Wilmington NC Real Estate & Relocation

Loan Modifications - Free Help

Thu, 21 Jan 2010 15:24:17 -0800

Via Gilbert Arizona Real Estate - Candace Robinson REALTOR® (HomeSmart ):

I've had many calls as of late from prospective sellers/clients and friends wanting more information on what are their options when they are struggling and only weeks away from losing their home!

I have received several calls from frustrated homeowners that are either embarrassed or overwhelmed, angry or all of the above and it appears these emotions have one side effect on them, frozen-itis. Can you blame them?

I know the feeling all too well when things get lean and financially tight I want to crawl under a rug and forget the world is revolving. We all do!

Don't Give Up, There are Options!

There are options for ever situation, depending on where you are at with your finances, hardships and lean days!

Don't give up hope, find the strength to reach out to either some organization or professional, attorney or someone that can guide you in the right direction. The one thing that will hurt or hinder your situation is to hide under a rock as if nothing is wrong. I know this is saying a lot but somehow, someway you have to find the strength! I know this doesn't sound like the best advice and even might contradict your current feelings but reaching out to others you just might find that they understand!

Sometimes Patience Is A Virtue!

I've had clients call me with total frustrations with wanting to give up and not deal with loan modifications and throw their hands up in the air and want to walk away, I say, "hang in there." Just this past month a little gal with her first time home purchase (she bought high two years ago) and was struggling with her mortgage payment rising to an all time high and she was overwhelmed. She had had enough. She kept petitioning to her bank and supplying all that they demanded and it just seemed they weren't listening and she came to me to list her home and hang in the towel.

The day I was going to list her property, the bank that had previously turned her down had agreed to modifiy her loan, her payments almost dropped in half!! I'm so happy for her and appreciate her patience's! I know it wasn't easy for her, but I know there is a brightness around her now! There is HOPE!

Beware of the Bad Ones!

For those of you that are seeking alternatives, please keep in mind there is good and bad in everything! There are foreclosure scammers that want to take advantage of you and hurt you while you are vulnerable and down. Be sure to check all the credentials of any entity that approaches you to help you in her dire situation.

There are attorneys and professionals that are legit and will be able to provide any kind of proof if they are not scammers. Ask around, ask your friends, neighbors if they know of someone that they have worked with. You might find this alarming but I would bet at least every third house in your neighborhood is experiencing the same thing you are.

NID-Housing Counseling Agency

Here is a great article that a local lender, Ted Canto, a Senior Loan Officer with Academy Mortgage shared a great tip for those seeking some kind of help, best of all it's FREE.

There is a HUD Sponsored “Not for Profit” Agency that dedicates their time and efforts to assisting homeowners on their loan modification for “FREE”.

Who, what, where and how?

NID-Housing Counseling Agency (NID-HCA), program is designed to offer the myriad of housing related issues to our clients, nationwide. The function of the agency is to provide housing related counseling to all persons/entities with housing needs, FREE OF CHARGE. The agency is staffed by a network of fully training counselors/real estate professionals with extensive multi-choice knowledge of the real estate industry, in general and within their areas, specifically. The agency also has an extensive referral system for all of your real estate related needs.

They offer counseling to consumers, as well as non-profits, public agencies and faith-based organizations in each of the following areas:

Default/Foreclosure (loss mitigation)

Delinquency/Default Counseling

Predatory Lending Counseling

Be sure to read the entire article by Ted and get the information on how to contact the NID-Housing Counseling Agency and learn more about the program, this might be the right option for you.

LOL Friday! Kids Say the Dardnest Things~

Fri, 15 May 2009 18:10:07 -0700

If you need a laugh, then read through these Children's Science Exam Answers:

Q: Name the four seasons.

A: Salt, pepper, mustard and vinegar.

Q: Explain one of the processes by which water can be made safe to Drink.

A: Flirtation makes water safe to drink because it removes large pollutants like grit, sand, dead sheep and canoeists.

Q: How is dew formed?

A: The sun shines down on the leaves and makes them perspire.

Q: How can you delay milk turning sour?

A: Keep it in the cow.

Q: What causes the tides in the oceans?

A: The tides are a fight between the Earth and the Moon. All water tends to flow towards the moon, because there is no water on the moon, and nature hates a vacuum. I forget where the sun joins in this fight.

Q: What are steroids?

A: Things for keeping carpets still on the stairs.

Q: What happens to your body as you age?

A: When you get old, so do your bowels and you get intercontinental.

Q: Name a major disease associated with cigarettes.

A: Premature death.

Q: How are the main parts of the body categorized? (e.G., abdomen.)

A: The body is consisted into three parts - the brainium, the borax And the abdominal cavity. The brainium contains the brain; the borax Contains the heart and lungs, and the abdominal cavity contains the five Bowels A,E, I, O, and U.

Q: What is the fibula?

A: A small lie.

Q: What does "varicose" mean? "

A: Nearby.

Q: Give the meaning of the term "Caesarean Section."

A: The Caesarean Section is a district in Rome.

Q: What does the word " benign" mean?'

A: Benign is what you will be after you be after eight.

Citi using Taxpayer Bailout Funds to deny Loan Mods and Foreclose on Cooperating Homeowners

Sun, 08 Feb 2009 22:54:47 -0800

Regina Brown chronicles the a tale of a homeowner victimized by a bailout banks incompetency and mean spiritedness. Warning: be prepared for a blood boiling saga! It's truly sickening what Citibank is doing to it's customers!

Via Regina P. Brown Real Estate on the California Coast:

Yes, you read that right! Unbelievable but true. I am out in the field talking to homeowners every day. Here is a TRUE story of California home owners who are fighting back and winning against these greedy giant corporate banks. It's shocking to know that OUR taxpayer bailout money is being used to support such bad business practices by lenders like Citibank. This homeowner's story has developed over the past year.

The Homeowners refinanced their house in the Spring of 2004, with a 6% ARM fixed for 2 years. No problem, they would refinance into a better loan at the end of 2 years. Unfortunately by that time, the market had changed and they couldn't refinance out of that ARM loan.

1. Due to the interest rate on the ARM loan increasing to approximately 11%, the homeowners' payments jumped from $1,800 to about $3,600 per month (not including taxes and insurance). Note that these interest rates are being charged to the homeowner at a time when the federal rates were the LOWEST ever (4 to 5%). Citi was currently servicing their loan, which had been transferred several times after their initial loan.

2. After getting behind in payments, the Homeowners first tried to negotiate with their lender Citi. Citi demanded large payments to get caught up. The Homeowner asked Citi if they could do a Loan Modification because they wanted the interest rate lowered. Citi stated that they do not do Loan Modifications. (Citi's computer called them automatically 2-3 times per day from Citi's collections dept. The homeowners had to submit a "cease & desist" letter asking NOT to be called from Citi, in order to stop the harrassing phone calls.)

3. The Homeowner was unable to make the payments and contacted the HOPE government agency for help. Citi ignored the HOPE program's request and refused to contact the Homeowner.

4. The Homeowner's attorney then wrote 2 separate letters to Citi, with no answers or results from Citi. The homeowners continued to contact Citi. They got the "run-around" of being transferred from department to department, with no answers, no rep assigned to their case, and no one to return their phone calls.

5. The Homeowners heard that Citi was now offering Loan Modifications. The Homeowners then submitted their financial form to Citi, requesting a Loan Modification. The Homeowners contacted Citi every week with no answer or reply. Finally, they got a letter denying their Loan Modification request. Citi said it was denied because the file was incomplete because an additional paper was needed. The Homeowners were never notified that additional paperwork was needed. Citi said they could not contact the Homeowner because the Homeowner had asked Citi to "cease & desist" making collection calls (they were harassing the Homeowners by having the collection dept. computer calling them twice per day). The Homeowners then pointed out that they had sent Citi a fax authorizing to be contacted on their cell phone regarding the Loan Modification. The Homeowners asked Citi why they didn't simply send them a letter requesting the additional paperwork. Then Citi stated that the Loan Modification application had been deleted from their system, and if the Homeowners wanted a Loan Mod, they would have to reapply and start the process all over again. Citi stated that their Loan Modification process was a 4-6 week process. The Homeowners pointed out that Citi had set the Foreclosure sale date only a few weeks away, and asked if Citi could postpone the sale date. They said they could not.

6. The Homeowner then hired a Loan Modification company. Unfortunately, after many attempts of dealing with Citi's senior management, the Loan Modification company was not able to obtain a loan modification because Citi refused to cooperate with them also. First, Citi said that the Homeowner didn't have enough income to qualify for the Loan Modification program. Then Citi said that the Homeowner had too much income to qualify! (Fortunately, this company offers a money-back guarantee if they can't perform.)

7. Next the Homeowner hired a legal services program to file a fraud lawsuit against Citi. After a couple of weeks, the program's lawyers could not get it filed in time because of their backlog of so many cases.   (This company called the Homeowners and told them the attorneys weren't going to be able to get their lawsuit filed before the foreclosure date. And yes, they sent the Homeowners' money back to them the next day). They received a Notice of Trustee's Sale (Foreclosure sale) from Citi. The sale date was set for January 30th.

8. The Homeowners next hired Home Defense Group to file a lawsuit against Citi. With less than 2 weeks before the Foreclosure sale date, Home Defense Group filed a very strong lawsuit against Citi. Reading from a court-certified copy, the first page says:

COMPLAINT FOR:

1. DECLARATORY RELIEF
2. VOID, CANCEL, AND SET ASIDE:
    (a) NOTICE OF TRUSTEE'S SALE UNDER DEED OF TRUST;
    (b) NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST
3. CANCELLATION OF INSTRUMENTS
4. QUIET TITLE TO REAL PROPERTY
5. ACCOUNTING
6. INJUNCTIVE RELIEF
   (a) Temporary Restraining Order
   (b) Preliminary Injunction
7. DAMAGES:
   (a) General
   (b) Compensatory
   (c) Bad Faith Foreclosure
   (d) Violation of Statute(s)

9. After receiving this lawsuit, Citi postponed the Notice of Trustee's Sale (Foreclosure sale). Citi did not notify the Homeowners or the law firm. This information was discovered when searching the foreclosure public records. The Sale date postponement was postponed from January 30th to March 2nd.

10. Meanwhile, Home Defense Group will continue to work on behalf of this Homeowner until the case can be successfully concluded.

PLEASE NOTE that there is NO guarantee that ANY particular program or lawsuit will be successful on your behalf.  I have heard a rumor that some lawyers, although they had filed valid cases, were not having the success they sought.  I heard it was because some corrupt judges were siding with the huge corporate lenders, who are paying millions of dollars to try to get these lawsuits thrown out. These huge corporate lenders are afraid that losing a fraud lawsuit will set a precedent, opening the floodgates to thousands of other Homeowners who will sue on the same grounds, and the lenders will do everything possible to stop these type of lawsuits.

Although I hope and pray that these cases get heard fairly on behalf of homeowners, I can't deny that corruption, favoritism, and unfairness exist in every society. Our American justice system is not perfect, and life is not always fair. However, I feel that homeowners have a GOOD SHOT at getting some POWER back in their hands with these experienced attorneys who are willing to put their careers on the line to FIGHT back for American citizens. God bless them!!!

If you question the legitimacy of this tactic, consider this: Your lender may have sold your promissory Note and they may not own your Note -- which may mean that they do NOT have the right to foreclose, and maybe even don't have the right to collect your mortgage payment. Smart attorneys are working with home owners to make the lender PRODUCE a valid note. Here's Lou Dobbs from CNN.

According to Ohio congresswoman Marcy Kaptur as interviewed on LouDobbs.com on CNN.com, if your lender tries to foreclose on you, hire an attorney and fight back! Stay in your house, do NOT move out.

In this CNN clip called "Fight Foreclosures: Be a Squatter!", check out the video here:

http://www.cnn.com/video/#/video/us/2009/01/30/griffin.mortgage.squatting.cnn

Please reference my previous blog, "Bank Foreclosing? Don't Move Out, Stay in your Home" at http://activerain.com/blogsview/911789/Bank-Foreclosing-Dont-Move-Out-Stay-in-your-Home

Can Home Defense Group's program work for you or your homeowners? Contact us today to find out if your loan qualifies and you can put their powerful program to work for you.

Join my new AR group and post your blog at http://activerain.com/groups/virtualoffice

Regina P. Brown
Broker, Realtor®, e-Pro
Author of eBook "Stop Foreclosure Fast: Solutions to Save your House"

Text copyright © 2009 R.P. Brown, All Rights Reserved

Interest Rates - A quick market report - RATES GOING LOWER.. or not?

Sat, 24 Jan 2009 22:25:58 -0800

My friend Jeff Belonger offers his insight and expertise as a mortgage professional in this enlightening post on the current state of mortgage interest rates and where they may be trending!

Via Jeff Belonger -- The FHA Expert.com -- FHA Loans -- FHA mortgages - USDA loans (Infinity Home Mortgage Company, Inc):

Mortgage Interest Rates - They are becoming a big topic of conversation in recent weeks. About a month ago, there were many reports stating that rates will come down to 4.5%. And depending on how you look at it, we are just about there.

This is all based on a FHA mortgage ..... (Conventional rates are about 1/2 pt worse and even more so, depending on your credit scores)

4.50% would cost any where from 1 3/4 pts to 2 3/4 pts, depending on your loan amount and the state that you live in.

5.00% would cost any where from zero points to 1 pt, again, depending on your loan amount and the state that you live in.

So what is the deal? Yes, rates are very low. The MBS's (mortgage backed securities) are being bought by government funds, which have driven the rates lower. But in my honest opinion, I don't see them staying low for any time long. Don't get use to this.

So here is the problem to where I see things. Again, the MBS's are being bought and in many cases, usually become stronger and more attractive, and this helps lower rates. The 4.5% coupon and the 5.0% coupon is very cheap right now, which you would think rates would be lower. Coupled with the fact that the stock market has been losing daily, except for a slight gain today. Also the 10 year yield rose slightly today, but for the week, has been lower than in previous weeks.

What does this mean? Typically when what was mentioned above happens, rates usually come down. But the problem with this is that they are the lowest in many years. And I don't see them staying low for any length of time. If I had to put a time frame on it, possibly staying low for 1 1/2 weeks, or maybe the possibility of a whole month. But that would be pushing it. What would be my reasons for rates to increase?

Jeff's reasons.... one of the basics is that we just can't sustain low rates for the long term. This will do more harm than good. Sure, it's helped refinances to increase in recent weeks. But the purchase market has slightly increased. More and more people seem to be sitting on the fence, waiting for rates to lower. PEOPLE... listen up.... if you had plans to buy, buy now, don't wait.

Conclusion : As mentioned, we can't sustain low rates. Consumer spending is slowing, yields will rise, and there is speculation that President - Elect Barack Obama will increase borrowing to record highs to pay for his economic rescue package. With all of that, you would have the risk of inflation rising. Low mortgage rates do not always jump start the economy. If people save a $100 here or there, it doesn't get replaced into our economy in areas that are most critical. Lowering your mortgage payment on your new home, should not mean that you buy more or bigger. It should allow you to save more, hence one of the reasons why we are in this mess. This is not a fluff post or to make you happy post. It's reality and we need to see past the low rates. This post should have read, rates possibly going up, but I wanted to get your attention.

If you have been thinking about refinancing, do it now. If it makes sense 3 weeks ago, do it now. If you are waiting for lower rates, I won't feel for you when rates do go up, when they increase. Don't buy because rates are down, buy because you can afford it and think of lower rates as a bonus... or that you won the lottery.

PS.... and if you want bragging rights amongst your neighbors, co-workers, and family... put that behind you and save money, don't lose money. Besides, every borrower is different, because of credit score & LTV (loan to value), so one rate will be different than the other. That is just a fact. Don't be left behind because you wanted to brag the loudest, be a winner in your own world.

For two other good posts that give some other insights to what I didn't talk about, please read these :

Market Direction with common sense explanation by : Larry Bettag

Mortgage Rates Report - January 14th, 2009 by : Brian Brady

The Rate/waiting game by : Jason Sardi

- FHA Loans - USDA Loans - Conventional Loans - VA Loans - Mortgages -

Experience & Knowledge at its BEST !!!

________________________________________________________________________________________

For more information on FHA loans, please go to this link. The FHA Expert

For more information about the 2008-2009 Tax Credit for First Time Homebuyers : 2008 Tax Credit

For important mortgage insight to watch for, please read : Consumers need to be aware of these Red Flags !!!!!

Copyright © 2009 by Jeff Belonger

Twitter Messages Can Be Dangerous to Your Computer Health!!! How to Protect Your PC!

Sun, 04 Jan 2009 22:44:12 -0800

Be careful out there in Twitterspace!!! It’s a jungle out there where “Survival of the Fittest” rules.

Just finished checking my Twitter Account and found I had 2 Direct Messages waiting for me. What could these be??? I excitedly went to check it out.

One was from an old friend on AR the other was from a new Twitter acquaintance, also an AR member. (Names omitted to protect the innocent)
The First Tweet said: "Hey look at this funny blog!" Getting ready to be tickled by a good laugh, I excitedly clicked the Link:

http://rosalierebyb.bl

(link altered to protect you)

No funny blog came up, but a serious message:

My Firefox Browser had blocked this site from automatically opening.

Why was this site blocked????

Because Firefox recognized it as a reported as a WEB FORGERY, Phishing or Malwares site.

At this point I get really suspicious because the second Tweet also had the same link! I thought I don't think my AR friend or this other "Tweeter", whom I don't even know would be sending me a Direct Message link, those are usually reserved for something important or private, I suspect somehow their accounts were compromised?

What is a Web Forgery? What is Phishing?

What is an Attack Site? What is Malware?

If you are not totally familiar with these dangers, please take the time to READ MORE about these threats, and how the Firefox Browser can protect you from these "surfing accidents!"

Also for SUPER protection for your PC get yourself a TOP Anti-Malware program such as Malwarebytes or Kaspersky.

These two programs are tried and true and attested to by Industry Techies as the best.

Warning: BE VERY CAREFUL ABOUT Your Choice of "ANTI-MALWARE", "ANTI-VIRUS" PROGRAMS YOU DOWNLOAD!!!!! Some even will try to fool you with copycat sounding names!

MANY OF THESE SO CALLED "SPYWARE" PROGRAMS ARE REALLY MALWARE IN DISGUISE!!!!!

Did you hear me??? MANY OF THESE CAN REALLY BE Rogue MALWARE IN DISGUISE!!!!

So what should you do now to do to check if you may be infected and not know it? (Even if you are currently using a legitimate anti-spyware program some are less thorough at detecting malicious infections, which can mutate and fool many applications searching for it)

Do These Few Steps for a Safer Browsing Experience:

1) Download free version of Malwarebytes from Malwarebytes.org

Run quick scan, when finished view log, if any infections select and remove

2) After any infections are removed, if you aren't using Firefox: Download Firefox Browser

3) Change ALL your passwords if infections were found. It's a good idea to change passwords on social media sites regularly.

4) Come back here and comment if any infections were found!

5) REBLOG this to get the word out!

6) NOTE: Malwarebytes anti-spyware anti-malware program was recommended to me by High Tech geeks from DELL after my former paid 50 bucks a year Spyware did not detect Malware/virus on my PC which ended up completely shutting me down. Believe me this is a nightmare you don't want to happen!!! Hours of reformatting my PC, and endless days of reinstalling everything!!! The Virus even wiped out my external hardrive!

The free version will scan for you, but for REAL TIME Protection you will need the full version which unlocks realtime protection, scheduled scanning, and scheduled updating

The full version of Malwarebytes ALSO updates itself continually to keep ahead of these Rogue virus and Malware that are constantly "mutating." Malwarebytes is known for finding infections that will escape other programs!! This has saved me a few times in the last month!

You can Download Malwarebytes full version here: this costs only a ONE TIME fee of 24.95 for a LIFETIME of protection.

Kaspersky full version is another option at 79.95 per year.

*********THIS JUST IN: Twitter Under Phishing Attack!!!!!************

LIKE I SAID IT IS A JUNGLE OUT THERE!!!! MAKE SURE YOUR PC IS WEARING ITS PROTECTIVE GEAR! AND WATCH WHERE YOU WANDER!!!

Happy & Safe Surfing Friends~
Ginger

©Ginger Sala Wilmington NC Real Estate & Relocation

A Christmas Shoutout to Our Active Rain Family Troops Away from Home~

Tue, 23 Dec 2008 00:50:55 -0800

Tonight I read, for the hundredth time, a vmail letter my Dad sent home to my Mom while he was serving in France during WW11.

It was written on Christmas Eve and details his dreams of his Christmas Eve at home.

As always reading this letter brings sobs of sadness for the loneliness he felt, and smiles of pride and thanks for his sacrifice, and for the sacrifice of all servicemen & women who will spend the holidays away from home.

This post is dedicated to the sons, & daughters, spouses, parents & dear ones of our Active Rain family who are currently serving in the military. Many of these wonderful men and women are deployed overseas and will be away from their loved ones this Christmas.

My AR girlfriends Marchel Peterson & Missy Caulk have sons currently serving and Jo Soss is missing her husband overseas.

There are so many more members here who are longing for the ones close to their heart, who can not be home for Christmas.

Lets all take a moment to send out a prayer for the safety & comfort of these honorable & brave servants of our country and let them know they are big in our hearts this season!

Enter your loved ones names, photos greetings prayers in the comments so we can lift them up in our thoughts & prayers & give them all a shout out of Christmas Joy & a big serving of THANKS for all they do for us!

Our Christmas wish for our Military family: Stay safe, stay strong & come home soon!

THANK YOU! THANK YOU! THANK YOU!

T Minus 9 Days And You Still Need A Gift?

Sat, 20 Dec 2008 14:52:47 -0800

Lanette Branch wrote this wonderful post about giving gifts from the heart. I loved her tips so much, I wanted to share them with you all. What makes these special is they are keepsakes that will endure for a lifetime, (except for the baked goods) not some trendy fad that will be left behind without a thought or a memory.

Take some time to visit Lanette's blog and make a new friend!

Merry Christmas to all! Happy Holidays! Blessed New Year!

Via Lanette Branch, - Bel Air, MD REALTOR (RE/MAX 1st Advantage Realty, Inc.):

It's nine days until Christmas and you still haven't found the perfect gift for those special people on your list. What will you do?

Are you kidding me? What in the world have you been doing all year? Certainly not selling houses -- the Media said so!. You knew Christmas was coming this time last year! Uggghh...

I digress...

Here are some cool, SIMPLE, inexpensive gift ideas that you can whip up fairly quickly. Yes, they are homemade, but they won't have to look homemade, if you put a little thought into 'em--

1. Give the gift of THEM THEM. You're a blogging maniac and I know you have loads of GREAT photos just waiting to be released from your MY PICTURES purgatory. Release 'em already! This is one of my favs. I did this for my niece one year and she's raved about it ever since. I gathered a couple pix of her 2 kids (ones she had no idea I'd taken!), uploaded them to Walmart.com's photo page, then picked them up at the store an hour later. I didn't even have to buy frames since I buy frames like some women buy shoes (and always for a song!) so it was easy enough to pop some into frames, wrap 'em and call 'em a gift.

2. Give the gift of YOU YOU. Write 'em a letter. Hand write your Dad (who has everything already, right?) a letter from the heart. Tell him what he means to you, tell him about how you've come to appreciate those "mean" things he did to you in childhood (now that you are an adult w/your own lovely tykes). Tell him you remember when he first took you to the zoo, or how he always made you pancakes on the weekends. Tell him how much you appreciate the time he spends w/his grandkids now. The sky's the limit on this one. However, word to the wise, don't write a cotton' pickin' novelette...short and sweet, that's the ticket! And put it on some nice paper, too! Maybe frame it, I like frames...

3. Give the gift of Food. Yes, food! Everyone loves food. Just don't do the fruitcake thing. Decadent Chocolate Chip Cookies (yeah, that's all in CAPS, 'cause it's important!) in a gorgeous container, or your signature dish, whatever it may be, is always appreciated. There are several variations on this one, too. You could layer the ingredients for the cookies in a mason jar or some other decorative see-thru container (layer of sugar, topped w/layer of chips, layer of flour...) and top w/a bow. And you could should include the recipe (in a frame?..).

4. Give the gift of Notoriety. Write a blog about 'em. You're a blogging maniac, remember? This is similar in concept to #2 but now you're taking it to a ho nuvah level.

These are just the tip of the iceberg. Your imagination is the limit. Just keep in mind that you don't have to spend hours in the mall or all of your money (that the Media says you don't have) to give a really great, inexpensive, yet unique gift. All you need to do is stretch your creative wings and give the gift of your thoughtfulness. People like gifts like that. That eat that stuff up (see #3).

Happy Holidays to you and yours!

Wilmington NC Churches Celebrate the Joys of the Season

Sat, 13 Dec 2008 23:30:56 -0800

Wilmington NC churches are offering a variety of concerts, plays and live nativity presentations this weekend. Public invited and all are free!

A candlelight Lovefeast will be clebrated at Pine Valley United Methodist Church on Sunday, December 14th at 7 pm. In the the traditon of Moravian worship. Traditional carols, reflective worship & a simple meal will be shared to celebrate the Advent season. For more information call 791-0353.

Who doesn't love a live Nativity presentation? College Acres Baptist Church corner Eastwood Rd & Cardinal Dr will have their 28th annual Living Nativity on Saturday, December 13th and Sunday the 14th from 6:30 pm to 8 pm. you will feel as if you are in Bethelehem as luminaries light your way & Angelic music filld the air. park or drive through to view this Nativity scene. For more info call 799-3773.

One of Wilmingtons treasured landmarks, First Presbyterian Church on Third St will have a program on Sunday, December 14th at 5 pm with John T Hoggard High School Holiday Choral Concert. The concert is free and donations are appreciated. Child care is provided. For more information call 762-6688 or visit their website.

First Presbyterian will also host Organ Recitals for the Season of Advent on Tuesday, December 16th and 23rd at 12:10 pm. Lunch is availble following the concerts for a fee of 6.00 reservations must be made by noon on Monday preceding the concert. Call 762-6688.

Preview of next weekend~

The chancel Choir of Pine Valley United Methodist Church will present ''Noel, Night of Everlasting Love'' with bells & orchestra on Saturday, December 20th & Sunday the 21st at 7 pm in the Christian Life Center.call 791-0353.

Wishing you all the Blessings of the Season~

Ginger Sala Wilmington NC Real Estate & Relocation Specialist

Help Rocky Turner's 10 African Orphans TODAY!

Thu, 11 Dec 2008 19:54:24 -0800

What a wonderful opportunity to reach out and do something marvelous for children in need across the globe. For as little as 10 dollars you can make a huge difference in the lives of these precious children. Please stop by Rocky Turner's blog and read about this marvelous cause. Then give what your heart tells you!

Bless You all,

Via Lake Norman Real Estate ~ Diane Aurit:

Look at these amazing faces. The hope and will is there. But, we need to empower these special girls with the gift of education!

For any of you who are lucky enough to know Rocky Turner, you know her passion and goals are limitless when it comes to helping her girls at St Monica's Orphanage in Kenya. She is traveling there again in January expecting to be able to give the schools enough money for all 10 girls' school and living expenses.

Today is a special day and we need YOUR help! Please take a minute to go to:

http://www.mothersfightingforothers.com/category/blog/.

Change the Lives of 10 Girls Today - December 10, 2008

Read Rocky's story, watch her video and click on the link to donate. Whether it is $5 or $100, you will be one of our heroes!

As one of the board members of Mothers Fighting For Others I can't thank you enough.

Wordless Wednesday~Pelican Watch

Wed, 10 Dec 2008 23:15:02 -0800

by Ginger Sala, Wilmington NC Real Estate & Relocation Specialist in beautiful Coastal NC. We cover Wilmington , Hampstead, Wrightsville Beach, Carolina & Kure Beach & Leland NC.

"Coast Home to North Carolina!"

Speechless Sunday

Sun, 07 Dec 2008 23:20:27 -0800

CHRISTMAS Shopping Can be Fun in Wilmington NC

Sat, 06 Dec 2008 23:17:35 -0800

If you are looking for a unique Christmas gifts, and a relaxed shopping experience, you may want to avoid the traditional malls and spend time exploring Wilmington's NC shops less travelled! While on this journey you are sure to make some new friends, find some special and unusual gifts and lend support to local artisans and craftsman.

Here are my picks for your holiday shopping pleasure...

The Blue Moon Gift Shop Emporium WOW! The selection of merchandise here will dazzle you. With over 100 local artists and craftspeople under one roof, the Blue Moon is a shopper’s delight. Some of the unique items you may find for that special someone included Hand painted Glassware, Mosaics, and Pottery, Fine Art and Photography open Mon-Friday 10-6 Saturday 10-5 Sunday 12-5

The Cotton Exchange in Historic Downtown Wilmington once the center of Wilmington NC mercantile trade, has been lovingly restored and houses an eclectic mix of specialty shops and restaurants. The cobblestone streets and original brick will bring you back to another era.

My favorite shop there is the Golden gallery. For 30 years the shop of local artist extraordinaire Mary Ellen Golden has been attracting customers from all over the globe. She has recently expanded her space at the Cotton Exchange. You can pick up lovely prints or original Watercolor paintings of local Cape Fear scenery for that extra special gift! Take a look at her work on her website store Mary Ellen Golden

Lumina Station is collection of charming shops and restaurants located on Eastwood Rd. just a couple of miles from Wrightsville Beach. Some of the shops you might want to try here are: Fountainside Fine Art Gallery fine original Art, and The Pink Petunia which features monogrammed gifts and apparel

You can find a good selection of high quality stores at the Mayfaire Town Center . My personal favorite is the diminutive jewelry boutique Vanity packs a wallop of selections in a small space. They feature lovely handmade jewelry pieces, with a wonderful price point and trendy leather bags at unbelievable prices. They also carry some scarves and sunglasses... and they will also send you coupons on your birthday and valentines for special savings!

Or how about a gift certificate for GLOMedspa? Your lady will love you for it! Their slogan is "come and get your GLOW!" There services include a complete selection of facials, and extras such as cosmetic fillers and wrinkle treatments.

The Learning Express is a boutique toy shop for children that offers unique educational toys for kids custom monogramming and excellent service. Two locations in Wilmington. Military Cutoff next to PT's Grille and Hanover Mall on Oleander.

Happy Shopping!

Merry Christmas!

by Ginger Sala Wilmington NC Real Estate & Relocation

Enchanted Airlie Wilmington NC: Holiday Delights at Night

Sat, 06 Dec 2008 15:22:58 -0800

Enchanted Airlie, a Holiday Tradition that began in Wilmington in 2005 has become one of the must see events of the season in the Wilmington NC Area. The beautiful gardens at Airlie are transformed into a magical 30 acre wonderland of lighted trees, shrubs and sculptures sure to enchant visitors of all ages. The glittering tour includes over 50,000 lights!

Once again Port City Java will provide free refreshments of hot chocolate and coffee to keep to warm you as you stroll. Carolers will walk the gardens and sing you into a festive mood. The gift shop will be open for shopping opportunities. A Giant Model Train set will be sure to fascinate the youngsters.

Of Course Santa will be on hand to take the childrens list back to the North Pole.

*NEW This Year GREEN admisson! Fit as many as you can in your standard size car or SUV and pay only 20 per carload!!!!

Tickets for this popular Wilmington NC Holiday Event must be purchased in advance. Two showings are available from 5-7 or 7-9 on Thursdays, Friday and Saturdays through December 22.

Tickets may be purchased online or at the Airlie Gift Shop. Please reserve early as visitors are limited and it does sell out every year.

Click Here for Tickets

Be sure to dress warmly and wear comfortable Shoes!

Enjoy!

posted by Ginger Sala Wilmington NC Real Estate & Relocation

Wilmington Fur Ball Raises Funds for Local Animal Rescue

Fri, 05 Dec 2008 15:42:59 -0800

In the wake of the countries deep financial woes, unemployment and foreclosure crises, our animal population has become to some a disposable commodity. Many are being abandoned on the street or at local shelters. More than ever we need animal lovers and activists to support the cause of animal care & rescue.

We have many wonderful local organizations here that reach out to these beautiful creatures and give then the care and love they deserve. One of the biggest fundraising events takes place this weekend in Wilmington.

The 3RD ANNUAL WILMINGTON FUR BALL, once again will be held at Thalian Hall in Historic Downtown Wilmington.

Music, hors d’oeuvres, auctions and much more at this black tie, red carpet, fund raising gala to benefit Pender County Humane Society ,Adopt an Angel, and the Columbus county Humane Society.

The fantastic local cover band 360 degrees will provide the musical entertainment. We hope they have another banner fundraisng year!

posted by Ginger Sala Wilmington NC Real Estate & Relocation

Photos used by permission

WORDLESS WEDNESDAY~MY FIRST!

Wed, 03 Dec 2008 16:56:22 -0800

by Ginger Sala Wilmington NC Real Estate & Relocation Specialist in beautiful Coastal NC. serving Wilmington, Hampstead, Wrightsville Beach, Carolina Beach, Kure Beach & Leland NC.

"Coast Home to North Carolina!"

Wrightsville Beach Celebrates the 25th North Carolina Holiday Flotilla Weekend~

Thu, 27 Nov 2008 23:34:10 -0800

December is almost upon us, and as the songs says "oh the weather outside is frightful"~~ wait a minute!! Not in Coastal NC~ it's delightful~ Well it's obvious that songwriter never had the pleasure of celebrating holiday time in Wilmington NC!

Gorgeous "Carolina Blue" skies, warm sunshine and crisp night breezes will be the perfect background for this weekend holiday festivities on Wrightsville Beach. One of the highlights of the season is the North Carolina Holiday Flotilla Weekend at which this year celebrates its silver anniversary!

On Friday at 6:45, The Tree Lighting Ceremony at Wrightsville Beach Town Park will kick of a three day celebration on Harbor Island of Festival, Flotilla,and Fireworks. Miss North Carolina and her friend from the North Pole will be on hand for the ceremony and to meet and greet the youngsters. Donation boxes for toys are set up at Wrightsville Beach Park Town Hall for the duration of the festival.

On Saturday the fun starts early, 10-4pm, The Festival in The Park at Wrightsville Beach Park will feature fun for all ages. Entertainment will provided by Chaz the magician, and special musical guests, the dynamic local string bluegrass group End of the Line.

There will be rides for the young ones, an Arts and Craft Show with over 80 vendors, a display of classic cars and appearances by Miss North Carolina and Miss Outstanding North Carolina Teen. Special treat: Local Baseball hero Trot Nixon will be signing autographs from 1:00-2:00 PM; " Food vendors available. Pets welcome!

The Parade of Boats will begin at 6pm. The route runs from Motts Channel to Banks Channel, Masonboro Inlet and the Intracoastal. Boats of all shapes and sizes, private owners, commercial vessels are eligible to enter. Each year the number of entrants increase and the decorations get more elaborate and inventive.

Residents will have a chance to win prizes by decorating their dock, deck, porch or yard along the parade route. Prizes for the Light Up the Night Contest will be awarded by the Harbor Island Garden Club before the parade begins.Following the parade of boats, the sky will light up over Banks Channel with a fireworks show!

The awards will be handed out on Sunday Morning at the Captains Brunch hosted by the Blockade Runner

Over 50,000 specatoators expected to attend! Make sure to arrive early for best flotilla viewing and dress warm!

Click here for PARADE ROUTE

Have a great time!

Ginger Sala Wilmington NC Real Estate & Relocation Specialist

Hampstead NC Happenings: Kiwanis Park Hosts Inaugural Turkey Trot Run

Fri, 21 Nov 2008 16:55:42 -0800

Looking for a fun way for the whole family to get into the Thanksgiving spirit and show your support a wonderful cause? Come out to Kiwanis Park tomorrow morning to watch the Kiwanis Park First Inaugural Turkey Trot Run & Kids Sprint.

The race will start and end at Kiwanis Park and wind through Belvedere Plantation and over Country Club Road. There will be prizes awarded by age groups for each race.

Kiwanis Park is an 82 acre recreation area that broke ground in 2004. The Park, a wonderful community resource, is home to three soccer fields, a playground, picnic areas, play areas, and a baseball field. Kiwanis Park was developed with help from a NC state, grant, coupled with Pender County funds and augmented by generous donations by local business and citizens.

Proceeds will go towards maintenance of the parks facilities and future expansion of Hampstead Kiwanis Park.

Where: Kiwanis Park 586 Sloop Point Loop Rd Hampstead NC

When: Sat. Nov.22, 9 am

Directions to Kiwanis Park Hampstead, NC

HAPPY THANKSGIVING!

Hampstead North Carolina: Coast Home to North Carolina!

Thu, 20 Nov 2008 12:17:48 -0800

Hampstead, North Carolina is one of the fastest growing areas in the state. It's a popularity as a relocation destination stems from it's desirable location close to Topsail Island Beaches, area Golf Courses, access to the Intracoastal Waterway, and the award winning Topsail School District.

Hampstead was once a small fishing village and a whistle stop along side the Atlantic Coast Line RR. Legend says that Hampstead got its name from a story from one of George Washington's many trip's along the King's Highway. He had planned to feast on the delicious local mullet caught in the Topsail sound. However, when he arrived, the mullet were not running. Washington had to "feast" on ham instead and from that day on the area was known as "Hampstead"!

Hampstead is a warm and welcoming town, with friendly folks and lot's of available amenities close by. Located to the North of Wilmington, Hampstead is convenient to all activities and yet maintains an appeal to those looking for a more rural setting.

Spend the day Fishing, swimming, golfing or relaxing on the front porch, or at a local Festival. There is something for everyone in Hampstead, NC. Coast Home to Hampstead!

Hampstead Festivals:

Some of the most popular Hampstead NC area festivals that are held throughout the year.

Autumn with Topsail is held the third weekend in October in the town of Topsail Beach and sponsored by the Topsail Island Historical and Cultural Arts Council..

Celebrate Hampstead Festival is held on the 2nd Saturday in May.

The Azalea Festival a local traditions and the largest festival in the area is held in Wilmington, NC during the first weekend in April.

The North Carolina Blueberry Festival- Held on the courthouse square in historic downtown Burgaw. www.visitpender.com/.

The Spot Festival- sponsored by the Hampstead Fire Department and held at Topsail High School during the last weekend in September.

Sun Fest - sponsored by the Kiwanis Club of Topsail Island and held at the Soundside Park. For further information you may call 910-329-4446.

Hampstead NC Info

Hampstead, NC Golf Courses

Community Clubs and Organizations

Hampstead Schools

Hampstead Community Resources

Hampstead MOMS Club

We invite you to visit our Website to search the MLS for current Hampstead NC Listings!

Strange Google Alert on a WordPress Post of Mine

Thu, 23 Oct 2008 23:50:37 -0700

Hey gang, got a Google Alert on myself tonight and while I was waiting for it to open, was very curious what it sould be since I had not posted in a while. What a surprese this alert was on a post I did in mid June. On a WordPress.com blog I don't even use anymore. It was my last post on that site. ( there wer no new comments either)

Anyone have a clue how this would happen?

Prayers needed, Anyone there?

Mon, 13 Oct 2008 23:54:16 -0700

Dear Friends,

Some of you may know that this year has been a challenge for me dealing with a few cumbersome health issues. The latest one involves my heart. My heart is beating irregularly, and the medications they tried to convert it back to normal did not work. This Tuesday at 12:30 my Doctor is admitting me to the hospital to undergo an Electrical Cardioversion, which is a procedure that attempts to shock the heart back into proper rhythm. They place the electrodes & pads on you, and then deliver a series of shocks to convert the hearts rhythm. You' may have seen this on ER. LOL!

Please pray that this procedure works for me as it does not always get the job done. I would love to get off the 2 other meds I am on and be able to have more energy & get back in the swing of things especailly on Active Rain, which I have had to curtail a lot this year.

There's Power in your prayers! Thank you brothers & sisters. I love you all!

PS I am only posting to this group..cause I feel funny broadcating my illnesses in cyberspace!

Wilmington NC Neighborhoods: Emerald Forest

Mon, 13 Oct 2008 10:10:29 -0700

The first homes in the Wilmington NC Community of Emerald Forest were built in the late 90's. Homes are a mix of Colonial style, ranch style, with a few Low Country style homes mixed in. The sq ft ranges from 1300 to around 3000 sq ft.

Most of the homes are vinyl sided, although there a few brick homes in the community. Lots sizes vary with the average being around 1/3 of an acre. The community was entirely built out by 2003.

The neighborhood of 120 homes was laid out in a curvilinear pattern which gives it an open feeling. Conservation areas run through the community which adds to the charm.

Emerald Forest is located on the north side of Wilmington in Zip code 28411 in an area known as Ogden. Ogden Elementary, the new elementary school built in 2007 is located just outside the Oyster Lane Entrance to Emerald Forest.

Conveniently located within 7 miles of beautiful Wrightsville Beach, a quick a 3 mile drive to the fantastic shopping at the Mayfaire Town Center, only 8 miles to Historic Downtown Wilmington. Emerald Forest It's outside the city limits so residents pay no city taxes..

Emerald Forest is a very popular neighborhood for its convenience, location and quality of life and resale homes are in demand.

Fast Facts about Emerald Forest Community

Zip code 28411
Built by Bill Clark Homes
Located just outside Wilmington City Limits
County taxes .42 per 100 value
No HOA

Emerald Forest School Assignments

Emerald Forest 2008 Real Estate Market Reports

Prices From $182-$389,000
7 Homes sold this year
Average 2008 time on market 87 days
One Short Sale
High sold $389,900
Low sold $182,000 (Short Sale)

© About the author: Ginger Sala, Keller Williams Realty Wilmington NC Real Estate & Relocation Specialist: serves the beautiful Coastal North Carolina areas of Wilmington, Wrightsville Beach, Hampstead, Carolina Beach, Kure Beach, Topsail Island, Surf City & Leland. Wilmington NC Living truly has something for everyone!" Visit our website: CoastHomeNorthCarolina.com for Wilmington NC Area Information, Wilmington NC Schools, Wilmington NC MLS listings! Click here to contact Ginger

"Coast Home to North Carolina!"

Prayers needed, Anyone there?

Sun, 12 Oct 2008 23:18:38 -0700

Hello Friends,

Some of you know that this year has been a challenge for me dealing with a few cumbersome health issues. The latest one involves my heart. My heart is beating irregularly, and the medications they tried to convert it back to normal did not work. This Tuesday at 12:30 my Doctor is admitting me to the hospital to undergo an Electrical Cardioversion, which is a procedure that attempts to shock the heart back into proper rhythm. They place the electrodes & pads on you, and then deliver a series of shocks to convert the hearts rhythm. You' may have seen this on ER. LOL!

There's Power in your prayers! Thank you brothers & sisters. I love you all!

PS I am only posting to this group..cause I feel funny broadcating my illnesses in cyberspace!

Hampstead NC Church Hosts Fall Pumpkin Festival

Thu, 09 Oct 2008 18:39:49 -0700

Hampstead United Methodist Church hosts its Fourth Annual Fundraiser for the Church’s Mission Projects this Saturday, October 11.

There will be fun for ages: The youth of the church are organizing a free games area for young children. The "Pumpkin Patch" sales will support youth mission projects, including assistance to the growers of the pumpkins in New Mexico.

Free hayrides and Face Painting will entertain both the young & young at heart!

The Festival will offer wonderful crafts by local artisans including glassware, art work,wooden bowls & custom jewelry. The best cooks will serve their specialties of ham and sausage biscuits, hot dogs, barbecue pork.

Any Sweet lovers? You'll be in heaven with the selection of homemade baked breads, cookies, cakes and brownies. Stock up for yourself, or for holiday stocking stuffers with goodies from the church ladies including jams, jellies, preserves, pickles, and peach honey. Tip: Buy early!

A silent Auction will give visitors the opportunity to win some exciting prizes such as vacations in Florida, Vegas, or Topsail Island.

Come fellowship for a great cause with the folks at HUMC and enjoy great food and fun! Free parking and admission. For more information, visit the church website:

Have a wonderful Time!

Wilmington NC: Art in the Arboretum Festival This Weekend!

Thu, 09 Oct 2008 15:06:54 -0700

One of our favorite places to visit in Wilmington NC is the New Hanover County Arboretum. The enchanting seven acre property is a wonderful place to stroll & be awed by their lovely Theme Gardens featuring our North Carolina native flora & fauna. The Arboretum gift shop The Potting Shed has unique items and books on NC gardening. Ken Wells, the Consumer Horticulture Director and his Master Gardener Volunteers provide a wealth of gardening information about what to grow, proper soil conditions, and are a great resource for trouble shooting plant problems.

Each March we look forward to the Arboretum Annual Plant Sale where we shop till we drop to stock our garden with native plants, trees, herbs and shrubs.

We are very excited that this fall the Arboretum will be host to its first annual (we hope) Arts in the Arboretum Festival, a two day event that will feature popular local artists and musical acts. In addition to art on canvas, artists from other mediums will be featured including sculptors, weavers, potters and basket weavers. All their exquisite creations will be available for sale.

The Ability Garden which facilitates gardening for groups and individuals who have a variety of physical and sensory abilities, will have plants for sale to benefit their wonderful Ability Garden program.

When: Friday, Oct. 10, 2008 from 10 to 4, Saturday, Oct. 11, 2008 10 to 5 p.m.
Where: NH County Arboretum: 6206 Oleander Drive in Wilmington

Tickets are just $ 5.00 Please come out and support this wonderful Wilmington NC resource.

Wilmington NC Celebrates Riverfest 2008!

Fri, 03 Oct 2008 13:29:39 -0700

An absolutely beautiful October weekend is upon us, and the excitement is in the air as one of the Wilmington NC area's most popular events takesplace this weekend! Get ready for The Annual Riverfest Celebration! This year celebrating it's 30 years of Fun for all ages!

The Riverfest was born of the vision of a group of Wilmingtonians, interested in drawing people to the historical downtown area, decided to feature some artist, provide activities of interest to bring people to the downtown area in an effort to help revitalize business. Over the years the idea blossomed as the downtown area was revitalized and restored...

Riverfest has supported the Cape Fear Community College "Marine Technology Scholarship Program and has donated over close to $100,000.00 in an effort to assist students in various study programs. More than 200,000 attendees enjoy the festivities which bring awareness to the ecological importance of the Cape Fear River.

RIVERFEST 2008 HIGHLIGHTS

Invasion of the Pirates

Gospel Explosion

Antique Car Show

Extreme Skateboard Competition

Kids Zone

Shag Contest

Rail Jam click for fun utube

Bikes Stunt Show

LIVE ENTERTAINMENT

Bands perform Friday from 8-11pm, Sat: 11-11pm, Sunday 12 N -5:30

Other Attractions: