Alison Creamer, Hampton Roads REALTOR®

Comprehensive guide to home buying prepardness

alisonCreamer@gmail.com (Alison Creamer) — Mon, 22 Sep 2025 12:08:00 -0300

Here's a comprehensive guide to preparing for home buying over the next 3-6 months, prioritized by importance and time required: 1. Credit Score and Financial Preparation (HIGHEST PRIORITY) - Time Required: 3-6 months - Impact: MOST CRITICAL - Specific Actions: * Check your credit report and score * Dispute any errors on your credit report * Pay down existing debts * Avoid opening new credit lines * Aim to get your credit score above 700 if possible - Why This Matters: Your credit score directly determines mortgage rates and loan approval. Even a small improvement can save thousands over your loan's lifetime. 2. Savings and Budget Assessment (HIGH PRIORITY) - Time Required: 2-4 months - Impact: VERY HIGH - Specific Actions: * Save for down payment (aim for 3.5%-20%) * Calculate affordable monthly mortgage payment * Build emergency fund (3-6 months of expenses) * Get pre-approved for a mortgage * Determine your total home buying budget - Recommended Breakdown: * Down Payment: 3.5% (FHA) to 20% (conventional) * Closing Costs: 2-5% of home price * Emergency Fund: Separate from down payment 3. Research and Education (MEDIUM PRIORITY) - Time Required: 1-3 months - Impact: MODERATE - Specific Actions: * Research neighborhoods * Understand first-time homebuyer programs * Learn about different mortgage types * Attend first-time homebuyer workshops * Interview potential real estate agents Prioritization Breakdown: 🔴 Most Time-Consuming: Credit Repair 🟠 Moderate Time: Savings Accumulation 🟢 Quickest: Market Research Additional Recommendations: - Get pre-approved before house hunting - Consider first-time homebuyer programs - Factor in additional costs: property taxes, insurance, maintenance - Don't forget closing costs and moving expenses Potential First-Time Homebuyer Programs in Virginia: - Virginia Housing Development Authority (VHDA) programs - Down payment assistance grants - Special loan programs for first-time buyers Red Flags to Avoid: - Large purchases on credit - Changing jobs - Missing bill payments - Opening new credit cards Recommended Timeline: - Months 1-2: Credit repair, initial savings - Months 3-4: Continued savings, mortgage pre-approval - Months 5-6: House hunting, making offers Would you like me to elaborate on any of these steps or provide more detailed guidance on preparing for home ownership?

Can you follow up to much? When being proactive is to much for someone.

alisonCreamer@gmail.com (Alison Creamer) — Mon, 15 Sep 2025 12:02:33 -0300

When being proactive is to much for someone Real estate has always been more than just transactions to me—it’s about relationships, trust, and the commitment to helping people move forward in their lives. That’s why, when Mrs. B called me in October 2024, distraught and overwhelmed, sharing that her buyer had backed out due to issues with the HOA, I felt her pain deeply. "I’m about to cry," she wrote, a sentiment that hit me hard. I knew this wasn’t just about selling a property; it was about finding solutions and relieving the immense stress she was under. From that moment, I sprang into action. I assured her that we’d explore every possible avenue to get her condo sold. Within hours, I was researching the market, reaching out to trusted loan officers I’d worked with for over 15 years, and gathering every bit of information that could help. I visited the condo, walking through every room, taking photos, and assessing what needed to be done to attract buyers. My intention was clear: to get this property sold quickly and for the best possible price. The Plan: Prepared for Success Understanding the nuances of the market and her unique challenges, I outlined a step-by-step plan. I suggested minor repairs, paint touch-ups, and a deep cleaning—not to create more stress, but because I knew these small efforts could significantly increase the home’s appeal and value. I even connected her with affordable contractors who could handle the work at a fraction of the cost. I kept the communication flowing, checking in regularly to keep her updated and offering reassurance. “Let’s get some information,” I told her early on. “We’ll figure this out together.” The Turning Point: Miscommunication and Misinterpretation Despite my best efforts, something shifted. Mrs. B began to perceive my frequent follow-ups and detailed plans as pushy. She referenced a past cash sale that had gone smoothly and seemed to compare that experience to the current market, where financing complications were more common. She expressed frustration, feeling overwhelmed by the photos I’d shared of the property and the suggestions I’d made for its preparation. I was shocked. Every action I had taken was rooted in my desire to help her achieve the best outcome. To hear that my dedication was being interpreted as pressure was a blow—not just to my professional pride, but to the values I’ve built my career upon. A Final Attempt to Clarify I took a deep breath and wrote back to her, expressing my disappointment and trying to clarify my intentions. “I’m deeply disappointed to hear your perception of my efforts,” I wrote. “My priority has always been to provide top-tier service. I acted with urgency, dedication, and professionalism to ensure your condo would achieve the best possible outcome.” I explained that my suggestions and photos were meant to empower her with knowledge, not to overwhelm her. I reminded her that the market had changed since her last experience and that I was focused on securing the highest net for her, even amidst the challenges. While I respected her decision to move forward with another agent, I wanted her to know how deeply I cared about getting this right for her. Lessons Learned: The Complexity of Real Estate This experience was a reminder of the complexities of real estate—how even the best intentions can sometimes be misunderstood. For me, it reinforced the importance of clear communication and empathy. Every client is unique, and while some appreciate a proactive approach, others may interpret it differently. Despite the outcome, I remain proud of the work I did for Mrs. B. My efforts weren’t about self-interest; they were about helping a client navigate a difficult situation. I hope she finds success with her sale and peace of mind in her new chapter. For me, this is another chapter in a long career dedicated to doing what’s best for my clients—always with integrity, care, and professionalism.

2025 start up episode 1:

alisonCreamer@gmail.com (Alison Creamer) — Fri, 10 Jan 2025 17:06:24 -0400

Well, after taking a few years off, I figured I’d put this back up. With everything going on in the world and my chaotic brain sometimes it helps to just organize these things.

October HRVA- buy or wait?

alisonCreamer@gmail.com (Alison Creamer) — Mon, 18 Nov 2024 08:50:00 -0400

Have you been thinking about the Real Estate opportunities you are missing? In this episode, we review if now is an excellent time to secure the home. Prices are still rising, so you may want to secure your position sooner rather than later. Or do you think prices and rates will plummet and you prefer to wait?

Why are some Realtors successful

alisonCreamer@gmail.com (Alison Creamer) — Sat, 16 Nov 2024 08:48:23 -0400

What Sets Successful Real Estate Agents Apart?

In the competitive world of real estate, some agents consistently thrive while others struggle to find their footing. What’s the secret? Successful agents have unlocked key strategies that go beyond the basics of showing homes and closing deals. They focus on building relationships that last a lifetime, creating systems that keep their businesses running smoothly, and staying ahead of market trends. They know how to connect with clients on a personal level, tailoring their approach to meet unique needs and lifestyles.

Equally important, top agents master the art of negotiation, market their listings like pros, and make lead generation a daily habit. They’re adaptable, investing in education and technology to maintain their edge. Emotional intelligence and resilience are also critical—helping them navigate setbacks and keep their clients calm during the often-stressful home-buying or selling process.

In this episode, we’ll unpack these success factors and share how you can apply them to your real estate career. Whether you’re a seasoned agent looking to level up or just starting out, this conversation will provide actionable insights to help you stand out in the market. Tune in, and let’s discover what it takes to go from surviving to thriving in real estate!

How we estimate market value

alisonCreamer@gmail.com (Alison Creamer) — Thu, 31 Oct 2024 10:25:06 -0300

What factors are driving the list-to-sale price ratios and days on market in this neighborhood?

How does the pricing strategy for 1837 N Lakeland Drive align with the market data and trends identified in the analysis?

What are the key marketing strategies outlined in the analysis, and how are they intended to maximize the sale price and minimize the days on market?

Oregano oil and wart removal

alisonCreamer@gmail.com (Alison Creamer) — Wed, 01 Feb 2017 14:30:01 -0400

The use of essential oil's for medicine has been around for centuries. Today I will share with you how oregano oil and Melissa oil removed a wart. After being diagnosed and receiving a prescription for traditional medicine I decided to go to my essential oil cabinet instead. The results were quick and non-toxic ! If you're interested in hearing more about essential oil's or my personal journey I would love to share. I preferred to use doTERRA and I would be happy to tell you why. Www.mydoTERRA\Alison Creamer

Bob Greeley - Certified Home Inspector

alisonCreamer@gmail.com (Alison Creamer) — Fri, 27 Jan 2017 19:18:08 -0400

Robert Greeley
(Certified Inspector)
Home Inspections Plus LLC
Virginia Beach VA 23452
757-677-6327
www.hiplusllc.com
License number: 2012-247187-R

Additional services offered :

High End Homes/ Estates
Multi-Family Homes (Condos/Apartments)
Single Family Homes
Flooring

Information provided about the background and services of individual inspectors is offered as a courtesy only and has not been verified by ASHI. ASHI assumes no liability for accuracy of this information. We urge you to confirm this information with the inspector when you contact them.

Every home is perfect for someone. But is it perfect for YOU? Our mission is to help you discover whether the house you're thinking about buying is what it appears to be on the surface. We all know people who bought their "dream home" and then found out it needed major, unexpected repairs. We do our best to ferret out things that you may not expect so your purchase leaves you happy and as stress-free as possible. Sellers: Wouldn't you like to know what your buyer's inspector will say in advance? Want to head off last-minute allowances and repair things on your schedule? You need us! We also handle multi-family properties. We are licensed, insured, and rated A+ by the Better Business Bureau of Hampton Roads, VA..

Bob Greeley - Certified ASHI Home Inspector

Home Inspections Plus, LLC (757) 677-6327

How an electric fireplace saved a deal

alisonCreamer@gmail.com (Alison Creamer) — Thu, 26 Jan 2017 10:39:53 -0400

So what happens when you come across negotiations that seem to be unsurmountable. Here's a quick story on how two licensed agents with experience came together to save the deal and how the electric fireplace made everybody happy

Handeling a bad online review

alisonCreamer@gmail.com (Alison Creamer) — Wed, 30 Nov 2016 15:44:07 -0400

To my surprise I had a terrible yelp review. This podcast talk that how I handled it. If you would like to read the review in my response visit www.sellhamptonroadshome.com in the blog section

Modern Femme Movement

alisonCreamer@gmail.com (Alison Creamer) — Fri, 18 Nov 2016 18:24:39 -0400

What is the Modern Femme Movement? This podcast we got to chat with Katy Blevins, co-founder of of this community of women that has come together to support and build one another to be their best self.

Modern Femme Movement is a spacw where women can show upa nd talk about what is going on in their business and personal lives. A life we dream about.

What do I want my life to be like?

What do I need to do to actualize this?

Lead with love...

Katy Blevins

katy@modernfemme.com

James Walrod - A Buyers Story

alisonCreamer@gmail.com (Alison Creamer) — Fri, 18 Nov 2016 00:57:32 -0400

A memorable real estate success story when you partner with the right loan officer! I have been doing business with James Walrod for many years and I trust him because he always makes good choices for my clients.

James Walrod - Senior Loan Officer NMLS 260324

Veterans United Home Loans

C: 757-274-3444
E: james.walrod@vu.com

VUJamesWalrod.com

So you want to be a REALTOR®?

alisonCreamer@gmail.com (Alison Creamer) — Thu, 17 Nov 2016 10:44:01 -0400

In the past two years I have had many clients and friends talk about getting a real estate license. I think it is a job that anybody with passion, grit and determination can be successful at. I just want to make sure that you understand what it really takes.

So in is podcast I give you the first key factors in setting up your business whether it be in real estate sales or any other business that you're trying to accomplish.

1. Get your real estate license

2. Find a Broker ( I LOVE Keller Williams ) feel free to ask my why

3. START your DATABASE !!!!!

Alison Creamer - Virginia Beach REALTOR® since 2002

Manolita Holadia - Personal Injury Lawyer

alisonCreamer@gmail.com (Alison Creamer) — Wed, 02 Nov 2016 15:59:06 -0300

This weeks podcast is with Manolita Holadia who is a personal injury attorney with the Joynes & Gaidies law firm located in Virginia Beach.
What do you do if you get injured in an accident? What things does a personal injury attorney need to take on your case? What it takes to be an attorney and why is Manny so passionate about what she does?
Manolita Holadia 757-486-3000 www.joyneslaw.com

Virginia Art With Heart

alisonCreamer@gmail.com (Alison Creamer) — Fri, 21 Oct 2016 16:28:31 -0300

Virginia Art With Heart - helps local creative professionals to help them sell their art to give back to the creative community!
EVENT: "Come as you art" October 30, 2016 6pm-9:30pm at Mangia Qui Italian Bistro in Virginia Beach. COME DRESSED as your favorite famous artist, musician, artwork, chef...get creative.... for a chance to win free dinner!!!
This event is to benefit Make-A-Wish Foundation.
Follow Virginia Art With Heart on Facebook: https://www.facebook.com/VAARTwithHeart/

Antwain Britt

alisonCreamer@gmail.com (Alison Creamer) — Wed, 19 Oct 2016 11:17:58 -0300

This week's podcast was with Antwain Britt - retired former Mixed Martial Arts fighter. He went from 320 pounds to being a UFC Strikeforce fighter!
He is also known as Juggernaut - the guy who did first round knockouts in all his amateur fights.
How does being a MMA fighter relate to purchasing your first home? It takes commitment and even sacrifice if you want to reach whatever goal you are trying to achieve.
Antwain Britt - Owner Operator at Pride Training Center

Busting myths about real estate

alisonCreamer@gmail.com (Alison Creamer) — Thu, 29 Sep 2016 13:53:42 -0300

Today's episode is a very short conversation about myth busting Real estate perception. There so many people that earn a real estate license or dream to get a real estate license and think that business is just going to come by osmosis. Trust me when I say it's going to take a minimum of 3 to 5 years for things to just flow your way. Work the hours or spend the money is the best advice I can give you. I was lucky enough to start on a strong team with an amazing mentor. My suggestion is take every class you can, treat this as a career not a job, and be willing to commit to the hours.

Brian LaRoche - Wealth Management

alisonCreamer@gmail.com (Alison Creamer) — Mon, 19 Sep 2016 14:15:54 -0300

This weeks podcast is with Brian LaRoche who specializes in wealth management.
What are the areas people should focus on when starting your wealth plan? The purpose of all savings is to build income for your future. So the one question you should ask is.. "How does this effect my ability to create income when I retire?"
His speciality it talking about designing a financial plan. When you are 65-70 what will you wish you knew when you were between 30-55? How much you spend on your house has a huge impact on your financial ability to to do other things. How much should you spend on your house as a percentage of your income? What things do people not account for when owning a home?
LaRoche Wealth Management http://www.larochewealth.com (757) 498-1911 blaroche@financialguide.com

What is title insurance and why you need it

alisonCreamer@gmail.com (Alison Creamer) — Mon, 12 Sep 2016 21:04:02 -0300

What is title insurance and why is it important to purchase it!

Podcast with Carol Hare who is Underwriting Counsel with Fidelity National Title Ins. Company. Owner's title insurance is optional in Virginia but Carol shares some great examples of great reasons why you need to purchase it.
When you refinance a home do you need to purchase title insurance again? Do you have sufficient coverage?

Q & A with a real estate appraiser

alisonCreamer@gmail.com (Alison Creamer) — Mon, 12 Sep 2016 19:47:33 -0300

I had the pleasure of chatting with Betsy Hughes, SRA with BK Appraisals. Appraisers holding the SRA designation have met rigorous requirements relating to education, testing, experience and demonstration of knowledge, understanding, and ability. This designation sets her apart from the typical residential appraiser. In order to maintain the designation continuing education above the state requirements is required.
We asked some of our listeners what things do you want to ask a real estate appraiser:
What are the requirements that a real estate appraiser is looking for when determining the appraised market value?

Does it help for a real estate agent to forward upgrades and comparables to help determine sales price?
What are the value of swimming pools and acreages?
What are the adjustments for bedroom count?

BK Appraisals (757) 219-2838