Embrace Home Loans Celebrates 30 Years of Giving Back

Embrace Home Loans employees celebrated the companys 30th year in business by getting out into the community and giving back. Each year, the company anniversary holds special meaning to the teammates of Embrace Home Loans. During the week of May 13, each department took time out of their work day to volunteer for a local organization. Melissa Rodrigues, a Processor at Embrace, and her team volunteered at the local VA hospital, spending time with the veterans, talking with them, taking them for walks, playing Bingo. She commented on her experience, When we were leaving, I told the woman that it was a pleasure to meet her and spend time with her. Her face lit up like a Christmas tree and she said, it was? She thanked us for taking her for her walk. I think its great that we take one day out of our busy lives to help out in someone elses! Oliver Palmer, Loan Officer at Embrace, talked about his experience, It feels really rewarding to help. We went over to Boys Town in Portsmouth and helped sand and paint the benches and table around the property. They were very appreciative and it always feels good to help out.

Courtney Hinton, an Underwriter in our Maitland Florida office noted, We packed food boxes at the local food bank and it felt great to get to give back and actually see firsthand what it can mean when a team of people comes together to help out those in need. We picked a great place. They were very appreciative of our time. I know several of my teammates were talking about trying to go back and get our loved ones involved too.

In celebration of the companys 30th anniversary, Embrace Home Loans employees volunteered over 1500 man hours to the following organizations:

• Cleaning the barns at the Loudon Therapeutic Riding Stables in Leesburg, VA
• Repairing fence and painting the Gingerella Sports Complex in Westerly, RI
• Bathing the animals up for adoption at the Central Virginia Mega Adoption event
• Picking up litter at Miantonomi Park and Kings Park in Newport, RI
• Painting and mulching at a Sandy Spring Youth Home for Boys in Sandy Spring, MD
• Plating shrubs at the Norman Bird Sanctuary in Middletown, RI
• Sorting donations at the Second Harvest Food Bank of Central Florida
• Cleaning up and painting the Forever Paws Animal Shelter in Fall River, MA
• Helping the South West Virginia Feed America food drive
• Painting the Methodist Community Gardens soup kitchen greenhouse in Middletown, RI
• Cleaning-up the Catoctin Mountain Highway in Frederick, MD
• Helping prepare for the St. Stanislaus Schools Festival in Fall River, MA
• Color Run color throwers for the Cool Kids Campaign in Baltimore, MD
• Yard work for a woman battling cancer in Jamestown, RI
• Stocking the Delaware Food Bank
• Spending time with the veterans at the VA Hospital in Bristol, RI
• Helping with the animals at Blackacre Historic Homestead in Louisville, KY
• Yard work and stocking the food pantry at Salvation Army in Newport, RI
• Painting and coordinating students field day at an inner city school in Baltimore, MD
• Landscaping at The Healing Co-op in Middletown, RI
• Repair work and yard clean-up at Prince Georges County Christmas in April in Annapolis, MD
• Painting the church hall and soup kitchen at St. Joseph Church in Newport, RI
• Cleaning up before summer arrivals at Lions Camp Merrick in MD and Camp Watchaug in RI
• Preparing for the Sheep & Fiber Festival at Coggeshall Farm in Bristol, RI
• Unloading and sorting flower baskets for Newport in Bloom, Newport, RI
• Gardening and clearing a hiking path at the Boys Town in Portsmouth, RI
• Cleaning up the waterfront at 1st Beach, 2nd Beach, 3rd Beach, Colt State Park, East Providence Town Beach, Portsmouth Beach, and Sachuest Point in RI

About Embrace Home Loans:

Embrace Home Loans has been helping homeowners with their mortgage financing needs for 30 years. Embrace, headquartered in Newport, RI, operates nationwide and helps tens of thousands of customers every year. Embrace is a direct lender for Fannie Mae and Freddie Mac, approved by FHA and VA, and is an issuer for Ginnie Mae. Embrace is a member of the Mortgage Bankers Association, is an Equal Housing Lender, and is an accredited member of the Better Business Bureau. To learn more about Embrace Home Loans, visit http://www.embracehomeloans.com

Media Contact:
Tim Coutis, Creative Director
(800) 333-3004 - Ext. 3485 tcoutis(at)embracehomeloans(dot)com

More information you can also find on website: Loans

News source: PRWeb

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Embrace Home Loans Celebrates 30 Years of Giving Back

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Northern Virginia Realtor Announces Online Property Evaluation and Home Value Estimating Service

Homeowners frequently ask the question, What is the value of my home? To address this, Linton Hall Realtors in Northern Virginia is pleased to announce their newest program. This service is designed to estimate the current market value of a property by utilizing a comparative market analysis.

The information provided in this report will include properties currently available in a designated neighborhood, properties under contract agreement, and recent sales. With this current market data, users will be able to determine what their property will likely sell for in todays market. For people looking to buy or sell a home this year, this information is very important. Even if users are not planning on moving, knowing the current value of their home can be an important in regards to their investment.

Having an understanding of how much your home is worth is a valuable tool, states Ashley Leigh, owner of Linton Hall, Realtors, We wanted to make the process as simple as possible so we designed the Online Property Evaluation service.

A property evaluation is key to understanding what a home is valued at and will help make the decision when considering whether or not to sell, how to price the property, and if the property is retaining its value. Understanding what drives home values is equally as important. There are many influential factors, such as the surrounding community and neighborhood, schools, and transportation. Other key players are economic and demographic changes, and also disasters. Each of these factors are important to consider when estimating the value of a home.

About Linton Hall, Realtors
Linton Hall, Realtors buys and sells homes in Bristow, VA and all of western prince William County. The Linton Hall, Realtors Mission is to serve clients with distinction, grow their business with passion, and live their lives with balance. They pledge to all clients to provide unsurpassed service, never forgetting that the truthfulness, loyalty, understanding, accountability and creativity that set them apart are daily responsibilities. Linton Hall, Realtors transactions have already passed the $2 billion mark. The Linton Hall, Realtors team is already dominant in Prince William County, in Gainesville, Haymarket, Bristow, Manassas and Woodbridge, and can also help sell, buy or rent in Fairfax, Loudoun, Fauquier, Stafford and other surrounding counties. For more information, please visit: http://www.lintonhallrealtors.com.

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This technology is the next big step in the evolution, said Steve Ormonde, co-founder of Focus 360, who will be giving demonstrations at booth #614 at PCBC. Focus 360 NEXT effectively moves all of the builders community data and assets from the kiosk to the iPad. Since you do not need an Internet connection to run it, sales reps are no longer tied to the sales office. They are truly mobile now, and can take their presentation materials with them while they show buyers around the community.

With Focus 360 NEXT, sales reps can demonstrate what a floorplan would look like if a den was converted to a bedroom, or help buyers choose the perfect site by filtering out the construction phase and elevation styleall while on the go. There is also a vicinity map, which allows buyers to see what amenities are nearby in the community. (They can even plug in their work address and calculate the drive time.) Other noteworthy features include integrated CRM and social media sharing.

The great thing about cloud-supported software is that it allows the app to run faster, with no Web page loading time, and generates updates automaticallyso users will always have the most current information, added Ormonde.

Multiple communities throughout California and Arizona are already using Focus 360 NEXT with great results. Dana Spencer, a regional sales coach and designated broker with Woodside Homes, said the iPad app has made it especially easy for buyers to visualize different floorplan options at the builders Lyons Gate community in Gilbert, Ariz. Woodside Homes will also be unveiling it at an upcoming community in Mesa, Ariz.

We live in a technologically savvy world, and most of our prospects coming in the door have already shopped online and are familiar with the communityso the iPad app makes a big impression on them, said Spencer. It tells them something about the builder, because were using the most up-to-date technology.

Over the next few months, an additional 18 communities will be integrating Focus 360 NEXT into their sales programs. Several new features, including a virtual finishes program, are also in the works for Focus 360 NEXT 2.0. For further information, log onto focus360next.com.

About Focus 360

Focus 360 is a Laguna Niguel-based firm that specializes in creating advanced digital visualization tools for the real estate industry. Since 1989, Focus 360's team of artists, architects, animators and programmers have been creating state of the art sales office software and award winning photorealistic renderings and 3D animations for residential, commercial, and mixed use developments. The combined experience and talent of Focus 360 founders, Steve Ormonde and Brent Chase, has catapulted Focus 360 into the top tier of architectural visualization companies worldwide. For more information, log onto http://www.focus360.com.

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Cellular Sales, the nations largest Verizon premium wireless retailer, recently announced the grand opening of a new store in the King of Prussia Mall at 160 N Gulph Road in King of Prussia. The King of Prussia store marks the 25th Cellular Sales location in Pennsylvania.

Over the past few years, weve seen tremendous growth, both in Pennsylvania and nationwide, said Buddy Lucas, regional director at Cellular Sales. Our sales force is focused on providing an excellent customer experience, answering technical questions and offering the best value possible. Our rapid growth in Pennsylvania indicates that this customer-centric approach is working.

Cellular Sales was founded in Knoxville, Tenn., 20 years ago and has been named by Inc. Magazine as one of the nations fastest-growing privately owned retailers for the past five years. The company operates more than 560 stores with more than 4,500 employees, nationwide.

According to Nielsen reports, the majority of Americans who own a mobile device own a smartphone. As these handsets become increasingly complex, educating each individual on the capabilities of different smartphones and tablets becomes more important. To that point, Cellular Sales is dedicated to providing a one-on-one customer service experience.

We make it a point to slow down the sales process, so that each individual gets the information they need in order to find the right product for them, Lucas said. This helps us achieve our goal of making each one of our customers a customer for life.

For more information about the Cellular Sales new Verizon Wireless store in King of Prussia Mall, visit cellularsales.com.

About Cellular Sales

Cellular Sales, based in Knoxville, Tenn., is the nations largest Verizon premium wireless retailer. For more information about the new Cellular Sales Verizon Wireless store in King of Prussia Mall, call Buddy Lucas at 215-435-6293. Job seekers may visit the Cellular Sales employment page to search current openings at the King of Prussia location. For more information on the company, visit cellularsales.com.

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LoanLove.com recently released a guide for those seeking to find the best interest rates 2013 has to offer. This new article covers the basics of how to determine the best time to lock in a rate, which is very important information for those who are seeking the best rate for their home purchase loan or who are planning to refinance their current mortgage.

In keeping with Loan Loves goal of providing information in an easy to understand and entertaining way, this article gives tips on predicting interest rates in way that will be useful to the average home owner. The information provided, while detailed and complete, is explained in plain English so that those who would like to learn how to judge which way interest rates will turn do not need to be mortgage experts or understand a lot of industry speak. Loan Loves mission is simple: to help home owners to find loans that they will love. In keeping with this mission they have provided this information in a way that is accessible to all.

So, will interest rates go up or down? LoanLove.coms new article looks at the three biggest indicators which industry experts use to help evaluate the economy. These indicators can give consumers a fairly good idea of whether interest rates are going to rise or fall and that can be very valuable information to anyone interested in buying or refinancing a home. However, when news about these indicators is shown on TV or online, most home owners will miss the opportunity to utilize the information, simply because they feel it is over their head and too complicated for them to make use of. This is simply not true.

The three economic indicators that LoanLove.com covers in this article are:

GDP Gross Domestic Profit

Released four times a year, the GDP reflects the dollar amount of all the goods and services that were produced and sold by companies located in the U.S. during the preceding quarter. An upturn in this area will often cause interest rates to rise, while the opposite will often mean a drop in interest rates.

CPI Consumer Price Index

This is one of the primary indicators of inflation, which will usually mean higher interest rates. To determine the CPI, analysts look at the price of thousands of products within the last month to determine how those prices have shifted. When the CPI is high or theres an overall increasing trend in the CPI, thats considered an inflationary indicator, which can cause interest rates to rise. A decreased trend in this area will usually cause the opposite effect.

Payroll Employment

This indicator offers data on overall employment, hours worked and earnings. Like the other two indicators, high monthly increases or an increasing trend are considered inflationary, and can cause interest rates to rise; lower numbers often indicate a drop in rates.

To read the full Loan Love article and find out more about these interest rate indicators and how home owners can use this information to find the best interest rates in 2013, click here.

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Bankruptcy in Oregon: Which personal bankruptcy plan is right for you?

The economic crisis and burst of the real estate market of a few years ago is still being felt by many people in Portland and across the United States. While things are starting to calm down, homeowners and others may still be struggling to manage their debt. One way to obtain financial relief is to file for bankruptcy.

Personal bankruptcy options

When it comes to personal bankruptcy, there are generally two options to choose from: Chapter 7 bankruptcy and Chapter 13 bankruptcy.

People without consistent income may want to consider Chapter 7 bankruptcy protection in which the filer's assets and property is sold to settle outstanding debts. Chapter 7 puts creditors on notice that the property owner intends to sell assets and property in an effort to pay them. A person called a trustee is given control over the property that is to be sold and tries to sell it for as much money as possible. Chapter 7 bankruptcy helps people eliminate debt that is unsecured, such as credit card debt. In addition, a person who files Chapter 7 may benefit from property exemptions thereby protecting some property, such as a home or car, from liquidation.

A Chapter 13 bankruptcy is usually filed when a person has regular income and wants to keep secured property, such as a home. One of the biggest advantages is that it can protect a home from being foreclosed upon. In a Chapter 13 bankruptcy the filer pays debts over a three-to-five year time period. The trustee, assigned by the court, handles the financial matters of the person or couple filing, paying off bills as soon as possible, making payments on mortgages and paying down balances on unsecured debt. At the end of the payment period, any unsecured debt is discharged and secured property may be able to be kept if payments are current.

Protecting what is important

People often believe that they have to try to sell off everything after they file for bankruptcy but that is not always true. The purpose of bankruptcy is to deal with creditors while also providing a fresh financial start for the person. For example, a person who files can often protect their retirement plans, investments and personal property, giving a filer a chance to rebuild their financial wealth.

This means that a person may keep financial assets and personal items after the bankruptcy process has concluded. However, what people planning to file for bankruptcy want to avoid is appearing to hide valuable property. Filers should be upfront and honest when asked to provide an inventory of items they own such as:
- Expensive jewelry
- Vehicles
- Secondary homes, land
- Valuable art pieces
- Recreational vehicles (boats, planes, motorhomes)
- Guns

Choosing a bankruptcy plan

When choosing a bankruptcy protection option, it is important to evaluate the negatives and the positives that each plan provides. For instance, under Chapter 13 protection, a homeowner may be able to keep their home, but they still need to be able to make payments on the mortgage. In addition, if a Chapter 13 filer experiences hardship and can no longer meet the repayment terms of the Chapter 13 plan, the bankruptcy may be able to be changed to Chapter 7 liquidation plan.

For people considering bankruptcy in Washington County, contact an experienced bankruptcy attorney to understand if bankruptcy is the right choice for you and what type of bankruptcy is best.

Article provided by The Law Offices of Alexzander C. J. Adams, P.C.
Visit us at www.portlandbk.com

Contact Information: FL Web Advantage


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