Gina's Blog

Fiddler's Creek Home for Rent in Naples, FL

Envoy Mortgage — Tue, 23 Dec 2008 13:11:04 -0600

Fiddler's Creek Brand New Cascada Coach Home Next to PoolFiddler's Creek Resort Vacation Rentals

Call Owner

Phone 1: (314) 283-0098
Phone 2: (314) 993-6690 (Missouri, USA

Cascada at Fiddlers Creek Exterior View

Location: Fiddler's Creek Resort, Fiddler's Creek, Naples, South Gulf Coast, Florida, USA (Located in Naples at Marco Island)

Accommodations: Coach Home, 3 Bedrooms + Den, 2 Baths (Sleeps 6)

This Winter, ESCAPE to Perfect weather and Pamper YOURSELF like never before.

This Three Bedroom Condominium is lovely and beautifully furnished with your comfort in mind. Upscale king-size master bedroom suite, full dining room table and chairs, 53-inch Sony projection TV with cable, eat-in kitchen, all appliances, and a large screened lanai. You will not want to leave!

Fiddler's Creek offers amenities comparable to many world-class five-star resorts. Step out your door to take a quick swim before breakfast. If you prefer, expand your options with a walk to the 54,000 square foot Club and Spa.

The Club has much to offer:
* Enjoy a luxuriating swim among waterfalls in a lush tropical setting.
* Invigorate yourself with a structured aerobics class.
* Cool down with a soothing soak in the over-sized hot tub.
* Pamper yourself with a massage.
* Look your best with a professional facial.
* Participate in daily planned activities which let you be as adventurous as you care to be with people like yourself.
* Have fun and make new friends.

To find out more, search for Fiddler's Creek on the Web.

Golf is never far away... Play a round without leaving the grounds. Marriott's Marco Shores Golf Course is located on the grounds of Fiddler's Creek and offers discounted rates for guests. Many other courses, just a short drive away, will provide constant variety.

Tennis... Court time is free with club membership. Play for recreation or improve your game. Tennis courts are located adjacent to the Club. Professional instructors are available.

Dining... Enjoy fine dining at the Club and Spa or take a short drive to Marco Island or Naples for expanded options.

Fishing... Professional Captains are minutes away on Marco Island and the Island of Capri.

Sunsets are spectacular! Watch them from your pool, the Fiddler's Creek nature preserve, or the Marco Island beach. All will be memorable.

Vacation Rental Features

Amenities
- Air Conditioning
- Washer
- Dryer
- Linens Provided
- Garage
Beds
- King Bed
- Queen Bed
- Twin/Single Bed
Entertainment
- Cable/Satellite TV
- DVD
- Stereo System
- Jetted Tub in Bath
- Shared Hot Tub
- Shared Pool: Located next to Cascada pool!
- Sauna: Located at the Club and Spa!
Kitchen
- Full Kitchen
- Cooking Utensils Provided
- Refrigerator
- Dishwasher
- Microwave
- Ice Maker
Outdoor Features
- Lanai
View/Location
- Lake View
- Golf Course View
Communications
- Broadband Internet: Available at the Club and Spa at no charge!
- WiFi (Wireless Internet): Available at the Club and Spa at no charge!
Suitability
- No Pets Allowed
- Kid Friendly
- Smoking Not Allowed
Activities (on site and nearby)
- Golf
- Tennis
- Sightseeing
- Restaurants
- Kayaking
- Sailing
- Boating
- Waterskiing
- Parasailing
- Jet Skiing
- Shelling
- Swimming
- Biking
- Wildlife Viewing
- Fishing
- Fitness Center/Gym
- Health/Beauty Spa

Personal Currency Assistant^TM

Low Season  .. May 2008-Oct 2008 .. $1095/week (1 week minimum) .. $2950/month
Mid Season  .. Nov 2008-Dec 2008 .. $1500/week (1 week minimum) .. $4290/month
High Season .. Jan 2009-Mar 2009 ................................. $4900/month
High Season .. Apr 2009 ........... $1500/week (1 week minimum) .. $4500/month

Note: Until confirmed, rates are subject to change without notice.

Dates available: Year Round

Assist-2-Sell Now Hiring......

Envoy Mortgage — Tue, 23 Dec 2008 13:03:08 -0600

We Are America's Leading Discount Real Estate Company

For Sellers, Buyers and Now Agents!

Make Your Move in Time for the 2009 Season!

What Assist 2 Sell Provides:

Up to a 100% Commission Split for as Low as a $250.00 per Month Office Fee

No Minimum Office Commission Contribution

We'll Give You Your First Listing to Help Jump Start Your Business

A National Franchise with Over 700 Offices in the USA & Canada

A Brand People Recognize

On-Site Mortgage & Title Services

Training - A Can't Miss System Geared to Make You a Top Producer

Choice of 2 Offices to Use - Anytime

Broker Support 7 Days per Week to Provide You Support When You Need It

Lead Assistance for Your Target Market

Company Web Site with Your Own Feature Page & Link to Your Personal Website

Agent Email Address

State-of-the-Art Office & Telephone Systems

National TV Advertising

Internet Advertising

Print Advertising

Farming Materials

Floor Duty

Agents Requirements

Maintain an Active Missouri License

Join the St. Louis or St. Charles MLS or Both

Cell Phone with Voice Mail

Personal Computer

Digital Camera

Knowledge of the MLS System & Brokerage Relationships

Detail Oriented To Complete Required Documentation

Follow Company Standards, Listing Presentation, Forms & Checklists

Provide Regular Follow-up with Clients

Maintain a Professional Appearance and Disposition

Be Outgoing, Positive, Have a Desire to Succeed & Put in a Full-Time Effort

Why Is It Time To Join The Assist 2 Sell Team

End Your Stress of Having No Listing & Buying Prospects

End Your Worries of Not Having a Commission Check

The Market Is Changing - Sellers Do Not Want To Pay 5-6% or More to Sell Their Home

Buyers Are Not Loyal - Learn How To Use Incentives to Make Big Money on Buyer Sales

Learn a Listing Presentation That Makes It Easy To Get a Listing

Become an Expert on the CMA, Seller Net Sheets, Contracts & the Closing Statement

Learn To Be a Champion Contract Negotiator

Work with Owners Who Are Business Savvy & Understand the Value of Our Philosophy

To set up an interview, call Gina Gerber at 314-993-6023 or please visit our web site at www.SeeSTLHomes.com, click on "Join Our Company" at the bottom of the left menu bar and fill out the online form. We at Assist 2 Sell look forward to helping you achieve a successful career in Real Estate.

Contact Us Today for Your Confidential Interview

Ask for Gina Gerber Email: ginagerber26@sbcglobal.net

Fax: 314-569-0161

Telephone: 314-993-6023

www.SeeSTLHomes.com

Commission Policy

100% Plan (100% to Sales Associate)

Office fee of $250.00 per month includes use of the Creve Coeur or Chesterfield offices, virtual telephone extension, Sales Associate profile page on the office website with a link to Sales Associate's listings and personal website, use of copy machine up to 500 black & white copies .05¢ per copy after 500 (color copies at .15¢ per one-sided copy), high-speed internet, internet advertising of Sales Associate's listings, use of conference rooms, in-house Mortgage & Title services, on-site Broker & Office Manager support and sales training. Sales Associate is responsible for MLS dues, business cards, letterhead & envelopes, office supplies, advertising listings and self-promotion advertising. $360.00 errors and omissions insurance fee paid annually and due 30 days after start date. 5% franchise fee & 1% national advertising fee charged per transaction. $295.00 archive fee charged to the customer per transaction. If the $295.00 is not charged to the customer, the Sales Associate is responsible for the archive fee. $300.00 transaction fee charged to the Sales Associate per transaction.

80% Plan (80% to Sales Associate)

Office fee of $150.00 per month includes use of the Creve Coeur office or Chesterfield offices, virtual telephone extension, Sales Associate profile page on the office website with a link to Sales Associate's personal website, use of copy machine up to 500 black & white copies .05¢ per copy after 500 (color copies at .15¢ per one-sided copy), high-speed internet, cooperative print advertising and internet advertising of Sales Associates' listings, use of conference room, in-house Mortgage & Title services, on-site Broker & Office Manager support and sales training. Sales Associate is responsible for MLS dues, business cards, letterhead & envelopes, office supplies and self-promotion advertising. $360.00 errors and omissions insurance fee paid annually and due 30 days after start date. 5% franchise fee & 1% national advertising fee charged per transaction. $295.00 archive fee charged to the customer per transaction. If the $295.00 is not charged to the customer, the Sales Associate is responsible for the archive fee. $200.00 transaction fee charged to the Sales Associate per transaction

70% Plan (70% to Sales Associate)

Office fee of $50.00 per month includes use of the Creve Coeur office or Chesterfield offices, virtual telephone extension, Sales Associate profile page on the office website with a link to Sales Associate's personal website, use of copy machine up to 500 black & white copies .05¢ per copy after 500 (color copies at .15¢ per one-sided copy), high-speed internet, cooperative print advertising and internet advertising of Sales Associate's listings, use of conference room, in-house Real Estate & Title services, on-site Broker and Office Manager support and sales training. Mortgage Broker is responsible for business cards, letterhead & envelopes, office supplies and self-promotion advertising. $360.00 errors and omissions insurance fee paid annually and due 30 days after start date. 5% franchise fee & 1% national advertising fee charged per transaction. $295.00 archive fee charged to the customer per transaction. If the $295.00 is not charged to the customer, the Sales Associate is responsible for the archive fee. $100.00 transaction fee charged to the Sales Associate per transaction.

You may change your plan annually on your anniversary date. We will get your business started and provide you with your first listing no matter which commission plan you select.

Assist2Sell

Buyers & Sellers Advantage

1039 Corporate Square Drive

St. Louis, MO 63132

(314) 993-6023

www.SeeStlHomes.com

Envoy Mortgage Now Hiring...

Envoy Mortgage — Tue, 23 Dec 2008 13:01:51 -0600

Envoy Mortgage is more than just a great company to do business with, it is also a great company to work for!

Envoy Mortgage has been successful for over ten years because of its people, systems and technology ... with the most important asset being the people!

Our success is due to our:

•· Teamwork

•· Integrity

•· Passion

•· Respect

•· Accountability

•· And Leadership

We take great pride in hiring outstanding people with high standards, values, and ethics. Additionally, we hire smart business people who understand the importance of providing great customer service. In our corporate culture, we believe that keeping our employees happy, will ultimately provide for even better customer service for our clients.

Envoy Mortgage was formed 10 years ago when Dana Gompers, CEO and David Zugheri, President, both had a vision to start a mortgage company that would make the lending process easier on both the realtor and the borrower.

Envoy Mortgage is a Mortgage Bank with a very experienced staff that offers expertise in all areas of mortgage lending. As a bank, Envoy Mortgage controls the entire loan process from the initial application all the way through the funding of the loan. This helps to ensure a smoother and more accurate close.

As a Mortgage Bank, we offer:

•· Latest in technology with electronic signatures (eSign by FHM)

•· Digital documents

•· On-line application process

•· Secure online loan status (24/7)

•· Around the clock attention to loans

•· Fully electronic closings

We carry direct endorsement authority from both Fannie Mae and FHA, offering a wide range of lending programs to meet every borrowers needs.

Envoy Mortgage is often seen on FOX Television, ABC Television, and heard on KSEV "The Voice" radio station in Houston , Texas .

•· We have the latest in technology including electronic signatures (eSign by FHM).

•· Our documents are digital.

•· First mortgage bank to deliver an electronic file to GMAC and Countrywide.

•· We are a Mortgage Banker - not just a broker.

•· We have full control of the loan process (from the initial application to funding of the loan)

•· First Mortgage Company to work a paperless loan file from application to custodian.

•· We care about the success of all of our employees.

•· Our teamwork, systems and passion for the business is second to none!

•· Basic Term life Insurance

•· Accidental death and dismemberment Insurance (AD&D)

•· Long Term Disability

•· Employee paid health Insurance

•· Employee assistance Program

•· Dependant Health Insurance

•· Dental- Preventive, Basic and Major services

•· Vision- Examinations, lenses and Glasses

•· Flexible Spending account with both Health care and Dependant Daycare

•· 401k- Company match

At Envoy Mortgage we understand the need for our L.O.'s to have tools for success. At Envoy Mortgage, we are always looking to develop new technology as well as enhance our systems and procedures to make it easier for our L.O.'s to do their jobs and continue to provide smooth transactions for our clients.

•· Electronic Signatures (eSign by FHM)

•· Digital Documents

•· Paperless loans

•· Point Software

•· Mortgage Quest

•· Lock loans ... day or night?

•· Around the clock attention to each loan file

•· On-line application process

•· Secure online loan status (24/7)

•· State of the art website

And ... full support from President and CEO!

Commission Policy

Level 1 BEST*

Office fee of $250.00 per month includes use of the Creve Coeur office, virtual telephone extension, Mortgage Advisor profile page on the office website with a link to Mortgage Advisor's personal website, use of copy machine up to 500 black & white copies .05¢ per copy after 500 (color copies at .15¢ per one-sided copy), high-speed internet, internet advertising of Mortgage Advisor, use of conference rooms, in-house Real Estate & Title services, on-site Broker & Office Manager support and sales training. Mortgage Advisor is responsible for business cards, letterhead & envelopes, office supplies, advertising listings and self-promotion advertising. $360.00 errors and omissions insurance fee paid annually and due 30 days after start date. $295.00 archive fee charged to the customer per transaction. If the $295.00 is not charged to the customer, the Mortgage Advisor is responsible for the archive fee. $300.00 transaction fee charged to the Mortgage Advisor per transaction.

Level 2 BETTER*

Office fee of $150.00 per month includes use of the Creve Coeur office, virtual telephone extension, Mortgage Advisor profile page on the office website with a link to Mortgage Advisor's personal website, use of copy machine up to 500 black & white copies .05¢ per copy after 500 (color copies at .15¢ per one-sided copy), high-speed internet, cooperative print advertising and internet advertising of Mortgage Advisor, use of conference room, in-house Real Estate & Title services, on-site Broker & Office Manager support and sales training. Mortgage Advisor is responsible for business cards, letterhead & envelopes, office supplies and self-promotion advertising. $360.00 errors and omissions insurance fee paid annually and due 30 days after start date. $295.00 archive fee charged to the customer per transaction. If the $295.00 is not charged to the customer, the Mortgage Advisor is responsible for the archive fee. $200.00 transaction fee charged to the Mortgage Advisor per transaction.

Level 3 GOOD*

Office fee of $50.00 per month includes use of the Creve Coeur office, virtual telephone extension, Mortgage Advisor profile page on the office website with a link to Mortgage Advisor's personal website, use of copy machine up to 500 black & white copies .05¢ per copy after 500 (color copies at .15¢ per one-sided copy), high-speed internet, cooperative print advertising and internet advertising of Mortgage Advisor, use of conference room, in-house Real Estate & Title services, on-site Broker and Office Manager support and sales training. Mortgage Broker is responsible for business cards, letterhead & envelopes, office supplies and self-promotion advertising. $360.00 errors and omissions insurance fee paid annually and due 30 days after start date. $295.00 archive fee charged to the customer per transaction. If the $295.00 is not charged to the customer, the Mortgage Advisor is responsible for the archive fee. $100.00 transaction fee charged to the Mortgage Advisor per transaction.

You may change your plan annually on your anniversary date.

* PLEASE CALL FOR MORE INFORMATION ABOUT COMMISSION SCHEDULES.

For More Information, Please Contact:

GARY BUSSARD

(314) 993-6690

10121 Paget Drive

St. Louis, MO 63132

www.4StlLoans.com

Corporate and Virtual Offices For Lease...

Envoy Mortgage — Tue, 23 Dec 2008 13:00:22 -0600

FOR LEASE:

EXECUTIVE OFFICE SUITES AND VIRTUAL OFFICES

Compete with any established business without the overhead of a full-time office.

You'll be in business quickly and easily. Break into a local or international market with an attractive, professional business center equipped with state-of-the-art technology- simply walk in, sit down and start working.

Create the right impression with professional, cost-effective and easy to reserve meeting rooms. Talk remotely to clients and partners with Audio Conferencing.

Maintain a local business presence as a point of contact without committing to a single physical location.

Let our professional staff help you with your administrative needs.

Executive Office Suites and Virtual Offices great for Start-Ups, Solo

Practitioners and Small Firms.

Rent by the Hour, Day, Week, Month, Year.

Suites Include; Reception Area, Conference Rooms, Copier, Fax, DSL,

Large Resource Room, Kitchen and Vending Area.

Furnished or Unfurnished.

Ground Floor, Free Parking.

100-500 Square Feet Suites Available.

30 Total Offices (Networking and Customer Referrals).

On-Site Property Management.

VIRTUAL OFFICE

Mail Collection and Forwarding-Mail is collected, packages are signed for and sent to you according to your instructions.

Access Ready-to-Use Offices and Meeting Rooms

On-Demand Administrative Support

Incoming and Outgoing Faxes-Use our local fax number; we'll collect and send faxes to you wherever you are*

A Local Phone Number

Personalized Call Answering-Professional receptionist answers your calls in your company's name according to your specifications, if you so choose.

Voice Mailbox-Remote setup and retrieval of your personal voicemail.

Lobby Listing-Your Company will be listed in the lobby along with all building tenants*

Free Conference Room Time Monthly-Depending on your lease.

*Additional Fees May Apply

For Details, Please Contact:

GARY BUSSARD

Corporate Square Executive Suites

1033 Corporate Square Drive

St. Louis, MO 63132

(314) 283-0098

www.bussardproperties.com

Near Olive and Lindbergh

Across From Monsanto Campus.

Envoy Mortgage Interest Rates...

Envoy Mortgage — Tue, 23 Dec 2008 12:58:30 -0600

AVERAGE INTEREST RATES AS OF December 18, 2008:

30 Year ..................4.875% 0 Points 0 Origination Fees

15 Year ..................4.750% 0 Points 0 Origination Fees

5/1 Arm Jumbo.........5.375% 0 Points 0 Origination Fees

FHA 30 Year............4.875% 0 Points 0 Origination Fees

Please Call Often, as Rates Change Daily!!

No-Cost Refinancing,

97% Purchase,

FHA,

Reverse Mortgages

We are affiliated with Assist2Sell to help with your Real Estate needs.

We are also affiliated with Benchmark Title to help with all your Title needs.

We are YOUR One-Stop Shop for Mortgages, Real Estate and Title!

Visit Our Website at: www.4StlLoans.com

or Contact:

GARY BUSSARD

(314) 993-6690

Envoy Mortgage

10121 Paget Drive

St. Louis, MO 63132

gary@stlouisloanrates.com

www.4StlLoans.com

Envoy Mortgage Toy and Food Drive....

Envoy Mortgage — Fri, 12 Dec 2008 16:46:51 -0600

Toy and Food Drive

Friday, December 19, 2008

3:00pm - 8:00pm

Corporate Square Executive Suites

1033 corporate Square Drive

Envoy Mortgage, Assist-2-Sell and corporate Square executive suites will be holding their first annual toy and food drive on December 19, 2008 from

3:00-8:00pm. please bring any non-perishable food items and un-wrapped toys to our corporate square executive suites. we will be distributing these items to "friends of kids with cancer" and the Jewish food pantry.

you may drop off or you are invited for drinks and to socialize!

let's all pull together and make this great for the families in need this holiday season!

For more information and directions, please call: (314) 993-6690. Thank you and see you then!

Envoy Mortgage Interest Rates

Envoy Mortgage — Fri, 12 Dec 2008 16:45:09 -0600

AVERAGE INTEREST RATES AS OF December 11, 2008:

30 Year ..................5.125% 0 Points 0 Origination Fees

15 Year ..................5.0% 0 Points 0 Origination Fees

5/1 Arm Jumbo.........5.5% 0 Points 0 Origination Fees

FHA 30 Year............5.125% 0 Points 0 Origination Fees

Please Call Often, as Rates Change Daily!!

No-Cost Refinancing,

97% Purchase,

FHA,

Reverse Mortgages

We are affiliated with Assist2Sell to help with your Real Estate needs.

We are also affiliated with Benchmark Title to help with all your Title needs.

We are YOUR One-Stop Shop for Mortgages, Real Estate and Title!

Visit Our Website at: www.4StlLoans.com

or Contact:

GARY BUSSARD

(314) 993-6690

Envoy Mortgage

10121 Paget Drive

St. Louis, MO 63132

gary@stlouisloanrates.com

www.4StlLoans.com

Envoy Mortgage Toy and Food Drive .....

Envoy Mortgage — Tue, 09 Dec 2008 16:13:45 -0600

Toy and Food Drive

FRIDAY, DECEMBER 19, 2008
3:00PM - 8:00PM

CORPORATE SQUARE EXECUTIVE SUITES
1033 CORPORATE SQUARE DRIVE

ENVOY MORTGAGE, ASSIST-2-SELL AND CORPORATE SQUARE EXECUTIVE SUITES WILL BE HOLDING THEIR FIRST ANNUAL TOY AND FOOD DRIVE ON
DECEMBER 19, 2008 FROM 3:00PM - 8:00PM.

PLEASE BRING ANY NON-PERISHABLE FOOD ITEMS AND UN-WRAPPED TOYS TO OUR CORPORATE SQUARE EXECUTIVE SUITES. WE WILL BE DISTRIBUTING THESE ITEMS TO "FRIENDS OF KIDS WITH CANCER" AND THE JEWISH FOOD PANTRY. YOU MAY DROP OFF YOUR ITEMS OR YOU ARE INVITED TO STAY FOR DRINKS AND TO SOCIALIZE!

LET'S ALL PULL TOGETHER AND MAKE THIS GREAT FOR THE FAMILIES IN NEED THIS HOLIDAY SEASON!

PLEASE CALL WITH ANY QUESTIONS:
(314) 993-6690.

THANK YOU FOR YOUR CONTIN UED SUPPORT!
HOPE TO SEE YOU THEN!

Envoy Mortgage Interest Rates...

Envoy Mortgage — Tue, 09 Dec 2008 16:10:37 -0600

AVERAGE INTEREST RATES AS OF December 4, 2008:

30 Year ..................5.125% 0 Points 0 Origination Fees

15 Year ..................5.0% 0 Points 0 Origination Fees

5/1 Arm Jumbo.........5.5% 0 Points 0 Origination Fees

FHA 30 Year............5.125% 0 Points 0 Origination Fees

Please Call Often, as Rates Change Daily!!

No-Cost Refinancing,

97% Purchase,

FHA,

Reverse Mortgages

We are affiliated with Assist2Sell to help with your Real Estate needs.

We are also affiliated with Benchmark Title to help with all your Title needs.

We are YOUR One-Stop Shop for Mortgages, Real Estate and Title!

Visit Our Website at: www.4StlLoans.com

or Contact:

GARY BUSSARD

(314) 993-6690

Envoy Mortgage

10121 Paget Drive

St. Louis, MO 63132

gary@stlouisloanrates.com

www.4StlLoans.com

Envoy Mortgage Weekly Interest Rates...

Envoy Mortgage — Wed, 26 Nov 2008 16:04:06 -0600

AVERAGE INTEREST RATES AS OF November 25, 2008:

30 Year ..................5.375% 0 Points 0 Origination Fees

15 Year ..................5.125% 0 Points 0 Origination Fees

5/1 Arm Jumbo.........5.5% 0 Points 0 Origination Fees

FHA 30 Year............5.375% 0 Points 0 Origination Fees

Please Call Often, as Rates Change Daily!!

No-Cost Refinancing,

97% Purchase,

FHA,

Reverse Mortgages

We are affiliated with Assist2Sell to help with your Real Estate needs.

We are also affiliated with Benchmark Title to help with all your Title needs.

We are YOUR One-Stop Shop for Mortgages, Real Estate and Title!

Visit Our Website at: www.4StlLoans.com

or Contact:

GARY BUSSARD

(314) 993-6690

Envoy Mortgage

10121 Paget Drive

St. Louis, MO 63132

gary@stlouisloanrates.com

www.4StlLoans.com

Executive and Virtual Offices for Lease....

Envoy Mortgage — Mon, 17 Nov 2008 13:07:04 -0600

FOR LEASE:

EXECUTIVE OFFICE SUITES AND VIRTUAL OFFICES

Compete with any established business without the overhead of a full-time office.

Create the right impression with professional, cost-effective and easy to reserve meeting rooms. Talk remotely to clients and partners with Audio Conferencing.

Maintain a local business presence as a point of contact without committing to a single physical location.

Let our professional staff help you with your administrative needs.

Executive Office Suites and Virtual Offices great for Start-Ups, Solo

Practitioners and Small Firms.

Rent by the Hour, Day, Week, Month, Year.

Suites Include; Reception Area, Conference Rooms, Copier, Fax, DSL,

Large Resource Room, Kitchen and Vending Area.

Furnished or Unfurnished.

Ground Floor, Free Parking.

100-500 Square Feet Suites Available.

30 Total Offices (Networking and Customer Referrals).

On-Site Property Management.

VIRTUAL OFFICE

Mail Collection and Forwarding-Mail is collected, packages are signed for and sent to you according to your instructions.

Access Ready-to-Use Offices and Meeting Rooms

On-Demand Administrative Support

Incoming and Outgoing Faxes-Use our local fax number; we'll collect and send faxes to you wherever you are*

A Local Phone Number

Personalized Call Answering-Professional receptionist answers your calls in your company's name according to your specifications, if you so choose.

Voice Mailbox-Remote setup and retrieval of your personal voicemail.

Lobby Listing-Your Company will be listed in the lobby along with all building tenants*

Free Conference Room Time Monthly-Depending on your lease.

*Additional Fees May Apply

For Details, Please Contact:

GARY BUSSARD

Corporate Square Executive Suites

1033 Corporate Square Drive

St. Louis, MO 63132

(314) 283-0098

www.bussardproperties.com

Near Olive and Lindbergh

Across From Monsanto Campus.

Assist-2-Sell Now Hiring......

Envoy Mortgage — Mon, 17 Nov 2008 13:04:08 -0600

We Are America's Leading Discount Real Estate Company

For Sellers, Buyers and Now Agents!

Make Your Move in Time for the 2009 Season!

What Assist 2 Sell Provides:

Up to a 100% Commission Split for as Low as a $250.00 per Month Office Fee

No Minimum Office Commission Contribution

We'll Give You Your First Listing to Help Jump Start Your Business

A National Franchise with Over 700 Offices in the USA & Canada

A Brand People Recognize

On-Site Mortgage & Title Services

Training - A Can't Miss System Geared to Make You a Top Producer

Choice of 2 Offices to Use - Anytime

Broker Support 7 Days per Week to Provide You Support When You Need It

Lead Assistance for Your Target Market

Company Web Site with Your Own Feature Page & Link to Your Personal Website

Agent Email Address

State-of-the-Art Office & Telephone Systems

National TV Advertising

Internet Advertising

Print Advertising

Farming Materials

Floor Duty

Agents Requirements

Maintain an Active Missouri License

Join the St. Louis or St. Charles MLS or Both

Cell Phone with Voice Mail

Personal Computer

Digital Camera

Knowledge of the MLS System & Brokerage Relationships

Detail Oriented To Complete Required Documentation

Follow Company Standards, Listing Presentation, Forms & Checklists

Provide Regular Follow-up with Clients

Maintain a Professional Appearance and Disposition

Be Outgoing, Positive, Have a Desire to Succeed & Put in a Full-Time Effort

Why Is It Time To Join The Assist 2 Sell Team

End Your Stress of Having No Listing & Buying Prospects

End Your Worries of Not Having a Commission Check

The Market Is Changing - Sellers Do Not Want To Pay 5-6% or More to Sell Their Home

Buyers Are Not Loyal - Learn How To Use Incentives to Make Big Money on Buyer Sales

Learn a Listing Presentation That Makes It Easy To Get a Listing

Become an Expert on the CMA, Seller Net Sheets, Contracts & the Closing Statement

Learn To Be a Champion Contract Negotiator

Work with Owners Who Are Business Savvy & Understand the Value of Our Philosophy

To set up an interview, call Marissa Kellum at 314-993-6023 or please visit our web site at www.SeeSTLHomes.com, click on "Join Our Company" at the bottom of the left menu bar and fill out the online form. We at Assist 2 Sell look forward to helping you achieve a successful career in Real Estate.

Contact Us Today for Your Confidential Interview

Fax: 314-569-0161

Telephone: 314-993-6023

www.SeeSTLHomes.com

Commission Policy

100% Plan (100% to Sales Associate)

80% Plan (80% to Sales Associate)

70% Plan (70% to Sales Associate)

You may change your plan annually on your anniversary date. We will get your business started and provide you with your first listing no matter which commission plan you select.

Assist2Sell

Buyers & Sellers Advantage

1039 Corporate Square Drive

St. Louis, MO 63132

(314) 993-6023

www.SeeStlHomes.com

Envoy Mortgage is Hiring.....

Envoy Mortgage — Mon, 17 Nov 2008 13:01:24 -0600

Envoy Mortgage is more than just a great company to do business with, it is also a great company to work for!

Envoy Mortgage has been successful for over ten years because of its people, systems and technology ... with the most important asset being the people!

Our success is due to our:

•· Teamwork

•· Integrity

•· Passion

•· Respect

•· Accountability

•· And Leadership

As a Mortgage Bank, we offer:

•· Latest in technology with electronic signatures (eSign by FHM)

•· Digital documents

•· On-line application process

•· Secure online loan status (24/7)

•· Around the clock attention to loans

•· Fully electronic closings

We carry direct endorsement authority from both Fannie Mae and FHA, offering a wide range of lending programs to meet every borrowers needs.

Envoy Mortgage is often seen on FOX Television, ABC Television, and heard on KSEV "The Voice" radio station in Houston , Texas .

•· We have the latest in technology including electronic signatures (eSign by FHM).

•· Our documents are digital.

•· First mortgage bank to deliver an electronic file to GMAC and Countrywide.

•· We are a Mortgage Banker - not just a broker.

•· We have full control of the loan process (from the initial application to funding of the loan)

•· First Mortgage Company to work a paperless loan file from application to custodian.

•· We care about the success of all of our employees.

•· Our teamwork, systems and passion for the business is second to none!

•· Basic Term life Insurance

•· Accidental death and dismemberment Insurance (AD&D)

•· Long Term Disability

•· Employee paid health Insurance

•· Employee assistance Program

•· Dependant Health Insurance

•· Dental- Preventive, Basic and Major services

•· Vision- Examinations, lenses and Glasses

•· Flexible Spending account with both Health care and Dependant Daycare

•· 401k- Company match

•· Electronic Signatures (eSign by FHM)

•· Digital Documents

•· Paperless loans

•· Point Software

•· Mortgage Quest

•· Lock loans ... day or night?

•· Around the clock attention to each loan file

•· On-line application process

•· Secure online loan status (24/7)

•· State of the art website

And ... full support from President and CEO!

Commission Policy

Level 1 BEST*

Level 2 BETTER*

Level 3 GOOD*

You may change your plan annually on your anniversary date.

* PLEASE CALL FOR MORE INFORMATION ABOUT COMMISSION SCHEDULES.

For More Information, Please Contact:

GARY BUSSARD

(314) 993-6690

10121 Paget Drive

St. Louis, MO 63132

www.4StlLoans.com

Divorce and Your Home...

Envoy Mortgage — Mon, 17 Nov 2008 12:59:17 -0600

DIVORCE AND YOUR HOME

During this difficult time, there are many questions you might be asking, including "Can I keep my house - what are my options?" Let's break it down so you hopefully have one less thing to worry about!

If I am the one to receive the home in the settlement, does it make sense? Take into consideration home size, utilities, payments, family needs, etc. You will now be entirely responsible for the house payment, upkeep and other related bills. Your income will most likely be decreasing, so it is imperative that you be aware of what your expenses will be.

Will my spouse receive marital interest in the home? If so, the equity in the home needs to be determined by an appraiser. The appraised value - less the costs of selling (commissions and seller closing costs) equals equity to be split between the parties. This is the amount you will be obligated to give to your ex-spouse.

With the divorce, your spouse may put a marital lien on the property or there may be a court ordered mandate for distribution of the equity. This means that you have a specified amount of time to obtain the funds needed to give the ex-spouse their portion of the equity. This can be done by cashing out the equity in the home with a new mortgage or selling the home.

If you choose to stay in the home, you have two financing options to pay your ex-spouse. You can refinance your home to get cash out or you can obtain a new home equity loan. This is where you will want the advice of a trusted mortgage professional.

There are specific rules to qualifying for a new mortgage. With good credit and income you can qualify on your own (child support and alimony can be counted if received for three months and likelihood of continuance for at least three years.)

What if I am the one leaving the home? It is important to know that even though the divorce decree awarded the home to your spouse, you are still obligated for this debt in the eyes of the mortgage company!

Many people assume that by filing a quit claim deed removing themselves, they are no longer responsible for the mortgage. A quit claim eliminates your name from the title of the property, not the mortgage. The benefit of a quit claim deed is that if the one on title passes away, the property will go to their heirs rather than the ex-spouse.

How might it impact my credit - what can I do? Unfortunately for many, divorce is a time of great financial hardship and credit challenges. Because you are obligated on the mortgage until it is paid in full, it is imperative that the person responsible for the payment remains current. One possibility you have is to do a name delete assumption. If this is done as a none-qualifying assumption, the spouse not receiving the property can have their name removed from statements, but the financial obligation remains the same. This process can also be used if you are staying in the property and changing back to your maiden name or a new married name. There is a way to do a qualifying name delete assumption that would relieve the non-occupying spouse from their obligation, but you would have to check with your mortgage servicing company for their procedure and fees.

What about if I want to go buy a home - am I still obligated because I am on the other loan? Once you have your final divorce decree, a lender will look at your income and credit to qualify you on your own. Again, in most situations, child support and alimony must have been received for three months and have at least a three year likelihood of continuance for this income to be used for qualifying. If the divorce decree states that you are not obligated for the mortgage and the mortgage on the home awarded to your ex-spouse has not been delinquent during the last 12 months, you may be able to qualify without this obligation.

If you want to purchase a home prior to the divorce becoming final, you may be allowed to do this, but be aware that since you are in a community property state your spouse will have a marital interest. Be very careful with this situation! You will also have to qualify with the full debt from the current home because there is not a final divorce decree

Taking the time to talk with a mortgage lender before your divorce or before you decide to start looking at a new home can help eliminate much of the concerns and problems that surface in these situations. Choosing to work with a Trusted Advisor as a mortgage lender is crucial to your financial well being. Especially during this difficult time.

Take advantage of our FREE mortgage analysis and financial consultation. Let us help you with all you homeownership needs.

Contact:

GARY BUSSARD

10121 Paget Drive

St. Louis, MO 63132

(314) 993-6690

gary@stlouisloanrates.com

www.4StlLoans.com

Reverse Mortgage Information....

Envoy Mortgage — Mon, 17 Nov 2008 12:57:03 -0600

ENVOY MORTGAGE

REVERSE MORTGAGE FACT SHEET

Envoy Mortgage has the distinction of being the nation's First Mortgage Partnership provider of the reverse mortgage and offers the program through 30 regional offices in 50 states across the nation. In addition to offering the Fannie Mae Home Keeper and FHA Home Equity Conversion Mortgage reverse mortgages, we offer the only private reverse mortgage in the U.S. for higher valued homes. We have been offering these loans to senior homeowners since 1991 and have to date helped more than 50,000 homeowners enjoy the benefits of a reverse mortgage.

We would be happy to review our programs with you and help you decide which reverse mortgage program will best fit your needs.

Key facts and details of our reverse mortgage programs are summarized below:

1. Definition: A reverse mortgage is a unique financial tool that enables homeowners ages 62 and over to tap into their home's equity, receiving either a monthly income, lump sum of cash or a line of credit. There are no income or credit qualifications and there is no repayment until the homeowner permanently leaves the home. The borrower retains full ownership of the property.

2. Qualifications: Applicant(s) must be at least 62 years of age and must own their home free and clear or nearly free and clear - in many cases borrowers use the reverse mortgage to pay off existing liens or mortgages, which eliminates their monthly loan payments. Borrowers must also live in their home as their primary residence which means that they should not live elsewhere for more than 365 consecutive days.

Mobile homes have specific requirements that must be met in order to be eligible for reverse mortgages. Please contact us for a list of these requirements. Commercial properties are currently ineligible for reverse mortgages.

3. Determination of Loan Amount: The loan amount is based on the home value, the number and age of the homeowner(s), the current interest rate and the maximum allowable home value.

The maximum allowable home value varies depending on the reverse mortgage program selected. The FHA-Insured Reverse Mortgage Program has limits, called Maximum Claim Amounts, ranging from $172,632 to $362,790. This amount varies by country. The Fannie Mae Home Keeper program has a nationwide limit of $417,000.

4. Counseling: All borrowers are required to receive free counseling from a third-

party counseling agency prior to applying for a reverse mortgage. Your local Senior Loan Advisor has a list of counselors in your area and can refer you to the reverse mortgage counselor nearest you. The counselors often will be willing to do the counseling session over the telephone if you are unable to go to their office.

5. Payment Plans: Reverse mortgage borrowers can choose from several payment plan options:

a. Tenure: Borrower receives a monthly check for as long as they live in the home.

b. Line of Credit: Borrower can draw up to a maximum amount at the

times and in the amounts of the borrower's choosing.

c. Lump Sum Cash Advance: A lump sum of cash distributed to borrower

at closing.

d. Modified Tenure: Any combination of the above options.

6. Processing Times: On average it takes 6-8 weeks to process a reverse mortgage.

7. Closing Costs: Closing costs are financed into the loan, and include the appraisal, title insurance, origination fee and recording fees. Your local Senior Loan Advisor will be happy to provide you with a Good Faith Estimate of Closing Costs when they meet with you.

8. Interest Rate: The interest rate charged varies depending on the reverse mortgage program selected by the borrowers. All programs offer adjustable rates, and have lifetime caps on the maximum allowable rate. Please call your local Senior Loan Advisor for a quote on the current rates.

9. Impact on Income Taxes and Social Security: Proceeds from a reverse mortgage are considered to be a loan, not income. Therefore, the funds received are not subject to income tax and do not affect Social Security Benefits. Borrowers receiving Medicaid or SSI may not be affected if the funds from the reverse mortgage are spent in the month they are received. As always, we recommend you consult your tax advisor for further details.

10. Repayment: The reverse mortgage becomes due and payable at the time the borrower permanently leaves the home. The reverse mortgage can be repaid either from the proceeds of the sale of the property; other liquid assets or the heirs can obtain a conventional mortgage to pay off the reverse mortgage.

The loan balance consists of the financed closing costs, the cash that was advanced to the borrower and any interest that accrued. Remaining equity belongs to the borrower of their heirs. The reverse mortgage is subject to a non-recourse limit, which states that the borrower or their heirs are only required to repay the loan balance or the fair market value of the home, whichever is less.

11. Items needed to Apply: Please have the information listed below available at the time the application for a reverse mortgage is completed:

•a. Original counseling certificate provided by third party reverse mortgage counselor. (Please refer to item #4).

•b. Photocopies of driver's license, social security card and birth certificate, if available.

•c. Copy of recent property tax statement, deed to the home and homeowner's insurance bill.

•d. Original death certificate of spouse if a widow(er). This is needed only if deceased spouse has not been removed from title to property.

•e. Copy of statement with names, addresses and account numbers for mortgage debt.

•f. If the property is held in a trust, please provide us with an entire copy of the trust agreement.

•g. If the person signing has Power of Attorney for the borrower, please provide us with a copy of the Durable Power of Attorney.

•h. If the property previously had a mortgage balance, which was paid for in full, please provide us with a copy of the Satisfaction of Mortgage.

•i. Check made payable to Vanguard Mortgage & Title, LLC for $350.00, which is applied toward the appraisal cost. This can be refunded to you at closing.

Please don't hesitate to call us at 314-993-6690 or 314-283-0098/Mobile if you have any questions or if you would like to speak with your Reverse Mortgage Specialist.

We look forward to working with you!

Gary Bussard

ENVOY MORTGAGE

10121 Paget Drive

St. Louis, MO 63132

(314) 993-6690 Office

(314) 283-0098 Mobile

(314) 569-0161 Fax

gary@stlouisloanrates.com

www.4StlLoans.com

Envoy Mortgage Weekly Interest Rates...

Envoy Mortgage — Mon, 17 Nov 2008 12:53:10 -0600

AVERAGE INTEREST RATES AS OF November 13, 2008:

30 Year ..................5.875% 0 Points 0 Origination Fees

15 Year ..................5.625% 0 Points 0 Origination Fees

5/1 Arm Jumbo.........5.5% 0 Points 0 Origination Fees

FHA 30 Year............6.0% 0 Points 0 Origination Fees

Please Call Often, as Rates Change Daily!!

No-Cost Refinancing,

97% Purchase,

FHA,

Reverse Mortgages

We are affiliated with Assist2Sell to help with your Real Estate needs.

We are also affiliated with Benchmark Title to help with all your Title needs.

We are YOUR One-Stop Shop for Mortgages, Real Estate and Title!

Visit Our Website at: www.4StlLoans.com

or Contact:

GARY BUSSARD

(314) 993-6690

Envoy Mortgage

10121 Paget Drive

St. Louis, MO 63132

gary@stlouisloanrates.com

www.4StlLoans.com