonialbeachvanet
Burkett Lyburn(540) 224-7181blyburncolonialbeachvanet
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Regional Government Officials
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
19
REAL TALK FAAR
YPN -YOUNG PROFESSIONALS NETWORKYPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTORreg community now and in the future This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders YPN serves the community through volunteer work to enhance the REALTORreg visibility and image
GET INVOLVED
Date Event Time VenueApril 12 Meeting 10 AM FAAR
April 28 Happy Hour Networking 5-7 PM The Glens model home on Mtn View Rd in Stafford
May 17 Meeting 10 AM FAAR
May 26 Happy Hour Networking TBA Paddyrsquos
Jun 14 Meeting 10 AM FAAR
Jun 30 Happy Hour Networking TBA Vivify
Jul 12 Meeting 10 AM FAAR
July 28 Happy Hour Networking TBA Massaponax Bowling
Aug 9 Meeting 10 AM FAAR
Aug 25 Happy Hour Networking amp Salsa night TBA TBA
Sep 13 Meeting 10 AM FAAR
Sep 14 FAAR Tradeshow and Reception All day Expo Center amp Buffalo Wild WIngs
Oct 8 Pub Crawl TBA Downtown Fredericksburg
Oct 11 Meeting 10 AM FAAR
Nov 8 Meeting 10 AM FAAR
Nov 17 Education Event TBA TBA
Dec 13 Meeting Holiday Event 1130 AM Fortune Gourmet
2016 YPN Calendar
KING GEORGE COUNTYBOARD OF SUPERVISORS
10459 Courthouse Drive Suite 200King George VA 22485Phone (540) 775-9181
CHAIR-AT-LARGE DISTRICTRuby BraboPhone (540) 200-8640Rbrabocokinggeorgestatevaus
VICE CHAIR-DAHLGREN DISTRICTJohn JenkinsPhone (540) 200-8640jenkinsjecokinggeorgevaus
JAMES MONROE DISTRICTJim HowardPhone (540) 644-9999jhowardcokinggeorgestatevaus
MADISON DISTRICTRichard GrangerPhone (540) 775-9604rgrangercokinggeorgestatevaus
SHILOH DISTRICTCedell Brooks JrPhone (540) 775-9465Cbfh98verizonnet
CONSTITUTIONAL OFFICERS
CLERK OF THE COURTCharles V ldquoVicrdquo Mason9483 Kings Highway 3King George VA 22485Phone (540) 775-3322
COMMISSIONER OF THE REVENUEJudy Hart10459 Courthouse Drive Suite 101King George VA 22485Phone (540) 775-4664
TREASURER Randy Jones 10459 Courthouse Drive Suite 100King George VA 22485Phone (540) 775-2571
Laura Fangmanlaurafangmannestrealtycom
FOR MORE INFO CONTACT
all dates and locations subject to change
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
20
Find a MemberIn order to best provide you with the timeliest information on our extensive REALTORreg network our digital directory including contact information for ALL REALTORSreg and
Affiliates can be accessed at wwwfaarmemberscom by clicking on the ldquoDirectoryrdquo link at the top of the homepage
Clicking the find button will show
ALL FAAR members alphabetically
You may also search by last
name or company name
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Find a MemberWant to access this informationdocument again
A pdf version of this directory can be accessed at wwwfaarmemberscom
by hovering on the ldquoDirectoryrdquo link at the top of the homepage and selecting ldquoFAARConnect Affiliate Directoryrdquo
Affiliate Directory
The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTORreg achievements
21
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
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With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
22
CAROLINE COUNTY16221 Richmond TurnpikeBowling Green VA 22427Phone (804) 633-5088wwwcarolinek12vaus
SUPERINTENDENTDr George Parker III
KING GEORGE COUNTY9100 St Anthonyrsquos Rd Po Box 1239King George VA 22485Phone (540) 775-5833wwwkgcsk12vaus
SUPERINTENDENTRobert Benson
SPOTSYLVANIA COUNTY8020 River Stone DrFredericksburg VA 22407Phone (540) 834-2500wwwspotsylvaniak12vaus
SUPERINTENDENTDr Scott Baker
STAFFORD COUNTY31 Stafford AveStafford VA 22553Phone (540) 658-6000wwwstaffordschoolsnet
SUPERINTENDENTDr W Bruce Benson
CITY OF FREDERICKSBURG817 Princess Anne StFredericksburg VA 22401Phone (540) 372-1130wwwcityschoolscom
SUPERINTENDENTDavid Melton
TOWN OF COLONIAL BEACH16 N Irving AveColonial Beach VA 22443Phone (804) 224-0906wwwcbschoolsnet
SUPERINTENDENTKevin Newman
School Board Contacts
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Call Today
5405484844
Termite Inspection amp Treatment Well Testing Lead amp Nitrite Testing General Pest Protection Construction amp Repairs Lock Box Access One Year Warranty w Sale Inspection (Home must meet warranty criteria)
ConnorrsquoS Pest Control
New Interactive Dashboard for Realtors With this tool you can
Request and schedule inspections for your properties Monitor your upcoming or pending inspections Link a payment method to ensure a safe and smooth payment process prior to the inspection Track your completed or canceled inspections
Itrsquos easy to get started Just visit wwwrealtorsconnorspestcom and create a profile
DONTMISS UT
091416FAARMEMBERSCOMFAAREXPO
23
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Local UtilitiesNATURAL GAS
Columbia Gas(800) 543-8911wwwcolumbiagasvacom
TELEPHONE
Verizon Virginia43 Bells Hill RoadStafford VA 22554(540) 720-9500(800) 483-4000wwwverizoncom
CABLE
Comcast(800) 226-2278wwwcomcastcom
Cox Communications1310 Belman Road(540) 373-6343(888) 683-1000wwwcoxcom
MetroCast11387 Ridge RoadKing George VA 22485(800) 633-8578wwwmetrocastcom
WATERSEWER
Caroline CountyDepartment of Public Utilities233 W Broaddus AvenueBowling Green VA 22427(804) 633-4390
City of FredericksburgPublic Works715 Princess Anne Street Room L6Fredericksburg VA 22401(540) 372-1023
King George CountyEngineering and Public Works10459 Courthouse Drive Suite 200 King George VA 22485(540) 775-9181
Spotsylvania CountyEnvironmental Engineering10304 Spotsylvania Ave Suite 400Fredericksburg VA 22408(540) 507-7222
Stafford CountyStafford Administration Center1300 Courthouse RoadStafford VA 22554(540) 658-8616
ELECTRIC
Dominion Virginia PowerBox 26666Richmond VA 23173(888) 667-3000wwwdomcom
Northern Neck Electric85 St Johns Street PO Box 288Warsaw VA 22572(800) 243-2860wwwnneccom
Northern Virginia Electric Cooperative2430 Poplar RoadFredericksburg VA 22406(888) 335-0500wwwnoveccom
Rappahannock Electric Cooperative247 Industrial CourtFredericksburg VA 22408(540) 898-8500(800) 552-3904wwwrappeleccom
bull Downsizingdeclutteringbull Professionally pack and unpack
belongingsbull Traditional and online estate
salesbull Clear out and prepare home for
salebull Clean home after sale
TRANSITION AND ESTATELIQUIDATION SPECIALISTS
We take the stress out of changing your address
We offer a complete solution for your transitionrelocation and estate liquidation needs
STFBurgcom
bull Boomers and Seniorsbull Arrange for repairs and other
handyman servicesbull Assist in finding a qualified
reputable realtorthat best suits your needs
bull Military and busy familyservices
Call for a free one hour consultation540-847-2131
Locally owned Working only for our clients
24
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
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Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
25
HISTORICALLY LOW Interest rates are still at
Historic Lows Make sure your clients are getting
the best deal-
Send them to CampF Mortgage
Call any one of our experienced loan officers to guide your buyers through the home buying process
5405488855
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
26
Itrsquos all about us
New member orientation brings in new faces
Pat Kline and Rebecca Graff meet up with Meetup
Sherrie Shaw Maria Nealis and Lisa Berry are ready for Derby Day
Heather Frye and Lynn DeSena ready for another great FAAR event
Mary Beth Rich Natalie Holt and Barbara Castillo are seen here with some of the nearly 12000 cereal boxes collected for the fall cereal drive
Vassa Olson and husband Tom enjoying the annual
bingo event
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
27
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
28
Real Estate Career AcademyRECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar but also a multitude of electives We offer topics that are pertinenent to todayrsquos real estate industry including technology trends and all the latest changes in contracts and addendums RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind
BENEFITS
As a member benefit members can attend RECA courses at a discounted rate RECA is also a source of non dues revenue for the association The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community In attending courses at RECA members can feel confident that they are supporting the association their community the real estate industry and helping minimize their own dues while receiving quality education
INSTRUCTORS
RECA is an award winning school offering quality and relevant curriculum designed by the knowledgeable members of the Fredericksburg Association of REALTORSreg our talented team of instructors and RECArsquos Education Director This unique group of 15+ individuals has over 150 years of combined experience and the degrees designations and certifications to ensure the information you receive is the best in the industry
ROADSHOWS
RECA offers competitively priced complete seminars to help meet your state licensing requirements (Real Estate Post Licensing Continuing Education and Broker Management Courses) RECA will bring any of our classes to your office including technology designations and certifications To schedule a class at your office email bcastillofaarmemberscom
ONLINE CLASSESNew courses are always being developed and added to our schedule Please keep in the loop check out the information and resources on httpswwwfacebookcomFAARmembers
httpstwittercomFAARmembers
RECA Instructors wanted
Do you want to elevate
the real estate industry and diversify your expertise while supplementing your income and getting free continuing education credit Look into becoming a RECA instructor
more information at wwwfaarmemberscomeducation
Too busy to attend a class in person
Visit httpfaarmlstheceshopcom for RECArsquos online classes Save time Save money It is convenient
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
29
Real Estate Career Academy
The Graduate REALTORreg Institute (GRI) is an education program and designation sponsored by Virginia Association of REALTORSreg (VAR) It is a nationally recognized by NAR and is one of the most popular designations among REALTORSreg This program focuses on developing and increasing participantsrsquo professionalism and skill level in ways that positively affect their bottom line
As business standards legal regulations and technology changes VAR is determined to maintain the best GRI program In order to provide an exceptional learning experience to our REALTORSreg the GRI curriculum is currently under development and will be unveiling the new curriculum in May 2016
VAR has taken the original 14 classes that were each 8 hours long and completely revised the content To meet NARrsquos new standards VAR has updated its REALTORreg Institute program to offer 10 classes with most being six hours long totaling 60 hours of coursework for the completion of the designation VAR will continue to offer the program in partnership with our local associations and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules
Current GRI students if your 5 year completion deadline was in 2014 2015 or 2016 VAR will grant you an extension to 2017 VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner
We understand that our current students have many questions about where they stand in completing their designation If you have a specific inquiry or concern about the GRI please contact Cailinvarealtorcom
ALL NEW GRI CLASSES IN 2016
HUNTING FOR A LOANGIVE US A ROAR
Buying Building or RenovatingWe have the mortgage for you
wwwLionBankMTGcom
Fredericksburg Office540-785-3320
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
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32
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Apply NOW while the rates are still low at NSWCFCUorg
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33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
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The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
30
2016 AT A GLANCEClasses and Events
BROKER MANAGEMENT8 HOURSMay 5September 20November 8
CONTINUING EDUCATION16 HOURS April 12April 14June 7June 9August 9August 11October 11October 13December 6December 8
POST LICENSING EDUCATION30 HOURSApril 12April 14April 19April 21June 7June 9June 14June 16August 9August 11
CERTIFICATIONS AND DESIGNATIONSNegotiations ndash Day 2 April 5ABR April 25 amp 26e-Pro May 17MRP May 31Generating Buyer and Seller Leads July 26GRI TBA
SUCCESS SERIESSeptember 19-October 24
ORIENTATION DATESApril 7June 2August 4October 6December 1
August 16 August 18October 11October 13 October 18October 20December 6December 8December 13December 15
all dates and locations subject to change
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
31
Members sign in at the free day of education event part of March is for Members
WWWTHETITLEPROFESSIONALSCOM
WE CLOSE THE DEAL
Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of
trusted knowledgeable professionals
Spotsylvania 10708 Ballantraye Dr
Suite 204 P) 540-891-4055
Fredericksburg 1010 Charles Street P) 540-310-4804
Stafford 11 Hope Road Suite
215 P) 540-288-0205
2015 CHAMBER GOODWILL AWARD WINNER
all dates and locations subject to change
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Alex BelcherMacdoc Realty
alexbelchermdrgmailcom (540) 845-5005
Natalie HoltCentury 21 Redwood Realty
nataliec21redwoodcom (540) 659-2161
Carolyn LiddellSun Realty
carolynsuncompaniesbiz (540) 259-9623
Donna ChandlerCentury 21 Redwood Realty
donnac21redwoodcom (540) 273-0250
Mark GeslockKeller Williams Realty
Mgeslockmyno9to5com (540) 785-2225
Donna SchmidtAmerican Home Shielddschmidtahslinkcom
(540) 413-6990
WE GIVE BACK
WE GIVEBACK
OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLEORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSISTAREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN
THEIR ABILITY TO SECURE AND RETAIN SHELTER
2016 BOARD OF GOVERNORS
Greater Fredericksburg Habitat
for Humanity $5100
Thurman Brisben Center $6500
Empowerhouse $7000
Central Virginia Housing
Coalition $3500
Loisanns Hope House $3500
32
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
The 1515 Mortgage is an Adjustable Rate Mortgage (ARM) The term is 360 months Your initial rate is locked in for the first 180 months The rate for the remaining 180 month term will be based on the then current index plus margin Rate caps include maximum increasedecrease of 4 Lifetime cap of 4 over the initial rate The rate and payment amount can increase after origination Payment Example A mortgage loan of $200000 at 3462 APR will have a monthly payment of $88419 for the first 180 months Taxes and insurance not included your actual payment obligation will be higher No subordinate financing permitted Member eligibility required All Credit Union loan programs rates terms and conditions apply and are subject to change at any time without notice NSWC Federal Credit Union is Federally insured by the NCUA Contact the Credit Union for more details
Apply NOW while the rates are still low at NSWCFCUorg
No PMI with 90 LTVEasy online applicationLOW RatesLower Payments
embership means
NSWC Federal Credit Union
Owning your own homeOwning your own home
Check out our 1515Adjustable Rate Mortgage
M embership meansM
33
SAVE the
DATE
Installation
1282016
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
34
Get Ready Get SetGet REALTORreg
Itrsquos time for a brand new conversation about the value you bring to real estate transactions
To remain standing through 100 years a brand needs to be defended promoted and occasionally scrutinized to ensure itrsquos keeping up with the times The National Association of REALTORSreg has been on the forefront of that work since 1915 when the term REALTORreg was coined by a Minnesota practitioner Research shows the REALTORreg brand enjoys a high level of recognition and trust among consumers But does that mean buyers sellers and investors truly recognize the value of your expertise Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives NAR leaders have been pondering these questions for some time and in February they announced a new focus for the associationrsquos long-standing advertising campaign one that powerfully positions the REALTORreg as consumersrsquo competitive advantage
ldquoIt needed to be donerdquo says Colorado practitioner Keith Kanemoto e-PRO about
the decision to shake up a successful ad campaign ldquoWe have a multibillion-dollar brand that we have spent over 100 years perfecting and we donrsquot want it to appear old and stodgy in the eyes of the new consumerrdquo Kanemoto was 2015 chair of the associationrsquos Consumer Communications Committee which recommended the shift The new ldquoGet Realtorregrdquo campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate NAR brought in Boston-based creative agency Arnold Worldwide known for the ldquoFlordquo commercials of Progressive Insurance to guide a sophisticated strategy that uses content partnerships and social media messaging as well as traditional advertising to drive home your indispensability Content is posted at realtororg giving you an easy way to use the messages in your own social communities Welcome to advertising for the millennial generation
A Staunch Defender
From the start organized real estate has been concerned with promoting the message of trust and value to the public One of the main topics discussed at the associationrsquos first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions When he coined the word ldquoRealtorrdquo in 1915 Minnesota practitioner Charles Chadbourn had that goal firmly in mind Chadbourn not only embraced the ideals of NARrsquos foundersmdashthat an association would separate the true professionals from the ldquocurbstoners riffraffs and sharksrdquo that were out to swindle the publicmdashhe felt the members needed a professional title of their own The National Association of Real Estate Boards as NAR was known at that time agreed The association adopted the term in 1916 paying Chadbourn one dollar for the rights
Herersquos a glimpse into the making of the National Association of REALTORSregrsquo new digital-first
advertising campaign
By Meg White
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Charles Chadbourn was rightfully dismayed
It was December 1915 and as Chadbournmdasha founder of the Minnesota state associationmdashmade his way down a Minneapolis street on his way to a board meeting he was accosted by a headline
ldquoA news urchin on the street thrust a paper under my noserdquo he later wrote in the National Real Estate Journal ldquobearing the flaming headline lsquoReal Estate Man an Embezzlerrsquo and importuned me to buy and read lsquoall about the big scandal in a real estate officersquothinsprdquoTwo years earlier the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics vowing to operate by the Golden Rule But ldquobuyer bewarerdquo still ruled the marketplace
How he wondered might the public understand the difference between a mere real estate agentmdashwith no commitment to professionalismmdashand an association member He wanted a concise way to convey the trust and authority that defined the professional practice of real estate So in the model of ldquodoctorrdquo and ldquolawyerrdquo he coined the term ldquoRealtorrdquo Chadbourn successfully petitioned his local board in Minneapolis to begin using the word and in 1916 he signed over rights to the term making the national association its defender
Learn more about the trademark centennial at 100yearsrealtor
Talk about the deal of the century NAR has been the proud keeper and staunch defender of the ldquobrand truthrdquo ever since ldquoIf you look back at the old Board of Directors minutes itrsquos clear that trademark protection has been of utmost importance since the beginningrdquo says NAR General Counsel Katherine Johnson ldquoREALTORSreg were definitely on the forefront of establishing and protecting membership trademarks even before the US government was ready to tackle the issuerdquo
In fact NAR couldnrsquot legally apply for federal registration rights to ldquoREALTORregrdquo for three decades after it officially obtained the name The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered (The Trademark Act of 1905 had prohibited registration of ldquosymbols of collective groupsrdquo until 1938)
By the mid-1920s an annual consumer outreach effort known as ldquoREALTORreg Weekrdquo was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns The first national version was held in March 1956 eventually replaced by Private Property Week in 1976 and in 1986 American Home Week
In addition to running ads and helping local associations get the word out NAR had the foresight to make connections with dictionary creators editors and publishers to ensure that the term ldquoREALTORregrdquo was used correctly in print
NAR and state and local boards have worked hard to enforce the associationrsquos and membersrsquo exclusive rights to the term Federal and state courts have upheld those rights more than two dozen times In 2015 NAR was a finalist for World Trademark Reviewrsquos Not-for-profit Organization Team of the Year award
New Reality New Strategy
REALTORSreg began advertising nationally in 1998 with the ldquoReal Estate is our Liferdquo campaign Over the years the advertising has enjoyed overwhelming member supportmdashand no wonder For national promotion the $35 annual assessment that members pay is a bargain But while the campaign message changed over the years to reflect the times the medium remained largely traditional television and radio spots
So in 2015 NAR tapped Arnold Worldwide to formulate a new media strategy Arnold began by extensively researching the REALTORreg brand diving into
By Meg WhiteBRAND VISIONARY
35
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
36
Get Ready Get Set Get REALTORreg
the fundamental elements of trust and dynamism They found that consumers rated REALTORSreg more trustworthy than both other real estate professionals and four real estate portal websites But in terms of dynamism (as measured by innovation convenience technological advancement accessibility and other factors) the REALTORreg brand came out somewhere in the middle of that same group Lisa Unsworth chief marketing officer at Arnold says the REALTORreg brandrsquos strong score on the trust measurement is a rare demonstration of market saturation ldquoAny other brand would be enviousrdquo she says
Todd Shipman AHWD GRI an Edina Minn agent and current chair of NARrsquos Consumer Communications Committee
agrees that the goal of the campaign isnrsquot to convince more people to use a REALTORreg as much as projecting a sense of vitality ldquoThis isnrsquot a lsquowe need market sharersquo branding campaign This is about being relevant to the contemporary consumer and [ensuring] they understand our value propositionrdquo
The result is an effort to engage DIY-minded consumers who are used to resolving issues with a quick search or the click of a button and
who may be fearful of reaching out to another human being for help achieving their goals Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple The ldquoGet Realtorregrdquo campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTORreg The name is both a cheeky take on this wake-up call (as in ldquoget realrdquo) and a more literal call to action to ldquogetrdquo a REALTORreg
The campaign approaches outreach and market saturation in a new way For decades advertising was devised with TV commercials at the center bolstered by ancillary radio spots
billboards and other media The strategy for ldquoGet Realtorregrdquo recognizes that consumers now have more control of their media intake ldquoConsumers are at the center and their networks radiate out from thatrdquo Unsworth says Content will be present in social media and other digital spaces where they are already spending their time as well as traditional ad environments
How the Past Builds the FutureWhile working with 100 years of history can be a challenge Unsworth says highlighting the legacy of the REALTORreg mark is an exciting task for Arnold Worldwide ldquoThose are the fun brands to work withrdquo she says ldquoSome clients come to us and say lsquoWe need you to create a brandrsquo and wersquore like lsquoUh ohrsquo You donrsquot invent brands Itrsquos about revealing a brand truthrdquo
She compares the trademark to a diamond that only needs a little polishing to show its true value in todayrsquos marketplace ldquoThe equities of the REALTORreg brand are incredibly strong The DNA of the brand is 100 yearsrsquo worth of workrdquo she says ldquoWersquore tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we userdquo
Despite the many changes to the media landscape since the mark was created a century ago the spirit of 1916 remains alive and well in the new campaign ldquoThough wersquore using digital video and social media posts
Based on your knowledge ofBuilding codes
the Basement could definitely
proBaBly Befinished mayBe
A Realtorreg knows everyone you need to know to make
your home yours
Realtorsreg are members of the National Association of Realtorsreg
Fredericksburg Area Association of REALTORS
reg
Fredericksburg VA
540-373-7711
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Serving Realtors since 1967
(540) 373-6655
wwwPermaTreatcom
Let‛s get Social
Problems with listings moisture in crawl spacesAsk about our Crawl SpaceEncapsulation Program
37
now the overriding goal is the same as ever to educate the public on the many benefits of working with a REALTORregrdquo says Stephanie Singer NARrsquos senior vice president of communications The campaign excels in its ability to reveal the many surprises real estate consumers may encounter she says and it increases their understanding of why they need ethical professional help
Charles Chadbourn would certainly agree
Reprinted from REALTORreg Magazine Online MarchApril 2016 with permission of the NATIONAL ASSOCIATION OF REALTORSreg Copyright 2016 All rights reserved
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
RECA makes it easy with our roadshows Brokers can schedule any RECAclass including certifications anddesignations with their choice ofqualified instructors at their office Donthave room to host a class Host a privateclass for your agents at the RECAclassroom located in the FAAR office
Road shows require a minimum numberof students usually ten but dependenton the type of course
Ethics
Fair Housing
Finance
VA Loans
Personal andTechnology Marketing
Meth Labs
Agency
Escrow
2015 Contracts
2015 Addenda
Broker Management
Military RelocationProfessional
ARE YOUR AGENTS MEETINGTHEIR LICENSE REQUIREMENTSHERES HOW YOU CAN MAKESURE THEY DO
RECA ROAD SHOWS
YOUR SOURCE FOR REAL ESTATE EDUCATION
FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO EDUCATION DIRECTORAT 5403737711 OR BCASTILLOFAARMEMBERSCOM
QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE
AVAILABLE CLASSES
38
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
39
Unlike other mortgage companies Movement Mortgage gets it We know that you work hard to grow your business The
last thing you need is a company that is lagging behind and holding you back With this in mind Movement Mortgage has
created a driven and motivated culture dedicated to being the best in the industry We have adopted excellence as a rule
not an exception
wwwmovementcom 098384OLM-CD AV66711-OLM-AV - eeL leahciM | 388054OLM-CD AV39632-OLM-AV - nhoB kciN | AV3462-OLM-AV 33491-DM - nospmiS lissa eM | AV2462-OLM-AV DM - eyrF rehtaeH
| Antonio Correia - VA-MLO-26568VA | Pete Grin - VA-MLO-21348VA | Georgeanne Riddle - VA-MLO-1760VA | Linda Secrist - VA-MLO-24034VA DC-MLO419848 | Beth Goodwin
- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA | Dave Walczak - VA - MLO-21797VA | Lisa Nichols - VA MLO-2345VA GA-41065 NC-I-160190 | Sara Foster - VA-MLO-18138VA |
Movement Mortgage LLC is an Equal Housing Lender NMLS ID 39179 (wwwnmlsconsumeraccessorg) | 877-314-1499 Movement Mortgage LLC is l icensed by MD 19094 VA MC-
5112 GA 23002 and DC MLB39179 ldquoMovement Mortgagerdquo is a registered trademark of the Movement Mortgage LLC a Delaware l imited l iabil ity company 841 Seahawk Cir Virginia
Beach VA 23452 CPID 2666 | Exp 12017
Heather FryeBRANCH MANAGERSR LOAN OFFICERNMLS 2 13439direct 54092328911125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Nick BohnLOAN OFFICERNMLS 450883direct 54090756271125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Antonio CorreiaLOAN OFFICERNMLS 946401direct 54064562591125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Georgeanne RiddleLOAN OFFICERNMLS 22 1693direct 54073550221125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Beth GoodwinSENIOR LOAN OFFICERNMLS 3 1 1979direct 54022624024258 Germanna Hwy Ste F1 Locust Grove VA 22508
Barbara ParksTRANSACTION COORDINATORdirect 54071847671125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Lisa NicholsSENIOR LOAN OFFICERNMLS 193453direct 540645627013580 Groupe Dr Ste 201 Woodbridge VA 22192
Melissa SimpsonBRANCH MANAGERSR LOAN OFFICERNMLS 2 13443direct 54064562721125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Michael LeeBRANCH MANAGERSR LOAN OFFICERNMLS 527947direct 54064562627851 Dolleyrsquos Ct Ste 13 King George VA 22485
Pete GrinLOAN OFFICERNMLS 1227655direct 54083488261125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Linda SecristSENIOR LOAN OFFICERNMLS 419848direct 54064562761125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Shay HollarLOAN OFFICERNMLS 969205direct 54064562741125 Jeyenerson Davis Hwy Ste 380 Fredericksburg VA 22401
Dave WalczakSALES MANAGERSR LOAN OFFICERNMLS 475669direct 7036624322385 Garrisonvil le Rd Ste 105 Stayenord VA 22554
Sara FosterLOAN OFFICERNMLS 1073 1 10direct 5404247484923 Maple Grove Dr Ste 209 Fredericksburg VA 22407
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
40
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses
ACCREDITED BUYERrsquoS REPRESENTATIVEreg ABRregThe Accredited Buyerrsquos Representative (ABRreg) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing April 25 amp 26 2016 Register at wwwfaarmemberscom
THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected and relevant designations offered in real estate business management and is awarded to REALTORSreg who have completed advanced educational and professional requirements CRB Designees are better positioned to streamline operations integrate new technology and apply new trends and business strategies Join today and discover a new approach to enhancing knowledge and leveraging opportunityVisit REBInstitutecom
CERTIFIED RESIDENTIAL SPECIALIST CRSThe CRS designation is the highest credential awarded to residential sales agents managers and brokers On average CRS designees earn nearly three times more in income transactions and gross sales than non-designee REALTORSregPresented by Council of Residential SpecialistsmdashContact CRS at httpswwwcrscomabout-uscontact-us
SENIORS REAL ESTATE SPECIALISTreg SRESreg The SRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ By earning the SRESreg designation you gain access to valuable member benefits useful resources and networking opportunities across the US and Canada to help you in your businessSRESreg Designation program educates REALTORSreg on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate clients age 50+ Presented by SRESreg CouncilmdashContact SRES Council at sresrealtorsorg
AT HOME WITH DIVERSITYreg AHWDregLearn to work effectively with ndash and within ndash todayrsquos diverse real estate market The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them Presented by the National Association of REALTORSregFor more information on this course and its business principles please contact us at ahwdrealtorsorg
REAL ESTATE NEGOTIATION EXPERT RENEThis certification is for real estate professionals who want to sharpen their negotiation skills The RENE certification program gives REALTORSreg the tips and tools they need to be skillful advocates for their clientsDay 2 being offered April 5 2016 with Matthew RathbunRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
STA Title amp Escrow
MENTION THIS AD TO RECEIVE $10000 OFF YOUR NEXT SETTLEMENT
With Over 30 Years of ServingCentral and Northern Virginia
Let STA Exceed Your Expectations
The National Association of REALTORSreg and its affiliated Institutes Societies and Councils provide a wide-range of programs and services that help members increase their skills proficiency and knowledge Designations and certifications acknowledging experience and expertise in various real estate sectors are awarded by NAR and each affiliated group upon completion of required courses NARrsquoS GREEN DESIGNATION GREEN
Through NARrsquos Green Designation the Green REsource Council provides ongoing education resources and tools to help real estate practitioners find understand and market properties with green features Presented by The Green REsource Council mdashContact The Green REsource Council at greendesignationrealtorsorg
E-PROregNARrsquos e-PROreg certification teaches you to use cutting-edge technologies and digital initiatives to link up with todayrsquos savvy real estate consumerPresented by the National Association of REALTORSregDay 1 offered in the FAAR classroom May 17 2016 with Sarah Stelmok instructingRegister at wwwfaarmemberscom
MILITARY RELOCATION PROFESSIONAL MRPNARrsquos Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and supportFAAR is offering this in the classroom May 31 2016 with Arlene RobertsRegister at wwwfaarmemberscom
CERTIFICATIONS AND DESIGNATIONS
41
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
42
Affiliate Directory by categoryFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
ADVERTISINGMEDIA
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
APPRAISERS
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet Alvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Michael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
ATTORNEYS
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
BANKS
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
43
Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
COMMISSION ADVANCEMENTS
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
COMPUTERIT SERVICES
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
ENVIRONMENTAL SERVICES
Michele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
EVENT VENDORSBonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
HOME INSPECTORS
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
HOME WARRANTY COMPANIES
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
44
Affiliate Directory by categoryINSURANCE AGENCIES
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocom
MORTGAGE COMPANIES
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
45
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
46
Affiliate Directory by categoryLex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
ORGANIZINGESTATE CLEANOUT
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kimsmoothtransitionsfredericksburgcom
PEST CONTROL
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
John ReidLoan Officer NMLS 293315
5408421484jreidembracehomeloanscomwwwembracehomeloanscomjohn-reid2020 Lafayette Blvd Frederickburg VA 22401
Embrace Home Loans Inc NMLS ID 2184 is licensed in GA (Lic12848) MD VA
(wwwnmlsconsumeraccessorg)
Embrace offers a variety of products including FHA VA Conventional Fresh Start programs Jumbo Alternatives Approved to Movetrade Investment loans and so much more Call now
Do you have clients looking for their dream home
Help them start this spring Trust in your hometown mortgage lender today
47
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Affiliate Directory by categoryJack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
TRADE ASSOCIATIONS
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
TITLE COMPANIES
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
23
Weichert Realtors-Fredericksburg Coldwell Banker Elite-King George Fredericksburg Area Association of Realtorsreg Staff Vassa Olson and Family Debbie Klingensmith and Friends Atlantic Coast Mortgage Commission Express of Prince William The Love Smith Team 1st Choice Better Homes and Land Coldwell Banker Carriage House Carolinersquos Realty Keller Williams Realty Coldwell Banker Elite-Stafford Johnson amp Glazebrook
Keller Williams Superior Realty The Hospitality House Coldwell Banker Elite-Fredericksburg Century 21 Redwood-Fredericksburg Sanford Johnson and Andrea Maitland Long and Foster Fredericksburg The Gillies Team Fredericksburg Womenrsquos Council of Realtorsreg Ekko Title Century 21 Redwood- Locust Grove Mary Beth Rich and Natalie Holt
FAAR Thanks Members for Participating in Secret Santa
FAAR members and offices sponsored 24 needy familiesas part of this yearrsquos Secret Santa program FAAR
members stuffed a warehouse with toys bikes clothes strollers and various other items for a week in mid-December All donated items were distributed before Christmas Eve and brought cheer to many need families
FAAR would like to recognize the following offices and individuals for their generosity and kindness
50 OFF First Month
Select Units
Includes Use ofFREE
Move In TruckMention Code FAAR
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved48
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group1956 William StFredericksburg VA 22401(540) 658-0992 ktatembhcom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom
Sommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
At BBampT our local lenders keep us close to our clients And our commitment to outstanding service helps make buying a home a little easier So when yoursquore looking to buy build renovate or refinance a home look fi rst to BBampT Our door is always open to share more than 140 years of fi nancial knowledge ndash helping thousands of clients open doors of their own Letrsquos get started today BBTcomMortgage
Building futures One home at a timeBuilding futures One home at a timeBuilding futures One home at a time
B A N K I N G I N S U R A N C E I N V E S T M E N T S
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loans are subject to credit approval Only deposit products are FDIC insured
copy 2016 Branch Banking and Trust Company All rights reserved
The 2016 Economic update featured local economic development directors and the chief economist of NAR Lawrence Yun
Pictured left to right Pat Breme Lawrence Yun Christine Singhass Rick Cobert Linwood Thomas Karen Hedelt Gary Wilson Linda Fosdick Tom Rumora
49
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
50
Affiliate Directory by company alphabeticallyFREDERICKSBURG AREA ASSOCIATION OF REALTORSreg AFFILIATE MEMBERS AS OF 3212016
Nancy BriceA amp S Associates14536 Wagon Wheel LnBowling Green VA 22427(910) 520-9223ansasocmsncom
Tony BoldingAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tboldingalcovamortgagecom
Tarina LeinenbachAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869tarinaalcovamortgagecom
Barry MooreAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869bmoorealcovamortgagecom
Kim ThagholmAlcova Mortgage4530 Plank Rd Ste100Fredericksburg VA 22407(540) 656-2869kthagholmalcovamortgagecom
Donna SchmidtAmerican Home Shield6074 Hamlin CrKing George VA 22485(540) 413-6990dschmidtahslinkcom
Phillip C GamlinAmerihome Inspection ServicesPO Box 1722Stafford VA 22555(540) 659-8484officemanageramerihomeinspectnet
Tony GrubbAppraisal Tech1135 Heatherstone Dr 8Fredericksburg VA 22407(703) 291-1200tonybuysandsellsgmailcom
Michelle BohnATG Title Company1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 752-1121michelleatgtitlecom
Liz ConradAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 318-6108lconradacmllccom
Jolayne CraigAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(540) 736-1304jcraigacmllccom
Nick LewisAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 272-2969hlewisacmllccom
Rodney NicholsAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA` 22025(540) 659-8631rodneynicholsmovementmortgagecom
Laura TriplettAtlantic Coast Mortgage3800 Fettler Park Dr Ste 202Dumfries VA 22025(571) 421-1699ltriplettacmllccom
Stephen BarishBarish amp Associates4830 Parlow RdPartlow VA 22534(540) 693-5373barishassociatesgmailcom
Pamela GodfreyBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg VA 22401(540) 658-2162pwhartonbaycountysettlementscom
Karin HaidBay County Settlements Inc1931 Plank Rd Ste 201Fredericksburg Virginia 22401(540) 658-2162karinwhitleybaycountysettlementscom
Tanner MulvihillBayfield Home Loans239 Garrisonville Rd Ste 202Stafford VA 22554(540) 318-6108tannerbayfieldhomeloanscom
Carrie MinnickBB amp T Mortgage760 Warrenton RdFredericksburg VA 22406(540) 322-5451cminnickbbandtcom
Anne BetzBBampT Mortgage400 George StFredericksburg VA 22401(540) 322-5453abetzbbandtcom
Tom RobertsBrand Mortgage Group LLC14000 Crown Ct Ste 210Woodbridge VA 22193(540) 709-7927TomRobertsBrandmortgagecom
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
51
Arthur SmithBrand Mortgage Group LLC14000 Crown Court Ste 210Woodbridge VA 22193(540) 898-4215asmithbrandmortgagecom
Tracy BrayC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855tbraycfmortgagecorpcom
Brian WhetzelC amp F Mortgage Corporation2050 Gordon W Shelton Blvd 1st FloorFredericksburg VA 22401(540) 548-8855bwhetzelcfmortgagecorpcom
Charles PinkardCharles Pinkard Appraiser26058 Zion RdRuther Glen VA 22546(540) 847-9522charlespinkardgmailcom
John FieldsCJR Property Inspections209 Old Landing CtFredericksburg VA 22405(540) 273-1059johnfieldsva-home-inspectioncom
Anthony CampbellCMS Mortgage Solutions Inc119 Byron StChesapeake AA 23320(540) 850-0690anthonycampbellcmsgmailcom
Corrina CarterCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(757) 558-2603cmsmtgsolutionsaolcom
Melissa OkrasinskiCMS Mortgage Solutions Inc119 Byron StChesapeake VA 23320(540) 562-8132melissaocmsmtgsolutionscom
Mel L CochranCochran Home Inspection Services LLC1114 Patrick StFredericksburg VA 22401(571) 388-3523melCHIS-LLCcom
Richard Altstaetter Colonial Forge Appraisal Services117 Autumn Drive Stafford VA 22556(540) 752-6656appraisalscolonialforgenet
Dawn BoxwellColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Eric HoustonColony Pest ControlP O Box 41247Fredericksburg VA 22404(540) 752-0815erichouston76gmailcom
John McGeeColony Pest ControlPO Box 41247Fredericksburg VA 22404(540) 752-0815jjmm900yahoocom
Adele S YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843ayostcommissionexpresscom
Cecilia M YostCommission Express of Prince William10432 Balls Ford Rd Ste 300Manassas VA 20109(703) 881-7843cyostcommissionexpresscom
Mike DelossantosConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844delossantosconnorspestcom
Robin MountjoyConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844robinbconnorspestcom
Michelle MullinsConnorrsquos Termite amp Pest Control6307 Old Plank RoadFredericksburg VA 22407(540) 548-4844michelleconnorspestcom
Anthony AndersonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274anthonycsiofvirginiacom
Ron MillerCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274ronmcsiofvirginiacom
Barry RobinsonCSI Home amp Commercial Services10822 Courthouse RdFredericksburg VA 22408(866) 996-4274barrycsiofvirginiacom
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Affiliate Directory by company alphabeticallyAlvaro DelgadoDelgado Real Estate Inc3330 Bourbon Street Ste 114Fredericksburg VA 22408(540) 940-2728adelgado85earthlinknet
Diane KelsoDiane Kelso Insurance Services601 Breezewood DrFredericksburg VA 22407(540) 710-9699dianedianekelsocomMichele P WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391
Robert L WareDrainfield Solutions LLC15384 Nelson Hill RdMilford VA 22514(804) 994-3391infodrainfieldsolutionscom
Michele FreemyersEkko Title1931 Plank Road Ste208Fredericksburg VA 22401(540) 899-1992mfreemyersekkotitlecom
Carol ColemanEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484ccolemanembracehomeloanscom
Pam HicksEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 785-3333phicksembracehomeloanscom
John ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484jreidembracehomeloanscom
Tammy ReidEmbrace Home Loans2020 Lafayette BlvdFredericksburg VA 22401(540) 842-1484tammynichollsauctioncom
Dan FerrellFerrellrsquos Termite amp Pest Control Inc427 Haden LnBumpass VA 23024(540) 872-2616ferrellstermiteaolcom
Mac ChurchFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333macchurchlionbankcom
Sanford JohnsonFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3353Sanfordjohnsonlionbankcom
Philip KingFidelity Bank Mortgage1440 Central Park BlvdFredericksburg VA 22401(540) 785-3333philipkinglionbankcom
Bea PhelpsFredericksburg Area Builders Association3006 Lafayette BlvdFredericksburg VA 22408(540) 898-2730bphelpsfabavacom
Bonnie MartinFredericksburg Hospitality House2801 Plank RdFredericksburg VA 22401(540) 736-1006bmartinvirginialandmarkhotelscom
Josie Ramos-JohnsonGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 220-8131josierjohnsongoldstarfinancialcom
Alexis ThomasGold Star Mortgage1320 Central Park Blvd Ste 200Fredericksburg VA 22401(540) 786-4819athomasgoldstarfinancialcom
Heather F YarnallGuardian Pest Services4900 Trade Center DrFredericksburg VA 22408(540) 891-0330yarnallheathergmailcom
52
Pictured left to right Sandra Pearce Christine Singhass Congressman Rob Wittman Sha Williams-Hinnant LInda Fosdick Drew FristoeAnn Black
REALTORreg representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Cathy BishopHomebuyerrsquos Title and Escrow10601 Courthouse Rd Suite 200Fredericksburg VA 22407(540) 891-1300cathyathbaolcom
Lisa P Hockman RAAHorizon Appraisals6801 Tupelo DrSpotsylvania VA 22551(540) 582-3147horizonapprcomcastnet
Andrea AlemanyIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612aalemanyahmcloanscom
Scott HineIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612shineihmeloanscom
Scott HineIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732
Kent SchraderIntegrity Home Mortgage Corp4520 Plank Rd Ste 104Fredericksburg VA 22407(540) 412-5612kschraderihmcloanscom
Jason SullivanIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732jsullivanihmcloanscom
Linda SulserIntegrity Home Mortgage Corp5885 Trinity Pkwy 105Centreville VA 20120(703) 517-9732lsulserihmcloanscom
Joseph R Trombino CRSJoe Trombino Inspection Services5025 Sewells Pointe WayFredericksburg VA 22407(540) 710-5889trombinojosephyahoocom
Joseph P Gibbs IIIJoseph Phillip Gibbs Appraiser WService Realty Inc10024 Kings HwyKing George VA 22485(540) 775-9690philgibbsiiimriscom
Alicia ThompsonKensington Vanguard National Land Services9 Kingsland Drive Ste 109Stafford VA 22556(540) 242-5230athompsonkvnationalcom
Barry ClarkLaw Office of Barry Clark104 Westwood Office ParkFredericksburg VA 22401(540) 374-9174barryclarklclarklawcom
Justin CuneoLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272
Nick LupiniLoyal Termite amp Pest Control2610 E Parham RdRichmond VA 23228(540) 604-5272nlupiniloyalpestcom
Phillip BlakeMBH Settlement Group1956 William StFredericksburg VA 22401(540) 373-1300pblakembhcom
Kathy TateMBH Settlement Group9 Center Street Suite 105Stafford Virginia 22556(540) 373-1300 ktatembhcom
Chris SmortoMcLean Mortgage Corp11325 Random Hills Rd Ste 400Fairfax VA 22030(540) 903-9623csmortomcleanmortgagecom
53
FAAR members ask questions at the 2016 Economic update
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
54
Affiliate Directory by company alphabeticallyMichael MoritzMichael A Moritz8249 Rozell RdWoodford VA 22580(540) 786-4500mikebestappraisalcom
Stacy MooreMoorersquos Balloon Deacutecor2501 Pottston RdFredericksburg VA 22408(540) 361-4742mooresweetsandballoonscom
Kimberly BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267kimbohnmovementcom
Nick BohnMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 379-1502nickbohneverbankcom
Heather FryeMovement Mortgage302 Westwood Office PkFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Heather D FryeMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267heatherfryemovementmortgagecom
Michael LeeMovement Mortgage7851 Dolleyrsquos Ct Ste 13King George VA 22485(540) 645-6262michaelleemovementcom
Melissa L SimpsonMovement Mortgage1125 Jefferson Davis HwyFredericksburg VA 22401(540) 645-6267melissasimpsonmovementmortgagecom
Charlie LeonardMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828charlieleonardmovementcom
Scott LivingstonMovement Mortgage ldquoPremier Service Teamrdquo302 Westwood Office ParkFredericksburg VA 22401(540) 809-4828scottlivingstonmovementcom
Sue PinderMRIS8615 Commerce DrEaston MD 21601(888) 838-4234suepindermrisnet
Yvette NageotteNageotte Nageotte amp Nageotte PC385 Garrisonville Rd Suite 201Stafford VA 22554(540) 659-5050yvettenageottenageottelawfirmcom
Melanie ParkerNavy Federal Credit Union12851 Worldgate DrHerndon VA 20170(540) 785-3565melanie_parkernavyfederalorg
Stephanie LylesNSWC Federal Credit Union2004 Augustine AveFredericksburg VA 22401(540) 361-2212StephanieLylesnswcfcuorg
Joel P WebberOld Dominion Home Inspection Services140 Embrey Mill RdStafford VA 22554(540) 847-4581olddominionhisyahoocom
Jack BroomePerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571Jbroomepermatreatcom
Joe WilsonPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571jwilsonpermatreatcom
Troy WolfreyPerma Treat Pest Control505 Lafayette BlvdFredericksburg VA 22401(540) 370-4571twolfreypermatreatcom
Jason FinesPest NowPO Box 2210Ashburn VA 20146(703) 404-1921jasonlfinesgmailcom
Jeffrey R HuberPest Now2227 Country RdBeaverdam VA 23015(540) 498-6829jhuberpestnowcom
Ronald Gary PigeonProfessional Inspection Services LLC123 Autumn DrStafford VA 22556(540) 841-1904proinspectionsvcsgmailcom
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
55
Linda D SchoultheisRoad Runner AppraisalPO Box 5461Fredericksburg VA 22403(540) 752-8159RRAPPRAISALVAgmailcom
Erin PittsShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235epittsshaheenlawcom
Austin WallaceShaheen Law Firm PC3920 Plank Rd 220Fredericksburg VA 22407(540) 548-1235austinwallaceshaheenlawcom
Carrie FinchamSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060(540) 718-0849carriefinchamspmccom
Lex SheriffSierra Pacific Mortgage4112 B Innslake DRGlen Allen VA 23060804-366-1494lexsheriffspmccom
Kim MouldsSmooth Transitions Fredericksburg LLC9804 Danford StFredericksburg VA 22407(540) 847-2131kim
smoothtransitionsfredericksburgcomSommer CantuSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501scantustatitlecom
Lynn DeSenaSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501ldesenastatitlecom Sonia KuppertSTA Title amp Escrow101 Westwood Office ParkFredericksburg VA 22401(540) 368-5501soniastatitlecom
Lisa AgniStonewall Title amp Escrow Inc9300 Grant Avenue Suite 102Manassas VA 20110(703) 330-8047lagnistonewalltitlecom
Lindsey SharpeThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044lsharpefreelancestarcom
Bill SmithThe Free Lance Star616 Amelia StFredericksburg VA 22401(540) 368-5044bsmithfreelancestarcom
Sally SheaThe Title Professionals LLC1010 Charles StFredericksburg Virginia 22401(540) 310-4804sallythetitleprofessionalscom
Mark A SteeleThe Title Professionals LLC1010 Charles StreetFredericksburg VA 22401(540) 310-4804markthetitleprofessionalscom
Fred ElfleinTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035FElfleinTWMortgagecom
Glen LanfordTidewater Mortgage Services Inc904 Princess Anne St Ste 202Fredericksburg VA 22401(540) 847-5035GLanfordTWMortgagecom
Eric RuckTrue IT Services LLCPO Box 693Fredericksburg VA 22403(540) 373-8440erucktrueitscom
Lynn BlattUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-370-4588lynnblattbankatunioncom
Representatives of FAAR meeting with Congressman Rob Wittman in the board room
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Affiliate Directory by company alphabetically Gail CarrUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408804-513-9351gailcarrbankatunioncom
Ruston CowperUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 842-8642rustoncowperbankatunioncom
Jim MartinoUnion Mortgage Group4805 Lassen LnFredericksburg VA 22408(540) 735-2977jimmartinobankatunioncom
56
Managing Brokers Network meets to discuss legal news upcoming events and broker-related business
Your goal is to turn buyers into homeowners Our goal is to provide financing to make that happen We provide a wide array of products and programs So no matter what your clientrsquos home buying goals we can help you by providing financing options to meet nearly any homebuyer need middot Purchase loans including FHA and VA programs middot Mortgages for high-end purchases middot Investment property financing middot New construction middot Mortgage options with built-in renovation financing
No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage
Wersquore ready to help you put buyers into homes Contact us today
Dedicated to helping you put buyers into homes
Information is accurate as of date of printing and is subject to change without notice Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA copy 2014 Wells Fargo Bank NA All rights reserved NMLSR ID 399801 AS1842479 Expires 052016
Wells Fargo Home Mortgage3447 Fall Hill Ave Fredericksburg VA 22401Office 540-785-3301wwwwfhmcomfredericksburg-builderva
Trim Size4875 x 45
Sherrie S ShawUniversal Title923 Maple Grove DrFredericksburg VA 22407(540) 226-0769sherrieuniversaltitlecom
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
57
Emily VenturaVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150
Amy VernamVernam amp Ventura Financial406 Amelia StFredericksburg VA 22401(540) 373-2150amyvernamandventurafinancialcom
Terrence W BeltzVirginia Housing Development Authority601 S Belvidere StRichmond VA 23220(804) 343-5747bm10howegmailcom
Brian BrooksWells Fargo Home Mortgage3447 Fall Hill AveFredericksburg VA 22401(540) 785-3301brianbrookswellsfargocom
Members enjoy connecting with each other at the Halloween Mixer
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
Your Satisfaction with our Service is Guaranteed
wwwmbhcom
1956 William Street Fredericksburg VA 22401
540373-1300 Manager Phillip Blake
pblakembhcom wwwfacebookcommbhfred
9 Center Street 105 Stafford VA 22556
540658-0992 Manager Kathy Tate
ktatembhcom
ldquoFantastic I always have smooth
settlements and happy clientsrdquo
Top 10 REALTORregSafety Tips 1 When meeting people for the first time always have them meet you at your office prior to taking or meeting them at a property
2 Introduce people you donrsquot feel comfortable with to one other person at your office (witness)
3 Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)
4 Make a photocopy of their driverrsquos license an drecord their license plate number and vehicle description as well
5 Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you or you call them when you are finished
6 Make sure you have 9-1-1 in speed dial on your cell phone an ICE (in case of emergency) within your contacts and turn on the ldquolocaterdquo feature of your phone as well
7 Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation
8 Never ride in someone elsersquos vehicle Drive your own vehicle or have them follow you separately
9 Do not meet strange people alone at vacant properties Tell them you are bringing a partner and always take a partner if you donrsquot feel good about the situation and or people
10 Trust your gut instinct as it is right 85 of the time
58
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
59
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website
60
2016 Affiliate Marketing Partners
Gold
Sapphire
Ruby
Emerald
Diamond
FAAR commends its 2016 Affiliate Marketing Partners for committing to support the associationrsquos REALTORreg members For quality real estate related services contact any of the AMP partners listed below
Click on a logo to visit their website