franklin county: Mortgages and Refinances in Sandy Level, Virginia 24161 - 12/18/15 06:45 AM
If you are in the market for a mortgage or are considering refinancing your home, you should come to American National Bank and Trust Company.   We are a LOCAL community bank based right here in the state of Virginia.
We have been providing financial services in the state of Virginia for over a century.   Our branch office is conveniently located off Rt. 40 in Union Hall, so we are close at hand.   The branch phone number is (540) 576-1218. 
My name is Deanna Early and I am the Nationally LICENSED Mortgage Loan Originator with the bank.   I have been … (3 comments)

franklin county: Mortgages and Refinances in Gretna, Virginia 24557 - 12/17/15 10:35 AM
If you are in the market for a mortgage or are considering refinancing your home, you should come to American National Bank and Trust Company.   We are a LOCAL community bank based right here in Virginia.
We have been providing financial services here in the state of Virginia for over a century.   Our Gretna branch office is conveniently located at 109 North Main Street.   The branch phone number is (434) 656-1246. 
My name is Deanna Early and I am a Nationally LICENSED Mortgage Loan Originator.   I have been doing Virginia Mortgages and Refinances for over   30 years.   … (2 comments)

franklin county: Yes folks, the force awakens - 12/17/15 05:33 AM
The Federal Reserve Bank raised the interest rates this week.   Not that the Federal Reserve actually controls interest rates on mortgages and refinances directly but their actions bring about an expected response from lenders.   After nine years of zero percent rates, yes folks, the force awakens.
Now I don't intend to infringe upon or take any of the glory away from a certain movie that is opening today.   I also don't expect people to be camped out in my parking lot waiting to get in the door ahead of everyone else.
At the same time, we must acknowledge that this … (2 comments)

franklin county: URGENT MESSAGE: you could be subject to civil and criminal penalties ! - 12/14/15 07:26 AM
As a service to ALL of my ActiveRain friends and colleagues, I am putting out a blog informing everyone of this new government rule.   However, it doesn't just pertain to ActiveRain users but to everyone.   As Christmas approaches, this new rule may apply to many people that weren't affected previously.
The rule comes down from the Federal Aviation Administration (FAA) and involves drones.   I'm not referring to the weapons of war but rather the hobbyist's toy or the Realtor's tool.   The new rule applies to all drones weighing under 55 pounds which would include most of these.
Do you … (11 comments)

franklin county: Results don't lie ! - 12/13/15 05:53 PM
It's been over two months and I'm still hearing agents complaining about the problems caused by TRID.   I find it interesting that even with the time available to prepare for it and learn about it, many still haven't.   Now that it has been in the marketplace for a while, it is no longer a secret.
The bad part is these same agents are still taking their clients through the same lenders.   What is it Einstein said, something about "Doing the same thing over and over and expecting a different result".   I think he referred to it as "crazy". … (5 comments)

franklin county: Vinegar and sugar, which one are you and which one are they ? - 12/13/15 01:35 AM
In the course of business, we run into all types of problems and personalities.   Occasionally, something will go wrong during the process involved in buying a house but it is how you handle the problems that makes the difference.   Some folks are sweet as sugar, some are not.
First of all, I try to look at problems in a positive way and concentrate on the solution rather than harping on the situation.   I first identify what is perceived to be a malfunction in getting the deal done.   Next, I look at what it will take to get the deal … (5 comments)

franklin county: Endicott, Virginia; I'm Your LOCAL Mortgage Loan Originator - 12/12/15 03:16 AM
If you live, work or play in Endicott, Virginia; you are in MY  area and I want to introduce myself to you.   My name is Deanna Early and I am the Mortgage Loan Originator for American National Bank and Trust.   I know you exist and I want you to know me and how I can be of assistance to you.
Just because you are down there in the southwestern part of Franklin County, Virginia doesn't mean you have escaped my attention.   As many summers as I spent on Philpott Lake with my family, I know  where Endicott, Virginia is. … (2 comments)

franklin county: The best Loan Officer? How to decide. - 12/12/15 12:53 AM
This is the first post of another blogger that I have ever  posted on my blog.  Joseph Metzler is a Mortgage Loan Officer in the states of Minnesota, Wisconsin and South Dakota.   What he has laid out in his post also applies to borrowers here in the state of Virginia and across the nation too.   I am offering this post to my readers and asking that anyone in Virginia that needs a home mortgage loan or is considering refinancing contact me to discuss this further and answer any questions you may have.   Thank you.
 
*****
 
Deanna Early is the # 1 ranked … (6 comments)

franklin county: Don't Be Fooled, Find Out; Where Are They Really Located ? - 12/11/15 10:43 PM
As I often do, I went online and did a search for "Mortgages in Franklin County, Virginia".   After all, it's always good to know who else is out there and what products they offer.   I would say I was checking out the "competition" but I like to think I'm the best at what I do.   I have no other competition but myself and the expectations I try to live up to in my life.
Anyway, there was the usual list of banks and finance companies.   A number of them are not even in business anymore.   Some of … (4 comments)

franklin county: DEANNA EARLY has achieved # 1 status in Franklin County, Virginia ! - 12/10/15 04:11 PM
Oh my gosh, you'll never guess what I just realized.   I have been so busy being so busy that it just flew right by me and for a time, I missed it.   Then when I went to the home page, there it was . . . .  # 1.   I had to sit and look at it and take it in for a moment before yelling out, . . .  Yeeeee haaaaaaa !
Please do not take it that I am a show off or want a bunch of recognition.   Quite to the contrary, I am just tickled … (6 comments)

franklin county: Uneducated and Vulnerable - 12/10/15 03:41 PM
This is not an insulting blog about people that didn't finish school.   It is a realization that none of us are an EXPERT at everything.   Yes, we've called people a "know-it-all" or had that term pointed at us but it just ain't so.
Here's the deal.   Some people actually understand sophisticated calculations but are stymied when they try to decipher a mortgage.   People with college degrees and doctorates look at me with that "deer in the headlights" look when I put a mortgage package in front of them.
Don't be intimidated folks.   Mortgage loans ARE NOT EASY to figure … (5 comments)

franklin county: The "NEW" three most powerful words in real estate - 12/08/15 05:14 PM
For people in real estate, the profession has long recognized the phrase "Location, Location, Location" as the three words that describe the industry. You were always looking for the right school district, the right tax district, close to shopping or close to work.   The location of the house was critical.
Having been in the industry as a lender for over 30 years, I have seen a lot of changes but that phrase has remained applicable for a long time.   In the days of not too long ago, potential buyers would feel well served by someone who kept them focused on … (44 comments)

franklin county: My phone blew up today and it's your fault, ActiveRain - 12/08/15 04:07 AM
I had a tough day yesterday.   I had a deal that took a U-turn and I spent most of the day trying to restructure and rescue it.   I was also a little under the weather and my thumb is still hurting (previous blog).   I came home last night and crashed hoping today would be a better day.
Even before my alarm clock went off, my phone did.   Not just once but over, and over, and over.   After a while, I couldn't ignore it anymore, I had awakened the sleeping giant.   It appears the term "early risers" … (24 comments)

franklin county: I can't believe I finally did it, I'm into SIX figures ! Wooo hooo ! - 12/06/15 06:38 PM
When I started this blog many years ago, I was not diligent about writing and posting.   I didn't realize how important it was to put my thoughts into the mix of ActiveRain knowledge and experience.   Despite my slow start, I did occasionally offer a post expressing my opinion or insight.
As a beginner, I wasn't sure anyone cared.   I didn't think anyone read what I posted.   I wasn't getting any comments or responses from my blog and for a time, I abandoned it.   After a while, it got easy not to do any postings.
Then one day, someone … (44 comments)

franklin county: I do DOUBLEWIDE Mortgages and Refinancing - 12/06/15 03:52 PM
Franklin County, Virginia is a wonderful community and it has a diverse makeup of housing options.   We have stick built homes and modular homes as well as manufactured housing.   I find that there are a number of options for financing bricks and sticks homes but not as many for DoubleWides.
At American National Bank and Trust, we have home mortgage loans for DoubleWides.   We are your local community bank and we service the needs of our community.   So if you are considering the purchase of a DoubleWide, we need to talk.   There are some potential problems we … (3 comments)

franklin county: I saw it happen first hand ! - 12/04/15 03:53 AM
Last night, I went Christmas shopping with a whole lot of friends, colleagues and neighbors.   We also went to the community's annual Christmas tree lighting.   There was the usual assortment of carolers, dancers and speakers.
There was the big shopping spree giveaway, too.   The young girl running the drawing said "we called the winner's name and SHE already picked it up".   I said "no I didn't".   It took a second and then she laughed along with me.
As I was going in and out of stores, I was busy looking at all the displays and checking out prices. … (12 comments)

franklin county: Home Loans and Refinancing in Callaway, Va. - 12/01/15 05:26 AM
I like being the mortgage loan originator for Callaway, Virginia.   It gives me a reason to be in this quaint community at the foot of the Blue Ridge mountains.   From my earliest days here, I've always enjoyed taking a drive through the winding roads of western Franklin County, Virginia.
Whether you are looking for a lot, building a home on your own land or purchasing a new home, I am here in the community.   I am available to sit down with you, one on one, so we can go over your home mortgage options.
My name is Deanna Early and … (2 comments)

franklin county: Life can truly be wonderful ! - 11/30/15 04:10 AM
As everybody will attest to; Thanksgiving is over . . . . . . or is it ?   I have spent the last week preparing for, greeting, feeding, chatting, hugging, and yes; even kissing my relatives, friends and family who have spent the whole week or just last Thursday in and out of our home.   Yes, I need some rest !
As much as it would seem to be work to host this gathering, it isn't.   I love all of them and feel it an honor when they come to our home to join my husband and I for … (11 comments)

franklin county: Mortgages and Refinances in Bedford County - 11/26/15 11:53 AM
I know there are people right now that are living or moving to Bedford County, Virginia that need my help with a mortgage or refinancing.   I know this is true because I am hearing it from Realtors, friends and clients who live and work in many different areas within Bedford County.
Whether you live in Moneta, Virginia or Huddleston, Virginia; you are in my area near Smith Mountain Lake.   If you live in Goodview, Virginia or Body Camp, Virginia, I am right here to help you with your loan needs.
As a long time resident of this area, I was here … (1 comments)

franklin county: I made my mother-in-law happy today ! - 11/26/15 12:04 AM
Yes, it's Thanksgiving Day and the whole family, In-Laws and Out-Laws alike, are here at the house to celebrate.   Of course, being the cook I am, I started days ago with preparations and got up in the wee hours of this morning to finish the process.   My husband and I host the annual gathering and this year is no different, . . . well, for the most part anyway.
Unfortunately for me, this year IS  different.   Earlier this week I was doing my normal running here and there serving my client's mortgage needs.   Because I have multiple offices … (11 comments)

 
DEANNA C. SMITH CERTIFIED MOBILE NOTARY, Highest Ranked Certified Mobile Notary in Virginia (Certified Mobile Notary Signing Agent)

DEANNA C. SMITH CERTIFIED MOBILE NOTARY

Highest Ranked Certified Mobile Notary in Virginia

Smith Mountain Lake, VA

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