local: It's Open Mic Night at the Mill Iron Grill ! - 03/26/16 11:18 AM
I'm starting this blog sitting in a booth listening to LIVE  music and nibbling on delicious mushroom poppers on a Saturday night.  The waitress, Crystal, just brought me a steak salad and it is a plate FULL.   The steak is so tender, you can cut it with a butter knife.   Does it sound like I am having FUN ?
My husband is tapping his foot and rockin' to the music.   His basket of chicken fingers and fries just came and he's having FUN too.   Excuse me, . . . . . . . . . . . . . … (1 comments)

local: Refinance Information in Bedford County, Virginia 24523 - 03/26/16 08:29 AM
My name is  DEANNA EARLY  and I am the Mortgage Loan Originator for Franklin County, Virginia and the surrounding area including the unincorporated areas of Bedford County, Virginia.   I have over 30 years in the mortgage industry creating and closing Virginia home mortgage loans and refinances.   I am Nationally Licensed ( #268590 ) by the NMLS.
I do refinancing for existing homes anywhere in the state of Virginia.   If you are thinking about refinancing your home, there are many questions and considerations to think about BEFORE  proceeding.   Contact me so we can sit down and go over your various options together to formulate a … (2 comments)

local: GRANT program, . . . . . FREE MONEY ! . . . . . Update for Realtors - 03/26/16 04:33 AM
I have been inundated with calls, emails and Realtor questions about the FREE MONEY available through the mortgage down payment GRANT program here in  V I R G I N I A  that I announced to everyone in my post; 
Up To $ 8,000.00 in FREE MONEY Available! Better Contact Me NOW!
I am thrilled with the number of people and Realtors that are taking advantage of this fabulous offer.   YES, it means a lot more work for me and hopefully, a little bump in my paycheck but there's a BIGGER reason I am so happy.   This program is designed to help … (3 comments)

local: Refinance Information in Pittsville, Virginia 24139 - 03/25/16 12:12 AM
My name is  DEANNA EARLY  and I am the Mortgage Loan Originator for Franklin County, Virginia and the surrounding areas including Pittsville, Virginia in Pittsylvania County.   I have over 30 years in the mortgage industry creating and closing Virginia home mortgage loans and refinances.   I am Nationally Licensed ( #268590 ) by the NMLS.
I do refinancing for existing homes anywhere in the state of Virginia.   If you are thinking about refinancing your home, there are many questions and considerations to think about BEFORE  proceeding.   Contact me so we can sit down and go over your various options together to formulate a plan.
Are you … (1 comments)

local: Up To $ 8,000.00 in FREE MONEY Available ! Better Contact Me NOW ! - 03/24/16 07:43 AM
WOW, did I get your attention with that title ?   I hope so !   Is this for real,  you're asking yourself.   It is absolutely real  but, . . . . . and there's always a BUT; . . . . . this is for a LIMITED TIME  !   YOU need to contact ME for more details and to see if you qualify, . . . . . and you need to do it NOW !
This money will not last indefinitely so I cannot guarantee I will still have it available if you wait until tomorrow or next week … (9 comments)

local: To Lock or Not To Lock, That Is The Question ! - 03/21/16 06:49 PM
It's Friday, mid afternoon and I call my client.   I'm trying to reach her because we have her loan package all but done.   The time has come for her to make a decision.   Should she lock in her interest rate or let her loan sit over the weekend in hopes the rate might drop by Monday morning.
Does she want the rate I have today or does she want to wait ?   I can't reach her so I leave her a message.   If I'm going to lock this rate, I need her to tell me to go … (1 comments)

local: Help me please ! "Soles For Souls" needs your help today ! - 03/21/16 05:40 PM
Now I know if your closet floor looks like mine, . . . . . Yep, it's a mess.   When I open the closet door, there's a mess of shoes right there.   Some I've hardly even worn and some are well broken in.   But I'm going to clean my closet out this year and those shoes, . . . . . well, they are going to a great cause !
Have you heard of this ?   "Soles For Souls", is a catchy name for a worthwhile agency.   So, I ask you; will you "Help me please ?" … (9 comments)

local: Don't forget, TORNADO DRILL TODAY 03-22-2016 at 9:45am - 03/21/16 05:02 PM
Yes folks, it's that time of year again.   Tornado season is just around the corner and it's time to get prepared.   Do you have your emergency kit with water, batteries etc. ready ?   Do you have a meeting point that EVERYBODY  in your family knows to go to in case of an emergency ?
The time is NOW and TODAY to practice these things BEFORE  it is too late ! We all saw the horrible destruction and deaths caused by the recent tornado touch down in Appomattox County.   We all remember seeing similar damages in Pulaski County not … (5 comments)

local: The Franklin County Moonshine Fest is coming soon! Make plans NOW ! - 03/21/16 12:56 AM
Get ready folks, it's that time of year again.   It's time for the Franklin County Moonshine Fest !   Yeee haaaa !   For you folks that have NEVER  tried a little "shine", here's your chance.   Get this, it even comes in flavors for those of you with a discerning palate !   So, come on down !
The Franklin County Moonshine Fest is on April 22nd and 23rd in Rocky Mount, Virginia.   On Friday night, there will be a concert AND some good ol' shine tastin'  for those brave enough to try some.   It's locally distilled.
All day … (5 comments)

local: My husband is SICK ! No, I mean really SICK ! - 03/20/16 11:55 AM
No; he doesn't need your sympathy or a get well soon card but this man is really ill !   He has an acute case of CABIN FEVER  !   You see, he loves to work in the yard and he always has a whole list of "to do" projects.   He has been waiting and waiting for the weather to break so he can get started.
He doesn't plant any flowers or trees before April 1st.   He says anyone around here that does that is an "April Fool" because we often get sub freezing temperatures, like tonight, up until the first … (7 comments)

local: Refinance Information in Gretna, Virginia 24557 - 03/16/16 01:06 PM
My name is  DEANNA EARLY  and I am the Mortgage Loan Originator for Franklin County, Virginia and the surrounding areas including Gretna, Virginia in Pittsylvania County.   I have over 30 years in the mortgage industry creating and closing Virginia home mortgage loans and refinances.   I am Nationally Licensed ( #268590 ) by the NMLS.
I do refinancing for existing homes anywhere in the state of Virginia.   If you are thinking about refinancing your home, there are many questions and considerations to think about BEFORE  proceeding.   Contact me so we can sit down and go over your various options together to formulate a … (1 comments)

local: URGENT ! Please, you must respond before midnight TODAY 03-16-2016 - 03/16/16 02:43 AM
For locals and other readers alike, I am asking for your help, TODAY !   Please check out the attached video.   It is about the ONE DAY ONLY effort to assist numerous charity organizations across the Roanoke Valley area of southwest Virginia.   This is the first time this has been done so it hasn't been as publicized as we would like but it is for so many good causes.
 
WE  NEED  YOUR  HELP !
 
The organization is called "Roanoke Valley Gives".   It's similar in function to United Way but on a more localized and targeted basis.   There are 125 charities … (18 comments)

local: What's the difference - Pre-Approved vs Pre-Qualified - 03/15/16 12:51 PM
Once again, my friend, Joseph Metzler has written an excellent blog posting on a critical mortgage point.   He has a habit of creating valuable posts and I am proud to repost it here in my blog.   Buyers and Realtors both can benefit from a better understanding of why "pre-APPROVED" is so important !
Everyone knows it is smart to get lender Pre-Approved before starting to look for a home, yet many people are actively looking at homes thinking they are Pre-Approved, when in reality, they are only Pre-Qualified.
Pre-Approved or Pre-Qualified? So what is the difference?
 
As a Loan Officer … (4 comments)

local: Is Radon Living in your Carroll County, MD Home? - 03/14/16 08:13 AM
I came across this excellent post by a newbie in ActiveRain.   It was so well written and easy to understand, I wanted to share it with my readers, too.   Take note of this important issue as it relates to YOUR personal health, your clients and others just like in the home market area of Melissa E. Spittel, Realtor
 Radon, invisible and a health risk, is prevalent in some homes in Carroll County.  Is radon living in your Carroll County, MD home?
 
What Is Radon?
Radon is a naturally-occurring radioactive gas that is colorless, odorless and tasteless. It is formed … (4 comments)

local: Refinance Information in Pittsville, Virginia 24139 - 03/13/16 05:38 AM
My name is  DEANNA EARLY  and I am the Mortgage Loan Originator for Franklin County, Virginia and the surrounding areas including Pittsville, Virginia.   I have over 30 years in the mortgage industry creating and closing Virginia home mortgage loans and refinances.   I am Nationally Licensed (#268590) by the NMLS.
I do refinancing for existing homes.   If you are considering refinancing, there are many questions and considerations to think about BEFORE proceeding.   Contact me so we can go over your various options together.
Are you looking for cash out for a major purchase or are you needing just a small amount of cash for … (0 comments)

local: Refinance Information in Pittsylvania County, Virginia - 03/13/16 04:25 AM
My name is  DEANNA EARLY  and I am the Mortgage Loan Originator for Franklin County, Virginia and the surrounding areas including unincorporated Pittsylvania County, Virginia.   I have over 30 years in the mortgage industry creating and closing Virginia home mortgage loans and refinances.   I am Nationally Licensed (#268590) by the NMLS.
I do refinancing for existing homes.   If you are considering refinancing, there are many questions and considerations to think about BEFORE  proceeding.   Contact me so we can go over your various options together.
Are you looking for cash out for a major purchase or are you needing just a small amount of … (0 comments)

local: " Put a BEEP where you SLEEP ! " - 03/12/16 01:04 PM
Yes folks; it's that time again.   When the time changes, it is also when the fire service recommends you change the batteries in your smoke detectors.   It is suggested that you change them twice a year  because you never know how long the batteries sat on the store shelf before you bought them.
I posted the following message last fall when we changed our clocks the last time.   In the interest of saving lives, I am reposting it tonight as we are within hours of the change.   I hope you will take this seriously and remind other loved … (5 comments)

local: Take A Beautiful Tour Of Smith Mountain Lake, Virginia With Us ! - 03/10/16 08:58 AM
Get ready to come along for a tour with us of the largest inland body of water in the state of Virginia.   One of the great Realtors here at Smith Mountain Lake, Virginia put together a wonderful video showing how beautiful our lake and community is so try to see yourself here with us.
Penny Hodges has been showing and selling properties here at Smith Mountain Lake, Virginia for many years.   At one point, our offices were across the hall from each other for several years.   I appreciate Penny creating this video and sharing it with me, you and … (6 comments)

local: With The Recent Record High Temperatures, BEWARE; THE BUGS ARE BACK ! - 03/10/16 07:15 AM
Hasn't the unusually warm weather on the east coast been wonderful ?   How many of you got outside and stretched those tired winter muscles ?   I got out and enjoyed it too.   Ahhhh, fresh air !
Here at Smith Mountain Lake, Virginia; the boats have reappeared on the water with the clear, warm days.   The sounds of their motors zipping by our cove headed for the prime fishing area just past us.   The ground has even begun to dry out and stiffen as the water table sifts deeper into the soil.
Had to blow the leftover leaves off … (3 comments)

local: Do You Ever Read The Fine Print ? You Should. It's Important ! - 03/09/16 02:05 AM
I ask this question of my readers because I often wonder, do you read the fine print ?   It's always been there at the bottom of the page but did you notice it ?   I have been posting blogs on ActiveRain for many years and lots of you have been following and reading and commenting on my site.
A lot has changed over time but through perseverance, I'm still here.   I hope you have and will continue to find this blog either informative, entertaining or at least; worth your time investment.   I appreciate ALL my readers and hope … (4 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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Certified Mobile Notary Signing Agent

Address: 12787 Booker T. Washington Hwy., Suite 104-224, Smith Mountain Lake, Va, 24101

Mobile: 540-529-0325

Office: 540-719-1465

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