realtors: Enough Is Enough, This Has Got To STOP ! - 01/08/16 03:46 AM
I am the wife of a retired law enforcement officer and what happened in Philadelphia is just plain unacceptable.   This won't be a posting in regard to a new mortgage program so if that is what you were looking for, please move to the next page.   This is an expression of my outrage.
Maybe you have seen the photos or the video on your evening news and you know what I am talking about.   For those that don't, a Philadelphia Police Officer was driving his Philadelphia Police car down the street at 11:30 at night and an individual came … (3 comments)

realtors: As the cold arrives, your mortgage planning should be heating up ! - 01/07/16 09:15 AM
It's January in the northern hemisphere and we all know what that means.   It's time for your mortgage planning to be heating up !   That's right, mortgage planning.   I know, you look out at the grey overcast sky and you feel the frigid air blowing under your coat and say, . . . WHAT ?
It is getting cold outside in Virginia, a little later than most years, but winter is here.   When you get home from work, it's dark outside.   What better time than now to do your mortgage planning ?   Spring is just around … (2 comments)

realtors: Home Loans, Mortgage Loans, Home Mortgage Loans, Residential Home Loan - 01/06/16 04:06 AM
Isn't it amazing how one thing can have so many names ?   Why is that ?   It's all about marketing.   Every vendor wants to get your attention no matter what you call the thing you are looking for so they create as many possible names for it as they can.   The title of this blog is an exaggerated example.
I am in a business where I have to market myself but I'm not that much into the hype and splendor of it all.   I try to market myself as a hard working, dedicated professional that has my client's … (1 comments)

realtors: Important Mortgage Warning For Self Employed Individuals - 01/06/16 02:55 AM
As a Mortgage Loan Originator, I deal with folks of all different income brackets and lifestyles.   Yes, some of us remember the old TV show, "Lifestyles of the Rich and Famous" where people made big incomes and lived in big houses and drove fancy cars.   But getting a mortgage is a whole different ball game.   Appearances alone aren't enough.
For people with higher incomes, they commonly use their income in ways that can be deducted or "written off" on their annual Income Tax forms.   As a result, their tax burden is lower and they get to keep more … (6 comments)

realtors: It's the first Monday of 2016 and I'm back to Mortgages and Refinances - 01/04/16 04:31 AM
Wow, 2015 is over and done.   Well except for taxes on April 18th of 2016.   But that's a subject for another posting.   It is Monday of the first week in 2016.   Are you off to a good start this year ?   I sure hope so.
This year is going to be a great year and I am going to be working harder than ever to provide my mortgage and refinancing clients the best service possible.   As I do every year, I looked back at the pluses and the "whoops, my bad" situations of the previous 12 … (5 comments)

realtors: We were tested, and we failed. We will do better. I promise. - 12/22/15 07:02 PM
A few weeks ago, one of our Regional Managers sent a friend of his to the bank to check out our customer service.   He had been given my name to talk to about a mortgage.   The gentleman walked into one of our branch offices and announced to a teller that he was there to see Deanna Early.
Of course, the Regional Manager hadn't told anyone, especially me, that this gentleman would be coming in or when.   When he said he was there to see me, the teller assumed I had set an appointment and called my office phone to … (10 comments)

realtors: MERRY CHRISTMAS TO ALL ! - 12/22/15 05:43 AM
To all my friends and family,
to total strangers in this country,
and to all of the people across this planet;
Deanna Early is the # 1 ranked Mortgage Loan Originator in Franklin County, Virginia as scored by the ActiveRain real estate site.   She is a Nationally Licensed Mortgage Loan Originator located near Smith Mountain Lake, Virginia.   She does both purchase and refinance loans throughout the state of Virginia.   She is a residential loan originator for American National Bank and Trust.   She provides home mortgage loans, construction loans and lot loans as well as second or vacation home loans and … (6 comments)

realtors: On Christmas Eve, it will come back to you ! - 12/19/15 08:04 PM
Greetings everyone.   I hope you have completed your Christmas shopping by now and are getting ready to celebrate the big day tomorrow.   My husband and I have attended many parties and gatherings this year.   We never get tired of enjoying our time with friends and family at Christmas.
As I am sure you have realized by now, I am a Christian and believe in the true reason for the season; the birth of Christ.   I also believe in the love and compassion that comes with this time of year.   
Though I do not personally celebrate Hanukkah or Kwanzaa, I … (5 comments)

realtors: Mortgages and Refinances in Huddleston, Virginia 24104 - 12/19/15 06:42 PM
At Smith Mountain Lake, we have a number of amenities but did you know we have our own airport ?   No, it's not Atlanta or LaGuardia or LAX but it is a valuable resource for the Smith Mountain Lake community.
Do you want to learn to fly ?   Do you want aerial photos of your property ?   Do you want to fly in to check out our community ?   You can do all of these at the Smith Mountain Lake airport located in Huddleston, Virginia 24104.
I am the LOCAL Mortgage Loan Originator for this area so I know … (3 comments)

realtors: You hate it when you're put in this position, but you take it anyway ! - 12/19/15 05:19 PM
Sometimes, life just throws you a curve and you have to deal with it.   I do my job the best I know how and I work hard to service my clients.   Being a LICENSED Mortgage Loan Originator is NOT a 9 to 5 job for me.
I have worked hard for many years to achieve the level of knowledge and experience I have accumulated.   In more than 30 years of doing Virginia home mortgage loans, I know I have always been there for my clients.
My clients deserve the best I can give them.   They deserve having me available … (7 comments)

realtors: Here's the last minute tax write off you were looking for ! - 12/18/15 10:41 AM
This will be a short post because there's not much time left.   It's the end of the holiday season and here we are at the end of another year.   Do you need a last minute tax write off ?   No, I'm not a tax professional and this is not intended to be tax advice; just an idea for you to consider.
Through the year of 2015, we have seen numerous catastrophes and disasters across the country.   People have been left without homes or possessions and some have been injured or killed.
In each of these sudden and traumatic situations, two … (6 comments)

realtors: First Time Home Buyer Do's and Don'ts when getting a new home mortgage - 12/18/15 10:27 AM
As we prepare to enter a new year, I want my clients and prospective buyers to get off on the right foot.   To help First Time Home Buyers out and even to refresh the most seasoned veteran, here are some smart things to keep in mind as you approach your mortgage process.
Know that you can always call me BEFORE  you do anything to be sure it will not have a negative effect.   There are a lot of folks that will tell you a lot of things to do and sometimes they are telling you the WRONG thing to do.
I … (7 comments)

realtors: I am your Nationally LICENSED Virginia Home Mortgage Loan Originator ! - 12/18/15 10:21 AM
Virginia is MY state !   It doesn't matter whether you are in the north, south, east or western part of Virginia, this is MY state.   Unlike Realtors, who commonly work a limited area; as a Nationally Licensed Mortgage Loan Originator, I am capable of doing home mortgage loan business statewide.
In today's technological world, mortgages can be completed using phones, FAX and / or the Internet.   The process can be just as quick and simple as sitting down face to face.   I have a secure application form online for those that are Internet savvy to apply from the comfort of their home or office.
For … (2 comments)

realtors: Veteran's Home Mortgage Loans At Smith Mountain Lake, Virginia - 12/18/15 10:16 AM
I, myself, am a military brat.   That's right, I said it and I am proud of it.   Both my mother and father were members of the United States Air Force.   In return for their service, they have received many benefits.
Among those benefits, veterans have special home mortgage loan programs through the VA.   If you are a veteran of the United States military, first of all, let me say  THANK YOU FOR YOUR SERVICE.   Without our veterans and current service members protecting this country, we would not have the rights and privileges we all enjoy every day. … (4 comments)

realtors: Protect yourself against Identity Theft ! - 12/18/15 09:46 AM
I originally posted these tips before Christmas in 2013 but they still apply today.   Here's wishing you and yours a safe and happy holiday season. 
It's Christmas Time, Here's 10 Ways To Protect Against Identity Theft   BY DEANNA EARLYMortgage and Lending with American National Bank and Trust NMLS #268590 EMAIL  SHORT URL  December 13, 2013 03:21AM 
REPORT It's estimated that there were 10 million victims of identity theft in 2008, and 1 in every 10 U.S. consumers have reported having their identity stolen.   The numbers keep going up every year.
The U.S. Department of Justice reported in 2005 that 1.6 million households experienced fraud not related … (6 comments)

realtors: With rates increasing this week, I thought you would like to know - 12/18/15 07:42 AM
I originally posted this in 2013 and am now reposting it after this week's increase. Some things changed, others did not; but in 2016, these factors will still apply. 
Factors That Influence Interest Rates   BY DEANNA EARLYMortgage and Lending with American National Bank and Trust NMLS #268590 EMAIL  SHORT URL  September 20, 2013 12:16 PM 
REPORT Many buyers have started getting off the fence and we're seeing increasing home sales numbers due to the media hype of the rising interest rates.   As a result, we need to be able to explain the how and why this is happening in an intelligent manner to our buyers.
The buyers … (2 comments)

realtors: 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)

realtors: 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)

realtors: 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)

realtors: 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)

DEANNA  EARLY  -  -       ( NMLS  # 268590 ), Highest Ranked Mortgage Loan Originator Virginia (American National Bank & Trust)

DEANNA EARLY - - ( NMLS # 268590 )

Highest Ranked Mortgage Loan Originator Virginia

Smith Mountain Lake, VA

More about me…

American National Bank & Trust

Address: 12930 Booker T. Washington Hwy., Smith Mountain Lake, Va, 24101

Office: 540-721-2349

Fax: 540-721-0228

Email Me



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