Greetings Virginia Real Estate Team Client Appreciation Movie Night

Each summer, the Greetings Virginia real estate sales team with Keller Williams Realty team hosts a client appreciation party to acknowledge our past clients, friends, family, and referral partners. Our real estate sales business is largely referral based from our happy past clients that refer us to their friends, families, and co-workers are in the market to Buy a Home, Sell a Home, or Invest in Real Estate.

When you buy a home or sell property with Greetings Virginia, you become a part of our GV Insider’s Club where we become your advocates for life. In addition to inviting you to great events like our annual Movie Night, we will be available to refer any resource to you that you may need in the future. Our extensive connections include close, well vetted relationships with almost any resource that you may ever need. Need a handyman or plumber or a chiropractor or massage therapist? Just pick up the phone and call us and we will introduce you. This is just another way that we provide World-class Solutions to our clients and past clients.

Members of our GV Insider’s Club enjoy invitations to free events such as Movie Night as well as our Christmas Tree Exchange and Toy Donation. In addition, we also support unwanted, abandoned, abused, or stray pets to be rescued and placed into loving homes by helping Homeward Trails Animal Rescue.


Check out a few photos from our last Greetings Virginia client appreciation Movie Night:


Some brought their kids and had loads of fun!

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Your Home Sold in 72 Days Guaranteed

Guaranteed Home Sold in 72 Days – Greetings Virginia Real Estate Sales Network

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While every agent will promise to sell your home, the reality of the real estate market today is that, this simply doesn’t always happen. Needless to say, this is highly frustrating to a home seller like you. Well, we set ourselves apart from most agents by being accountable to you. In other words, we don’t just promise to sell your home, we Guarantee it. Our Sell Your Home in 72 Days campaign is as simple as this:

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Want to know more? Just fill out this short inquiry and we will contact you soon.

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Hensarling compares CFPB to a tyranny

It’s probably safe to say that House Financial Services Committee Chairman Rep. Jeb Hensarling, R-Texas, is no fan of the Consumer Financial Protection Bureau.

Hensarling long targeted the CFPB for reform, and recently, Hensarling upped the ante with the Financial CHOICE Act, the Republican-led effort to repeal and replace Dodd-Frank.

Hensarling is reportedly preparing a new version of the Financial CHOICE Act, which would drastically change how the CFPB operates.

And as Hensarling told the Dallas Morning News in a recent interview, he shows good reason to want to change the CFPB.

From the Dallas Morning News:

Rep. Jeb Hensarling figures not one in a thousand Americans has heard of the Consumer Financial Protection Bureau. And so the Dallas Republican wants to leave a first impression for the unacquainted.

“It is the single-most unaccountable and powerful agency in the history of our republic, running afoul of every tenet of separation of powers and checks and balances,” he said.

Never one to mince words, especially about financial regulation supported by the Democrats, Hensarling doesn’t disappoint when it comes to his description of the CFPB.

Again from the Dallas Morning News:

Hensarling says he wants to protect consumers not just from Wall Street, but also from “Washington elites.” He’s worked up efforts to defund the agency that was founded in 2011, oust its largely independent director or dispense with the bureau altogether.

And he has little patience for Democrats who see those moves as nothing short of a wet kiss to big banks.

“What the Democrats were trying to do, for all intents and purposes, was set up a tyranny,” he said in an interview with The Dallas Morning News. “The left essentially wants a benevolent dictator. … It is frankly an affront to basic American tenets of democracy.”

Hensarling is just one of several prominent Republicans who have the CFPB in the crosshairs.

Last week, for example, two of Hensarling’s fellow Texans on Capitol Hill introduced bills to abolish the CFPB entirely.

The bills, introduced by Sen. Ted Cruz, R-Texas, and Rep. John Ratcliffe, R-Texas, would repeal Title X of the Dodd-Frank Wall Street Reform Act, which established the CFPB.

Repealing Title X would completely abolish the CFPB.

For more on Hensarling’s views on the CFPB, click here or below.

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Here are the top 10 states with the highest mortgages rates

Mortgage rates increased drastically after the election of President Donald Trump, then leveled off in the weeks that followed.

But while mortgage rates leveled off, they are still steadily increasing. Data from Bankrate shows 49 states and the District of Columbia all saw an increase in mortgage rates from last week. The only state to break that pattern was Missouri, which remained steady from the previous week at 3.98%.

Mortgage rates are actually creating a pattern all their own, as they have not been following the 10-year Treasury yield, Freddie Mac’s weekly survey pointed out.

And as the 30-year fixed-rate mortgage sees its rates increase, consumers move toward alternative mortgage options such as adjustable-rate mortgages, Ellie Mae’s most recent Origination Insight Report shows.

Goldman Sachs predicts mortgage rates will continue to slowly increase, hitting 5.5% by 2019.

However, for comparison, mortgage rates are still historically low. In 2007, the 30-year fixed-rate mortgage hovered between 6% and 7%.

Here are the top 10 states with the highest 30-year fixed-rate mortgage for the week, using data from Bankrate:

10. Iowa

30-year FRM: 4.09%

This is an increase of 0.09 percentage points from the previous week’s 4%.


9. Maine

30-year FRM: 4.09%

This is an increase of 0.1 percentage point from the previous week’s 3.99%.


8. Nevada

30-year FRM: 4.09%

This is an increase of 0.1 percentage point from the previous week’s 3.99%.

7. Mississippi

30-year FRM: 4.09%

This is an increase of 0.1 percentage point from the previous week’s 3.99%.


6. Utah

30-year FRM: 4.1%

This is an increase of 0.11 percentage points from the previous week’s 3.99%.


5. Alaska

30-year FRM: 4.11%

This is an increase of 0.11 percentage points from the previous week’s 4%.

4. North Dakota

30-year FRM: 4.12%

This is an increase of 0.11 percentage points from the previous week’s 4.01%.

3. Vermont

30-year FRM: 4.13%

This is an increase of 0.11 percentage points from the previous week’s 4.02%.

2. Montana

30-year FRM: 4.16%

This is an increase of 0.13 percentage points from the previous week’s 4.03%.


1. South Dakota

30-year FRM: 4.17%

This is an increase of 0.14 percentage points from the previous week’s 4.03%.


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California home sales start 2017 on a strong note

While winter time usually means a decline in home sales, California just saw its first increase in home sales between December and January since 2012, a sign that the Golden State could be in for a strong housing year.

The data comes courtesy of a new report from the California Association of Realtors, which shows that closed escrow sales of existing, single-family detached homes in California totaled a seasonally adjusted annualized rate of 420,100 units in January.

That’s up 2.1% from the 411,430 level in December 2016, and up 4.4% when compared with home sales in January 2016 of a revised 402,220.

Another positive sign for California is a decrease in median sales price, which might not normally be a harbinger of good things to come in real estate, but in this case, the decline is lower than normal.

According to the CAR report, the median price of an existing, single-family detached California home fell 3.8% from a revised $508,870 in December to $489,580 in January.

That also marked the first time in since March 2016 that California’s median sales price fell below half a million dollars.

But as CAR’s report notes, the decline from December to January is smaller than normal, which indicates health in the market.

“Since 2011, price declines from December to January have usually ranged from -11.7% to as little as -4.6%, but January’s 3.8% monthly smaller price decline suggests that price pressure remains relatively robust and could translate into additional price growth as the spring and summer home-buying seasons near,” CAR’s report states.

CAR President Geoff McIntosh suggests that the high prices in markets like San Francisco is driving buyers to seek lower priced options in nearby cities.

“California’s housing market continues to be defined by the higher-priced, coastal markets and the less expensive, inland areas that still offer access to major employment centers,” McIntosh said.

“For example, eroding affordability and tight housing inventory are pushing buyers away from the core Bay Area markets of San Francisco, San Mateo, and Santa Clara and into less expensive bedroom communities, such as Contra Costa, Napa, and Solano,” McIntosh continued. “In Southern California, an influx of buyers from coastal employment areas into the Inland Empire drove healthy year-over-year sales in Riverside and San Bernardino.”

While the current market conditions look promising for California, CAR’s senior vice president and chief economist, Leslie Appleton-Young, notes that rising interest rates could hamper the state’s housing economy.

“January’s sales increase was likely boosted by rising interest rates, which have risen sharply since the election and have given buyers an incentive to get off the sidelines and close escrow before rates go higher,” Appleton-Young said. “Yet, future anticipated rate hikes will increase the cost of homebuying and could have an adverse effect on affordability and future home sales.” 

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Waterstone Mortgage to ring opening bell at Nasdaq

More than 40 of Waterstone Mortgage Corporation’s personnel will ring the opening bell at Nasdaq on Feb. 21, 2017 as part of a ceremony honoring the company’s top loan originators.

According to Waterstone Mortgage, the company will be ringing the opening bell on behalf of Waterstone Financial, the savings and loan holding company for its parent company, WaterStone Bank.

Participating in the ceremony to open the day’s trading in New York City will be Waterstone Mortgage executives and 40 of the company’s top mortgage originators.

The loan originators that take part in the ceremony are part of the company’s “President’s Club,” which honors the company top originators.

“The Waterstone Mortgage executive team wanted to create a very memorable experience for our President’s Club members, and this seemed like the perfect way to do so,” said Waterstone Mortgage President & CEO Eric Egenhoefer. “Considering their dedication and hard work over the past year, we were eager to share this experience with our top producers – especially in light of our all-time company record of $2.5 billion in loan originations for 2016.” 

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Hawkish Fed official comfortable with raising rates in current economy

Cleveland Federal Reserve President Loretta Mester explained in a speech in Singapore that she would be comfortable raising the federal funds rate if the economy maintains its current pace of performance, according to an article by Masayuki Kitano for Reuters.

Mester is seen as one of the more hawkish Federal Reserve officials, according to the article. She explained the economy is on a sound footing, but cautioned against expecting the central bank to solve problems such as low productivity growth, which she explained is beyond its control.

From the article:

“We did have a temporary oil price shock which held down inflation, we had the dollar appreciation which held down inflation. Those have passed through and the trend in inflation is, it’s moving up,” Mester said during a Q&A session with the audience after her speech at a central banking seminar in Singapore.

“So I’m comfortable that inflation is near its goal and moving toward its goal… I’d be comfortable with an increase in the (federal) funds rate at this point, if the economy keeps going the way it’s going.”

Mester has dissented against decisions to keep rates steady at past meetings, instead preferring a faster pace of rate hikes. On Monday, she urged the Fed to focus on returning to a more normal policy footing, including trimming its $4.5-trillion bond portfolio.

However, Mester didn’t place a timeline on her expectations.

Over the past two years, the Fed raised rates only once each year. However some experts predict 2017 will see a more hawkish Fed as it raises rates several times throughout the year. But then again, experts also predicted 2016 would bring several rate increases.

In fact, Jason Obradovich, New American Funding executive vice president explained to HousingWire that the Fed probably won’t be raising rates as much as it would like.

But while the Federal Open Market Committee unanimously voted to maintain the target range for the federal funds rate at 0.5% to 0.75% during the first meeting of the year, the Mortgage Bankers Association explained at its National Mortgage Servicing Conference in Dallas that the case is strengthening for a March rate hike.

But how to other Fed members feel about raising the federal funds rate this year? We may get more of a sense for their sentiment after the minutes from January’s meeting are released Tuesday.

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