HOME buyer’s guide

when you own:• Yourprincipalandinterestpayments willneverincreaseifyoubuywitha fixedrateloan.• Homeownershipprovidesannualtax deductions,allowingyoutosave moneyeachyear.• Youcanbeascreativeasyoulikewith decorations,color,room arrangements,etc.• Asyoupayyourmortgagedownand thevalueofyourhouseincreases,you experienceequitybuild-up, whichcanbeusedtofinanceother purchasesorsupplementyourincome inthefuture.

when you rent:• Landlordshavetheoptionofincreasingyourrentpaymentsevery timeyourleaseisrenewed.• YougetNOtaxdeductionsorwrite-offs.• Youmusthavethelandlord’spermissiontomakeanychangesto theproperty.• Yourmonthlyrentalpaymentsbelongtothelandlord…andyou havenothingtoshowforyourinvestment!

why buy?Ownership of land and the freedom to live indepen-dently are a cornerstone of our cultural values. For many people, the dream of homeownership repre-sents the culmination of a lifetime of aspirations and an announcement to the world that “I have arrived!”

From a practical standpoint, homeownership brings much more than just a sense of accomplish-ment and pride. There are also some very tangible financial benefits.

HOME buyer’s guide

Fromourhumblebeginningsin1972,wehaveremainedtruetoourmission:tobeTheBestInTheBusiness.Weserveourclientsandcustomersbetterthananyoneelse.

We have grown from amere handful of sales professionals to anetwork of over 650 Realtors®, each committed to providing theutmostinservicetohisorherclients.

Andnow,morethanever,ourfirstcommitmentistoyou.WhenyouchooseaWilliamE.WoodandAssociatesagent,youchoosesomeonewhoispartofastrongteam–ateamboastingmorethan35yearsofrealestateknowledge,ateamwithacommitmenttousethelatesttechnologiestohelpitsclients,andateamthatputsYOU(andyournewhome)first.

WilliamE.Wood andAssociates is proud tobetheBest intheBusiness.AndI,asabuyer’sagentforWilliamE.WoodandAssociates, amproud toserveYOU.

why chooseWilliam E. Wood and Associates?

HOME buyer’s guide

Therearetwopartiesinanyfinancialtransaction:thebuyerandtheseller.Bothpartiesshouldberepresentedinthesale.

Whenyouhaveabuyer’sagentworkingFORyou,youcanbeassuredthatyourinterestscomefirst.

Yousee,ANYrealestateagentcan:• Arrangepropertyshowings• Assistwithfinancing• Provideaccurateinformation• Explainforms,and• Monitorclosingactivities.

But when you are buying that new home, you’ll want someone torepresentonlyyourspecificinterests,to:

• Negotiatepriceandtermsfavorabletoyou.• Giveyouadviceandcounsel.• Objectivelyevaluateproperties,withnoobligationtothe Properties’sellers.• Keepyournegotiatingpositionconfidential.• GiveyoureasonsNOTtobuyaparticularproperty.• Exposeyoutotheentiremarket,includingunlistedproperties.• Writeanofferthatputsyouatanadvantage,and• BeentirelycommittedtoYOU.

Thiscanonlybedonebyabuyer’sagent–hiredtorepresentyourbestinterests.

a buyer’s agent, like me?why use

HOME buyer’s guide

• I will help you determine your financial picture and your buying power.AsaclientofWilliamE.WoodandAssociates,you willhavereadyaccesstoaTowneMortgageloanofficer,whocanhelp youdeterminehowmuchloanyouqualifyfor,projectamonthly mortgagepaymentamountforyoutoconsider,andexplainthevarious loanprogramsthatmayfityourneeds.

• I will use all of the resources available to me to help you find the right home. Initially,Iwillberesearchingactivelylisted propertiestofindtherighthomeforyou.Asyourbuyer’sagent,it’smy jobtoexpandthesearchtoForSaleByOwners,listingsthathave expiredorevenunlistedpropertiesifwedon’tfindtherighthome inthecurrentinventoryoflistedproperties.

• I will assist you in the selection process by making objective information available to you.Onceyouhavenarrowed downthechoices,Iwillmakesureyouhaveaccesstoinformationabout schools,utilities,communityresources,etc.Together,wewillconsider twoveryimportantquestions:1)Doesthepropertyanditssurrounding communityprovideyouandyourfamilywiththeresourcesand amenitiesyouarelookingfor?And2)Basedonhistoricalappreciation rates,isthispropertylikelytoretainapositiveresalevaluewhenyouare readytomoveinthefuture?

• I will help you draft and negotiate the offer to purchase. Writingabidonahomecanbeadauntingprocess,usually encompassingtenormorepagesofcontractuallanguage.Itismyjob, asyourbuyer’sagent,tolistencarefullytoyourneeds,wants,and financialconsiderations…thentoincorporatethatintotheofferto purchase.Oncetheofferissubmittedtotheseller,Iwillberightby yoursidetoassistinnegotiatingcounter-offers…again,keepingyour bestinterestsuppermostinmymind.

• After the bid has been ratified, I will guide you through the rest of the transaction, working hard to see that closing takes place in a timely fashion. Onceyouhaveratifiedacontract topurchase,thereareavarietyofactivitiesthatmustbecompletedin ordertoclosethedeal.Itismyjobtohelpyoucompleteyouractivities inatimelyfashionANDtocheckinwiththeseller’sagenttobe surethatthesellerismovingaheadasagreed.

• As a client of William E. Wood and Associates, the resources of the William E. Wood Service Center are readily available to you.Assistancewithutilityconnections(and disconnections),discountedappliancesfromSears,resourcesfor carpet,paint,flooring,etc.–allareaccessibletoyou.

I will help you through the entire home-buying process.

as your buyer’s agent,

HOME buyer’s guide

centerservice HereatWilliamE.WoodandAssociates,wehaveassembledthefinestteamofrealestateaffiliatesandprovidersofhomeownershipproductsandservicesinthearea.Frominspectionstowarranties,flooringtofinancing,andmovinginormovingout,ourServiceCenterpartnersarecommittedtobeing“TheBestInTheBusiness”.

BuyersandsellersworkingwithWilliamE.WoodandAssociatescan enjoy themanybenefitsofone stop shopping;homewarranties; reputable resources forhomerepairs;movingand storage activities;utility connection information andassistance;andbestofall...thevaluableresourcesofanin-houseServiceCoordinator.

At Your

THESERVICECENTERSM

CallCenter:(757)497-7533Fax:(757)217-0141servicecenter@williamewood.com

HOME buyer’s guide

Putmeonyourteam,andwe’llworktogether.We’lldiscussthetype,size,style,andlocationofthekindofhomeyou’reinterestedinpurchasing.Yousee,IcanshowyouANYhome,regardlessofwhichcompanyhaslisteditforsale.Afterexten-siveresearchonmypart,we’llpreviewtogetherthehomesthatfitintothatcategory.Ifyou’reinterest-edininquiringaboutanyhome,pleaseallowmetomakethecallsforyou.Icanasktherightquestionstomakesurethatit’stherighthomeforyou.

Asyourbuyer’sagent,Iwillhelpyoutoavoidthemostcommonmistakesmadebyhomebuyers.

I will:• Helpyouunderstandthelocalhousingmarketandwhat’savailable.• Screenhousesforyousothatyoustaywithinyourpricerange.• Helpyouunderstandpricingandthevalueofcertainamenities.• Negotiateforyou,sothatyougetthebestpriceonthehomeof yourchoice.• Recommendthatyournewhomehastheappropriateinspections toprotectyou.• Workdiligentlytoensurethecontracttermsarecompletedas negotiatedwiththeseller.

Youwillbenefitfrommyexperienceintherealestatebusiness–atnoup-frontcosttoyou!ANDitispossiblethatthesellerwillpaymost…ormaybeevenallofthebrokeragefeechargedforbuyerrepresentationservices.

I will work hard to help you find just the right new home… and in return, I will appreciate your loyalty to me as your Realtor®.

we are a team.

HOME buyer’s guide

When you are my client, I will …

• Committogivingyoumybesteffortinlocatingtherighthome atthebestpriceandterms.• Keepanythingyoutellmeinthestrictestconfidence.• Guideyouthroughtheentirebuyingprocess.• Beyouradvocate,advisor,andhomebuyingcounselor.• Saveyoutime,energy,andmoney.

All I expect from you, as my client, is that you will…

• Behonestwithme.Ifyoudon’tlikeapropertyihaveselected,tellme so.Themorethatyoucantellmeaboutyourlikesanddislikes,the moreeffectiveoursearchwillbe.• Becandidaboutyourfinances.• Bepreparedtomakeanoffer,shouldwefindtherighthouse• TrustthatIwilldomyprofessionalbestforyou,andgivemeyour loyaltyinreturn.• AllowmetocontactForSaleByOwnerhousesbeforeyoulookatthem, andbesuretoinformotheragentsatopenhousesornewconstruction sitesofourclientrelationshipbeforeyoulookataproperty.

from each other?what can we expect

HOME buyer’s guide

HOME buyer’s guide

1. Your financing comes firstThe first step in the home-buying process is a criti-cal one. We’ll begin by consulting a lending institu-tion to get you pre-approved for your mortgage. This will help us, since

• We’llonlylookathomesinapricerangeyoucanafford.• Yourfinancingispre-arranged,yourbargainingpositionwillbe strengthenedwhenyoumakeyouroffer.• You’llbeabletoclosequicklyoncetherighthouseisfound.• You’lleliminatetheanxietyofwonderingifyoucanreally qualifyforthehouseyouhavefalleninlovewith.• You’llbeinabetterpositionto“win”thehouse,ifanother potentialbuyerwithoutpre-approvedfinancingisalso interested.

Getting you into your new home

step-by-step

HOME buyer’s guide

The choice of the right mortgage company is vital to any homebuyer. William E. Wood and Associates realizes this, and has joined with TowneBank to create a new lending entity, Towne Mortgage. The loan officers with Towne Mortgage are dedicated to making your borrowing process as easy as pos-sible. Here are a few of the advantages that Towne Mortgage and I can provide:

• Preliminarycreditreportsandotherqualifyingfactorstohelpyou lookforonlythosehomesthatyoucanafford.• Answerstogeneralfinancingquestions.• Helpinputtingandkeepingtransactionstogether.• Helpinshoppingforthebestdiscountpointsandconcessions available.• A“pre-approval”letterthatwillstrengthenyourbuyingposition.• Theconvenienceof“one-stopshopping.”• Competitivepricingonavarietyofdifferentmortgageprograms.• Aseamlesstransaction.• Materialstoeducateyouonthehomebuyingprocessandtomake contractnegotiatingeasier.• Updatesonnewprogramsandrates.

HOME buyer’s guide

Please bring this informationto your meeting with your mortgage lender.

For all loans:__Currentpaystubsforthelast30days

__YourW-2statementsforthelasttwoyears

__Bankstatementsforthelasttwomonths,includingall accountinformation(i.e.checking,savings,401K,etc.)

__Federaltaxreturnsforthepasttwoyearsifyouare self-employedorhaverentalproperty

__Year-to-dateprofitandlossstatementsifyouareself- employed(orown25%ormoreofabusiness)

__Names,addresses,accountnumbers,andbalanceson allcreditreferences

__Nameandaddressoflandlord,ifapplicable

__Copyofdivorcedecree,ifapplicable

__Copyofbankruptcypetitionanddischarge,ifapplicable

__Copyofsalescontract

For VA loans, add:__OriginalcertificateofeligibilityorDDform214if discharged;statementofservice,ifactiveduty

__Currentleaveandearningsstatement(LES)

__Copyoforders,ifapplicable

__Nameandaddressofnearestlivingrelative

Fees:

__checkpayabletoTowneMortgagefor$460:

Appraisal:$400

CreditReport:$60

HOME buyer’s guide

2. Make a Wish ListLet’s review your “wish list” before we begin house hunt-ing. What kind of home do you prefer? What amenities should it have? What are your space requirements? What communities interest you?

Basedonyourselections,IwillsearchtheappropriateMultipleListingService(MLS)databasestofindthosepropertiesthatmeetyourneedsandarewithinyourpricerange.Remember,IcanshowyouANYavailablehome,regardlessofwhichcompanyhaslistedit.

Youwillprobablyenjoylookinginthelocalrealestatemagazines,newspaperclassifieds,orontheinternetforhomesthatappealtoyou.Bearinmindthatthebestpropertiesoftengoundercontractveryquicklyandmaynotbeavailablebythetimetheadsarepublished.Remember,adsareoftendesignedtopiqueyourinterest,nottotellyoutheentirestory.Thatisonereasonwhyit’simportantforyoutoCALLME(ratherthantheadvertiser)todosomepreliminaryresearchbeforeyouviewanyproperties.

Iamheretomakesurethatyougetwhatyouwant,aseasilyaspossible.Allofourcompany’slistings,aswellasourgalleryofvirtualtoursandavarietyofusefulhomebuyinginformationcanbefoundatwww.williamewood.com.

(See next page for your dream home “checklist”)

3. View propertiesOnce we’ve determined what you are looking for in a home and in a neighborhood, we’ll visit several properties. I’ll be your guide as we explore options within your price range.

Ifweareluckyenoughtofindtherighthomeinashortamountoftime,youwillneedtobepreparedtowriteaninitialoffer,accompaniedbyanearnestmoneydepositcheck…usually$1,000…thatwillbeappliedtotheexpensesofclosingthedealorthedownpayment.

HOME buyer’s guide

Must Have Would Like to Have

ProPerty tyPeSinglefamily ______ ______

Condo ______ ______

Townhouse ______ ______

Duplex ______ ______

Land ______ ______

SquareFootage ______ ______

YearBuilt ______ ______

Other ______ ______

NeIGHBorHooDGated ______ ______

Pool ______ ______

Tennis ______ ______

Playground ______ ______

Golf ______ ______

SCHooLSPublic ______ ______

Private ______ ______

Elementary ______ ______

MiddleSchool ______ ______

HighSchool ______ ______

StyLeOnestory ______ ______

Twostory ______ ______

Contemporary ______ ______

Colonial ______ ______

Traditional ______ ______

Lot

Large ______ ______

Landscaped ______ ______

Wooded ______ ______

Curb&Gutter ______ ______

Rural ______ ______

Waterfront ______ ______

Fenced ______ ______

Other ______ ______

Must Have Would Like to Have

AMeNItIeS1cargarage ______ ______

2cargarage ______ ______

Carport ______ ______

Ceilingfans ______ ______

Centralvacuum ______ ______

Patio ______ ______

Deck ______ ______

Abovegroundpool ______ ______

Fencedyard ______ ______

Fireplace ______ ______

Woodstove ______ ______

Jettedtub ______ ______

Hottub ______ ______

Securitysystem ______ ______

Storageshed ______ ______

rooMS

Basement ______ ______

Bonusroom ______ ______

Den ______ ______

Foyer ______ ______

Eat-inkitchen ______ ______

Exerciseroom ______ ______

Familyroom ______ ______

Finishedattic ______ ______

Diningroom ______ ______

Greatroom ______ ______

Largebedrooms ______ ______

Largekitchen ______ ______

Largemasterbath ______ ______

Largemastersuite ______ ______

Firstfloorbedroom ______ ______

Loft ______ ______

Playroom ______ ______

Recroom ______ ______

Screenedporch ______ ______

Office ______ ______

Study ______ ______

Sunroom ______ ______

Walk-inclosets ______ ______

Mother-in-lawsuite______ ______

Other ______ ______

Your dream home checklist

HOME buyer’s guide

4. Draft your offer to purchaseWhen we’ve found the right home for you, it’s wise to act quickly! We’ve got your financing arranged, so I’ll help you prepare your offer to the seller. We will complete the paper-work, stating exactly what you are willing to offer regarding price, down payment, deposit, financing, inclusions (such as curtains, appliances, etc.) and we’ll work out all the

other details.

Thetypicalcontractencompassestentotwelvepages.We’llworktogethertocreateit,andI’llexplainallofthemanytermsandconditionsthatwillbepartofyourpurchaseagreement.Ifyouhaveanylegalquestions,wecancontactanattorneytoaddressthoseconcerns.

Onceyouhavesignedyouroffertotheseller,I’llpresentittothelistingagent,paintingyourofferinthebestpossiblelight.I’llcontinuetonegotiateonyourbehalftosaveyoumoneyandtoprotectyourinterests.

Earnest Money:Earnestmoney,or“goodfaithmoney,”isadepositthatyouwillmaketoaccompanyyourofferofpurchase.Itiscustomarilyabout$500or$1,000,dependinguponthesalepriceofthehomeandtheconditionsofthelisting.Yourdepositwillgenerallybecreditedtoyourexpensesatclosingorwillbeappliedtothedownpayment.

Counter offers: Sometimes,thesellerwillrespondwithachangeorwithseveralchanges,dependinguponyourinitialoffer.Thecontractisnotconsideredcompleteuntilbothpartiesagree,anduntileveryoneinitialsallofthechanges.

Multiple offers: Itispossiblethatseveralprospectivebuyerswillmakeanofferonthesameproperty,creatingabiddingsituation.Whenthishappens,itiscriticalthatyouactasquicklyaspossible,bothwhenmakingyourinitialofferandwhenrespondingtocounteroffers.Itisalsoimportanttomakethebestpossibleofferrightfromthestart,andtoconsidertermssuchassettlementdateandrepairs,whichmaybeimportanttotheseller.Iwillcounselyoutohelpyoucraftthemostviablebidpossible.

Onceallpartieshavesignedthecontractandinitialedacceptanceofallofthechanges,theagreementisconsidered“ratified”andthesettlementprocesscanbegin.

HOME buyer’s guide

5. Have the home inspectedAfter we’ve found your new home, and the offer has been successfully negotiated with the seller, it’s important to get the appropriate inspections performed on the property. Many contracts are contingent upon a satisfactory property inspec-tion, conducted by a licensed professional (and not by the seller’s favorite uncle, who used to be a contractor!). Other inspections may also be included in the contract negotiations.

Note: It is important that you negotiate the right to conduct inspections in the contract with the seller and that the inspections you want to have done are clearly specified in the final ratified agreement. As your buyer’s agent, I will assist you in this.

Property Inspections:Ifyourcontracthasincludedthiskindofaninspection,youhavetherighttoinspectthemechanical,electrical,plumbing,andstructuralportionsoftheproperty.Ifrepairsareneeded,youcanrequestthatthesellermakethem,inaccordancewithprovisionsofyourpurchasecontract.

Appraiser’s Inspection: Toprotectbothyouandthelender,thelenderrequiresthatalicensedappraiservisitthepropertyanddetermineitsvalue.Sincethepropertyisbeingusedascollateralforthemortgage,itisimportantthatithavethevalueverifiedbyanobjective,trainedparty.Iftheappraisalcomesinlowerthanexpected,youareundernoobligationtoproceedwiththecontract.Otherpossibleoutcomesinthissituationincludethesellerreducingthepricetotheappraisedvalueoryouandthesellermaynegotiatesomemiddleground.

Termite/Moisture and Other Inspections: Thereareavarietyofinspectionsthatyoumayrequest.Eachisdesignedtoinformyou,thebuyer,abouttheproperty’scondition.Thelenderrequiresatermite/moistureinspectiontoensurethatthereisnoactiveinsectinfestation,nostandingwaterandnounrepaireddamagefrombugsormoisture.Butyoumayalsochoosetohavethepropertyinspectedforthepresenceoflead-basedpaintorlead,oryoumaychoosetohavespecificsystems/featuresinspectedsuchastheexterior,roof,swimmingpool,orfireplace.

Bear in mind that good, professional inspectors earn their living solely from inspection fees and do not perform any corrective or repair work. The William E. Wood Service Center often has preferred partners you may choose from or I can provide a recommendation for you.

HOME buyer’s guide

6. Consider how you will insure your investmentBuying your home is, perhaps, the biggest investment you will make in your lifetime. I can recommend ways to help you protect that investment.

Home Warranty Insurance:YoushouldconsiderprotectingyourinvestmentwithahomewarrantyfromoneofWilliamE.WoodandAssociates’qualifiedhomewarrantyaffiliates.Afteryouhavemadeyourdownpayment,coveredyourclosingexpenses,andpaidforbothyourmoveandalloftheincidentalexpensesassociatedwithbuyinganewhome,thelastthingyouneedisanunexpectedrepairbill.Homewarrantiestypicallyprotectyouagainstrepairorreplacementcostsforcoveredappliancesandsystemsduringthefirstyearofyourhomeownership.Eitherabuyerorasellercanpurchasethewarranty.Icanprovideyouwithanapplicationandacostestimate.

Hazard Insurance (a.k.a. Homeowner’s Insurance):Asaconditiontoobtainingaloanonyourhome,youwillhavetopurchasehazardinsurancethatprotectsyour(andyourlender’s)investmentintheeventthatyourpropertyisdamagedduetoforcessuchasfire,wind,brokenpipes,fallingtreelimbs,etc.Hazardinsurancepolicieswrittenforhomeownerscoveravarietyofothersituationsaswell,suchasdamageyouoryourfamilymayaccidentallydotoanother’sproperty(abaseballthroughaneighbor’swindow)oranyharmthatmaybefallavisitortoyourhome(fallingdownyoursteps).

TheprofessionalsatTowne Insurance representacarefullyselectedgroupoffinanciallysound,reputableinsurancecompanies.Theywillanalyzeyourcompleteinsuranceneedsandwilldesignaprotectionprogramthatwillmeetyourspecialinsuranceandbudgetaryneeds.Fromhomeownerstofloodinsurance,fromautotoboatinsurance,theprofessionalsatTowneInsurancecanhelpyouwiththerightinsurancecoverageforyourhomeandpersonalproperty.

Title Insurance: Whatif,afteryoupurchasethehome,youdiscoverthatthehistoryofitsownershipwasforged,andthatsomeoneelseislayingaclaimtoit?

Fornearlyaquarterofacentury,Heritage TitlehasbeenprovidinginsurancetolendersandtohomeownersintheHamptonRoadsarea.Asoneofthekeypiecesinclosingahomeloan,titleinsuranceprovidesmonetarycoverageintheeventthathistoryofownershiprightstothepropertyareinaccurateorcompromised.AsanaffiliateofWilliamE.WoodandAssociates,HeritageTitleprovidesalevelofservicethatwillpleaseyou,thebuyer.YouwillbeabletorelaxabitmorewhenHeritageTitleisonthejobforyou,knowingthatthetitletoyourfuturehomewillbesearchedearlyintheprocess(ratherthanjustbeforeclosing)sothatanyproblemscanbehandledlongbeforeyoureachthesettlementprocess.

HOME buyer’s guide

7. Do a final “walk-through”Immediately prior to the closing, usually a day or two before settlement, we will go back to the house to satisfy you that the house is in substantially the same condition as it was the day you made your offer. This is not the time to suddenly notice little cosmetic issues, but rather an opportunity for you to be certain that there has been no real physical change to the home and to verify that contracted repairs have been completed.

8. Close on your new homeNow, we’re at the end of the process. We’re going to settle-ment, and we’ll close on the home. After this step, the home will be yours. But you may still have many questions, such as:

Who pays the closing costs and the prepaid items? When are they due?

TheloanofficerorIwillprepareadetailedcostsheetforyouatyourloanpre-qualification,givingyouaspecificideaofwhatyourclosingcostswillbeandatwhichstageoftheprocesstheymustbepaid.Whopayseachoftheseexpensesdependsonyourcontractualagreementwiththesellerandonlenderguidelines.Hereisalistingofsomeofthechargesthatyoucanexpect.Now,morethanever,youcanseehowimportantitistohaveabuyer’sagenttorepresentyouinthisbusyfinancialtransaction.

General Settlement Charges:TitleSearchPreparationofDeedSettlementFeeSurveyRecordingDeedRecordingMortgageState/LocalTaxesFedExchargesDocumentReviewFees(conv.loansonly)

Lender Charges:LoanOriginationFeeCreditReportAppraisalFeeElevationCertificateDiscountPointsTaxServiceFeeVHDAReservationUnderwriter’sFee

Prepaid Items:PrepaidInterestRealEstateTaxesPOAFeesCondoFeesHazardInsuranceFloodInsuranceMortgageIns.(conv.loansonly)

Other:HomeInspection(paidatthetimetheinspectionisperformed)HomeWarrantyInsurancePremium

HOME buyer’s guide

9. Move inThe William E. Wood Service Center can help! At your request, they will contact utility, cable, internet companies, and other service providers to set up service for your new home, to main-tain your home, or even to provide disconnect services as you sell that home. And, as a client of William E. Wood and Associ-ates, you can take advantage of our professional relationship with SEARS®, which will save you money on appliances!

The William E. Wood Service Center is ready to recom-mend only the most trustworthy professionals who deal with homebuyers all the time, and can make your move an easy one.

Just one call does it all:

CableInternetTelephoneUtilitiesHome WarrantiesNewspaper SubscriptionHeating And CoolingAppliancesAttorneysMoversMortgagesPlumbersInsuranceInspectorsFlooringLawn CareTemporary HousingSecurity SystemsSatelliteCleaning ServicesWindow TreatmentsDiscounts On Sears® AppliancesAnd much more!

Call to get connected: (757) 497-7533 or Toll Free (800) 730-0773