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I was looking through my old post and found this one that I posted in December 2007--I could have written it this morning!
Dear Santa,
Thank you for taking the time to read my letter. I am sure you are very busy checking and rechecking lists. 
You know I am a real estate agent and that this has been a challenging year for those of us in this business. I am sure you have read in the paper and heard on tv and radio about the decline in sales in the housing market and all the problems in the lending industry.
It's true, sales are off in most areas and there are people having trouble making their mortgage payments. However, there are still buyers out there who understand the market is ripe for those ready to buy and for this we are thankful.
So, what should a real estate agent experiencing a slow market put on her Christmas list? For me, it is simple because you see I am very blessed. I have
Dear Santa, my wish may not be as simple as some but if there is anything you can do to help me, I would surely appreciate it. My wish is that
All agents and consumers have FAITH and HOPE in themselves, each other, our market and our country.
You see Santa, I believe that with faith and hope we will work through this challenging time and come out more educated, better prepared, more compassionate and ready to work and help our clients in a way that will best serve their needs.
Santa, if you were planning to bring me those beautiful, black leather Jimmy Choo boots that I saw and admired last month, please don't...there must be a woman somewhere who needs boots more than I.
My closet is filled to the brim, I really don't need any more "stuff". Thank you and Merry Christmas, Santa.
Cynthia Tilghman, Realtor, Onslow County Home Specialist 910 459 9189 Email Me
Kingsbridge Realty, Inc
We take pride in assisting Military Families locate a home in Onslow County when relocating to Camp Lejeune North Carolina
Area expert for homes in Hubert North Carolina
Disclaimer: The opinions expressed by The Activerain Network and it's members and those providing comments are theirs alone. They do not reflect or express the opinions of Cynthia Tilghman and Kingsbridge Realty, Inc. Cynthia Tilghman and Kingsbridge Realty, Inc. are not responsible for the accuracy and/or content provided by ActiveRain and its Members..
Graphic courtesy of ClipArt Heaven
If you have been reading my blogs, you know that I live and work in Onslow County North Carolina home of Camp LeJeune Marine Base, New River Air Station and The Naval Hospital at Camp LeJeune all located in Jacksonville NC. 
Military families are my clients, friends, co-workers and neighbors. I cannot begin to tell you how much respect and gratitude I ![]() have for these families and their service to our country. They sacrifice their lives for you and me!
If you ask most Americans if they support the troops, their answer would be "Yes". I believe that is true in spirit but what do you (and most Americans) do to show their support? Sadly, the answer is "NOTHING". I urge you to take the few minutes it takes to send a thank you to military personnel serving overseas.
Xerox provides the card and instructions. It's quick, easy and so appreciated by our Troops. The site is "Let's Say Thanks".
Now go, do it! Oh and one more thing you can do --- pray for our troops safe return.
Cynthia Tilghman, Realtor, Onslow County Home Specialist 910 459 9189 Email Me
Kingsbridge Realty, Inc., Making Houses Homes
We take pride in assisting Military Families locate a home in Onslow County when relocating to Camp Lejeune North Carolina
Area expert for homes in Hubert North Carolina
Camp LeJeune Families, take note--this is important and exciting new for you. Via Cindy Jones-Northern Virginia Real Estate & Military Relocation Services (RE/MAX Allegiance #1 RE/MAX Company in the World):
 With all of the hoopla surrounding the extension of the first time homebuyers tax credit as part of the "Unemployment Compensation Act of 2009" a small portion of the bill was overlooked.
Perhaps if you don't work with military families or aren't in a community that has faced a decline in home values you might not even known that H.R. 3548 saved military families who are using the expanded Department of Defense Homeowners Assistance Program (HAP) a 25% up front tax penality when they sold their home.
For some families this has meant the difference from being able to take advantage of the benefits of the Department of Defense program or not. A 25% upfront tax penality is not money that all military families have lying around just waiting to give to give up. The other great news is that HAP files are processing and checks are being issued. Two of the homes that I have under contract for Northern Virginia military families eligible for HAP are on to the final stages of processing.
The other great news is that this bill also extended until November 30, 2010 the opportunity for military families who have been stationed overseas for at least 3 months in 2009 the chance to take advantage of the first time home buyers tax credit.
Thanks to Congress for understanding the need to provide a way for those who serve our country to be able to make their next PCS move a bit less financially stressful.
If you are a military family living in the Northern Virginia area and are eligible for the expanded HAP benefits give me a call at 703-346-2213. I've been working with families in your situation this year and can help you navigate the process of understanding the Department of Defense HAP benefits and getting your home sold in our current market.
Are you aware that under current law those serving in the military who buy their first home are not likely to be able  to use the first time home buyers credit?
I work with military families relocating to Camp LeJeune, New River Air Station and The Naval Hospital at Camp LeJeune in Jacksonville, N C and this has been such a disappointment to these families.
Most military are only at a duty station for a short period of time and must sell the house they have purchased before the 36 month requirement in the current law is fulfilled--which means they are not eligible for the tax credit.
Finally, someone is looking out for our service men and women.
Our own North Carolina Representative, Walter B. Jones introduced language earlier in the year that has been written into the new law that would allow military personnel to retain the first time home buyer's credit if they need to sell their home within the first 36 months due to deployment or transfers.
Thanks Rep. Walter Jones for looking out for our military families!
Cynthia Tilghman, Realtor, Onslow County Home Specialist 910 459 9189 Email Me
Kingsbridge Realty, Inc., Making Houses Homes
We take pride in assisting Military Families locate a home in Onslow County when relocating to Camp Lejeune North Carolina
Area expert for homes in Hubert North Carolina
Search the Jacksonville NC MLS
According to various news reports, the Congress has reached a tentative agreement to extend and perhaps expand the $8,000 tax credit.
The details reported:
1. The $8,000 tax credit extension would cover first-time home buyers who sign a contract for a home by the end of April and close by the end of June.
2. Create a $6,500 tax credit for those who buy a home, but have owned a home for at least five consecutive years out of the past eight years.
3. The income limit would be raised to $125,000 a year for individuals and $225,000 for married couples.
All is contigent on the approval House and signed by the President.
For more information:
Senate Likely to Extend Tax Credit
Capitol Briefing -Senate Passes Bill to Extend Tax Credit
If you have been waiting or thought you had missed the boat -- it looks like you have a second chance.
Call me and let's get the ball rolling for your new home in Hubert, Swansboro, Jacksonville in Onslow County NC.
Cynthia Tilghman, Realtor, Onslow County Home Specialist 910 459 9189 Email Me
Kingsbridge Realty, Inc., Making Houses Homes
We take pride in assisting Military Families locate a home in Onslow County when relocating to Camp Lejeune North Carolina
Area expert for homes in Hubert North Carolina
Search the Jacksonville NC MLS
October may be all about ghosts, goblins and pumpkins to some in Onslow County NC, but to many residents living in Hubert, Swansboro, Jacksonville or stationed at Camp LeJeune Marine base; it's all about the fabulous fall fishing! The fishing is at its best in the Fall. The water has cooled down and the fish are heading back to the inshore waters all along the coast of North Carolina.
The Fisherman's Post is a great website that concentrates on local fishing and offers advice/tips for the novice and pro fishermen
- Where to find the best fishing spots
- The best time of day to fish
- What kind of fish one can expect to catch
- Calendar of Local Tournaments and Events
What about the weather you may ask? The answer is "PERFECTION"
So, grab your rod and reel, pick up some bait and head on down to Onslow County NC --the fish are biting and the weather is beautiful.
Once you get here, I know you will want to stay-- everybody does. Give me a call and I'll help you find the perfect home!
Cynthia Tilghman, Realtor, Onslow County Home Specialist 910 459 9189 Email Me
Kingsbridge Realty, Inc., Making Houses Homes
We take pride in assisting Military Families locate a home in Onslow County when relocating to Camp Lejeune North Carolina
Area expert for homes in Hubert North Carolina
Search the Jacksonville NC MLS
Ok, guys let's all help our AR brother out! Via Matt Stigliano (RE/MAX Access):
photo courtesy of nodomain1
I love blogging.
You may have noticed before, but it's a fact, I love to blog about real estate. It's good for my business, but I actually find it enjoyable too. In that vein, I would like to make it to this year's Blogworld and New Media Expo (including REBlogworld). Of course, these things cost money and there are expenses...blah blah blah. However, Alltop is sponsoring a contest to allow 3 lucky winners to attend this year's event.
I entered, but I need your help. First of all, I misread a rule, which has seriously put me behind the curve. I thought I was doing okay, but realized that the rule was rather specific and I needed to get moving - so I turn to you, the ActiveRain community for help.
The grand prize for the contest is entrance to the conference as well as hotel accommodations. With those two paid for, I can deal with the flights and food for the three days. I need to win this. Imagine how many blogs I'll churn out when I get back with all the new info I've acquired. Think of me as your Blogworld corespondent. I will report back to you - all you have to do is get me to the top! I don't know what it will take to get me there (I don't even know who's in the lead), but with the power of the ActiveRain and Twitter community, I'm willing to bet (Las Vegas - get it?) that I can win this!
Imagine how this will benefit the ActiveRain community as well! Having the power of 160K+ members pushing to help me accomplish this goal will certainly make people think that ActiveRain is the place to be.
Here's what I need:
First, reblog this post if you can. By spreading the word, there will be more opportunity for more people to act upon it. Put it in every category you can think of and make sure everyone of ActiveRain's members see it! I could care less about the points gained from the reblogs, so ActiveRain can pull the points - this is about getting me to Blogworld and REBlogworld.
Second, you need to retweet the information necessary in order for me to be counted. Visit MyAlltop page and at the bottom you will see a "retweet" button:
Click the retweet button. Click it whenever you have a few free seconds. Tell your friends to click it. Please don't sit there and click it 100 times in a row. I don't want to get the boot for "stuffing the ballot box." The contest ends at 8:00 am Pacific Time on October 1, 2009, so I need your clicks up until then. Let's get as many as we can and show everyone the power of ActiveRain, get me to Vegas, and let me bring back and share all that I have learned!
Please use the retweet button and have everyone you know retweet it too! This would be huge for me and I appreciate all the help I can get!
All content ©2008-2009 by Matt Stigliano, Realtor® unless otherwise noted.
 Matt Stigliano, Realtor®
RE/MAX Access
(210) 646-HOME
www.RErockstar.com
"Your all access pass to San Antonio real estate."
Connect with me on Twitter and Facebook.
There's more to buying a home than just finding the one that has the right number of bedrooms, is in the neighborhood  of your choice or located near school or work.
Here's four questions you should ask and answer:
- Have you researched the market? Knowing what homes are selling for in the area you want to buy will help you understand and determine what you will have to spend to get the home you want and/or need.
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Do you know how much house you can afford? A mortgage payment should not exceed more than 25% of your gross monthly earnings. Mortgage payments that exceed 1/4 of your income could lead to financial troubles.
- Do you have enough money for a down payment and closing costs? Down payments vary but a safe plan is 20% of the selling price. Closing costs range from 2% to 7%. The exception is a VA loan which requires no downpayment. If you qualify for a VA loan, by all means that is the way to go!
- Is your credit report accurate? Incorrect information on your credit report can cost you more money in higher interest rates. Request reports from the three major national credit bureaus and reports mistakes immediately. Then, follow up and make sure mistakes are corrected.
So, are you ready? If so give me a call and let's get started.
Search the Jacksonville NC MLS
Cynthia Tilghman, Realtor, Onslow County Home Specialist 910 459 9189 Email Me
Kingsbridge Realty, Inc., Making Houses Homes
We take pride in assisting Military Families locate a home in Onslow County when relocating to Camp Lejeune North Carolina
Area expert for homes in Hubert North Carolina
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Cynthia Tilghman, Realtor® Onslow County NC Home Specialist
Hubert,
NC
More about me…
Kingsbridge Realty, Inc
Address: Hubert, North Carolina, 28539
Office Phone: (910) 326-3003
Cell Phone: (910) 459-9189
Email Me
Providing information for those buying or selling real estate in Hubert, Swansboro, Jacksonville, Camp LeJeune and surrounding areas in Onslow County NC. I try to keep you informed of events in Onslow County NC
 Links
- Hubert/Onslow County Schools
- Hubert NC Onslow County Home Search
- MLS Search
- Camp LeJeune Relocation Guide
- Buyers - Hubert, Swansboro, Camp LeJeune, Onslow County NC - Information for Buyers
- Apply for VA Loan
- Want to Know the Value of Your Onslow County, Hubert, Camp LeJeune, Swansboro, Jacksonville NC Home?
- Camp LeJeune Military - Rebates for Buyers & Sellers
- Onslow County, Hubert, Swansboro, Camp LeJeune, Jacksonville Loan Qualification Here
- Real Estate Tips for Buyers & Sellers
- My Blog - Voicing my prospective on Hubert, Camp LeJeune, Swansboro, Jacksonville, Onslow County
- Cynthia Tilghman Hubert, Camp LeJeune, Swansboro, Jacksonville, Onslow County NC New Home Specialist
- Moving To/From Hubert, Camp LeJeune, Swansboro, Jacksonville, Onslow County NC? Helpful Info Here
- Onslow County NC Blog
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and fought for our freedom.
;)
;)
