HarrisonburgHousingToday.com :: Market Updates, Analysis and Commentary on Harrisonburg and Rockingham County Real Estate

The Townes at Bluestone (HarrisonburgTownhouses.com)

Scott Rogers — Tue, 07 Feb 2012 05:30:08 -0500

Here is an example of the type of information you'll find on HarrisonburgTownhouses.com.

Nestled in the woods of the Bluestone Hills neighborhood, The Townes at Bluestone is convenient to everything. Within just a one–mile radius, you will find more than 40 restaurants, major department stores, a 14 screen movie theater and a state–of–the art fitness center. The Townes at Bluestone offers an array of amenities including single and double–car garages, nine–foot ceilings, crown molding, and extensive windows. This community is still under construction and is being developed by OakCrest Builders out of Winchester, VA.

Streets in The Townes at Bluestone include: Deyerle Avenue, Blue Stone Hills Drive, Lapis Lane, Sapphire Drive and Tanzanite Drive.

Properties Currently For Sale...

348 Blue Stone Hills Dr, Harrisonburg, VA 22801 2 bedrooms, 2.5 bathrooms, 1,617 SF	$214,900	more info
375 Blue Stone Hills Dr, Harrisonburg, VA 22801 3 bedrooms, 2.5 bathrooms, 1,436 SF	$204,900	more info
371 Blue Stone Hills Dr, Harrisonburg, VA 22801 2 bedrooms, 2.5 bathrooms, 1,436 SF	$203,900	more info
379 Blue Stone Hills Dr, Harrisonburg, VA 22801 3 bedrooms, 2.5 bathrooms, 1,436 SF	$197,900	more info

Below you will find details of sales in this neighborhood during the past 24 months.
If you have any questions about these sales, please let me know. This data is updated twice per month.

10/31/2011	381 Blue Stone Hills Dr, Harrisonburg, VA	2 BR	2.5 BA	1,436 SF	$204,000
9/30/2011	383 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	2.5 BA	1,582 SF	$213,510
9/15/2011	377 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	2.5 BA	1,436 SF	$199,900
8/12/2011	2191 Deyerle Ave, Harrisonburg, VA	2 BR	2.5 BA	1,617 SF	$200,000
5/2/2011	373 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	3.5 BA	2,119 SF	$211,000
12/22/2010	360 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	3 BA	2,193 SF	$210,000
11/12/2010	369 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	2.5 BA	1,582 SF	$218,550
9/23/2010	364 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	2.5 BA	1,617 SF	$226,225
5/4/2010	362 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	2.5 BA	1,617 SF	$218,500
4/22/2010	346 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	2.5 BA	1,617 SF	$193,000
2/26/2010	358 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	2.5 BA	1,617 SF	$204,000
2/17/2010	356 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	3.5 BA	2,088 SF	$245,000
2/12/2010	366 Blue Stone Hills Dr, Harrisonburg, VA	3 BR	3.5 BA	2,088 SF	$235,150

Governing Documents:

Supplemental Declaration Of Covenants, The Townes At Bluestone
The Townes At Bluestone, Plat
Plat Of Lot Lines, BlueStone Hills

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

60 buyers will be signing contracts this month, how can we make sure one of them picks your house?

Scott Rogers — Mon, 06 Feb 2012 06:30:52 -0500

Last February, 60 buyers signed contracts to buy homes in Harrisonburg and Rockingham County, and I expect about the same number to commit to properties this February. With 678 homes on the market, how do we make sure they pick your home?

PRICE – First and foremost, we need to examine how your home stacks up to the competition when it comes to pricing. Are most other comparable homes priced below your list price? Very close to your list price? Perhaps we need to undercut the competition to make a buyer ready to commit based on the value and opportunity offered by your home.

MARKETING – Is your property marketed broadly and effectively? Does the marketing plan for your home focus first on the primary three ways (internet, sign, Realtor) buyers find the homes they purchase? Do the property photos, brochures, and online presence accentuate your home's strong points?

CONDITION – To the extent that we can generate showings through competitive pricing and appropriate and effective marketing, let's also make sure buyers are even more impressed when they view your home in person. Eliminate distractions and potential objections that buyers might perceive when walking through your home.

FOLLOW UP – We'll also need to proactively and persistently follow up with buyers (or their Realtors) that have viewed your house. What are their questions, their hesitations, their objections? What additional information can we provide them, or solutions can we research for them?

There are certainly some aspects of selling your house that are out of our control, but we do have the ability to affect the price, marketing and condition of your home to maximize the possibility that a February buyer picks your home!

Have questions? Need help? Ready to sell? Call me at 540–578–0102 or e–mail me at scott@HarrisonburgHousingToday.com.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

January 2012 - typical sales, strong contracts

Scott Rogers — Sun, 05 Feb 2012 06:14:35 -0500

In a few day I'll be releasing my full monthly market report. Until then, you might find the following quick stats interesting.....

January 2012 home sales = 39
January 2011 home sales = 40

Thus, if last year was a typical year for home sales (up 4% from the prior year) then this January came in right in line with last year's sales. Actually, one sale shy of last year's data.

January 2012 contracts = 60
January 2011 contracts = 49

As a good indicator for February and March, contract numbers were quite strong during January!

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

Average mortgage interest rates (3.87%) break historic low levels, again

Scott Rogers — Sat, 04 Feb 2012 06:44:53 -0500

Not only have 30–year fixed mortgage interest rates been at or below 4% since November 3rd, they also hit an all–time low this past week at 3.87%.

Buying a median priced home a year ago:
   Price: $180,000
   Interest Rate: 4.81%
   Monthly Payment: $884 (assuming 80% LTV)

Buying a median priced home now:
   Price: $174,900
   Interest Rate: 3.87%
   Monthly Payment: $781 (assuming 80% LTV)

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

U.S. Unemployment Rate Falls Again, to 8.3%

Scott Rogers — Fri, 03 Feb 2012 08:52:59 -0500

This is one economic indicator that I am happy to see heading downward. There are still lots of people who are not able to find work, but this trend is headed in a great direction.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

Harrisonburg Population Tops 50,000

Scott Rogers — Thu, 02 Feb 2012 07:02:59 -0500

As reported in the Daily News Record this week, the Weldon Cooper Center's population projections show that Harrisonburg has now surpassed a population of 50,000.

There was a remarkable 2.3% population growth in the City over the past year –– certainly a good sign for the local economy and housing market.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

Virginia housing market shows signs of returning stability

Scott Rogers — Wed, 01 Feb 2012 11:43:16 -0500

The Virginia Association of Realtors has released the 4th Quarter 2011 Virginia Home Sales Report, and for the second consecutive quarter there has been an increase in the annualized pace of home sales in Virginia.

Click the image below to download the full market report as a PDF.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

HarrisonburgTownhouses.com, your comprehensive source for information on townhouse communities in and around Harrisonburg, Virginia

Scott Rogers — Tue, 31 Jan 2012 05:34:49 -0500

Exciting news... today I launched HarrisonburgTownhouses.com, your comprehensive source for information on townhouse communities in and around Harrisonburg, Virginia, including, for each community�.

a photo tour
the size and age of the neighborhood
an overview of the floor plans available
property owner association dues
trend data showing the pace of sales and changes in market value
a neighborhood map
properties currently for sale
recent sales in the neighborhood
restrictive covenants and a plat

This detailed information is available for the following townhouse communities....

Why, you might ask, did I compile all of this information? One of my professional goals is to provide as much real estate related information as possible to the Harrisonburg and Rockingham County community as a service to homeowners, buyers, sellers, Realtors, business professionals and local government agencies. To that end, I have created HarrisonburgTownhouses.com as a clearinghouse for information about townhouse communities in and around Harrisonburg, Virginia.

Here are a few of the other web sites that I have created that might be of interest to you�.

HarrisonburgHousingMarket.com – Here you'll find the most recent edition of my monthly market report on the local housing market.
HarrisonburgNewHomes.com – A listing of new home communities that I am currently marketing for sale in and around Harrisonburg.
HarrisonburgForeclosures.com – Upcoming trustee sales (property auctions at the courthouse).
HarrisonburgREO.com – Currently available bank owned (REO) properties.
HarrisonburgShortSales.com – Currently available properties that are potential short sales.
HarrisonburgLeasePurchase.com – Currently available properties where the owner will consider a lease/purchase option.
HarrisonburgOwnerFinancing.com – Currently available properties where the owner will consider providing owner financing.
HarrisonburgPropertyTransfers.com – A record of recent property transfers (with or without a Realtor).

If you are considering buying or selling a property in Harrisonburg or Rockingham County, please contact me (Scott Rogers) at 540–578–0102 or scott@HarrisonburgHousingToday.com, as I would be delighted to have the opportunity to work with you in your purchase or sale.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

More people are moving into Virginia than out

Scott Rogers — Mon, 30 Jan 2012 08:51:08 -0500

In another positive sign for Virginia's economy and thus housing market, there seem to be more people moving into Virgina than out of Virginia.

Of note, Virginia is one of only 9 states where this is the case!

Source: KCM Blog

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

Very cool -- drones are being used in California to market high-end properties

Scott Rogers — Fri, 27 Jan 2012 09:19:57 -0500

A custom–designed drone with a camera attached is now being used to capture fantastic views of high–end properties in California.

Read the article (with an embedded video) for more details.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

Harrisonburg Sub-$100K Single Family Homes: They're back, and more affordable than ever!

Scott Rogers — Wed, 25 Jan 2012 04:57:54 -0500

As the real estate market heated up, the opportunity to buy a single family home in the City of Harrisonburg for less than $100K cooled down. Now, however, there are more opportunities to buy such homes.

The even better news is that it's more affordable than ever to buy such a property.

The chart above shows the principal and interest payment on a $96,500 loan (a 96.5% FHA loan on a $100K purchase) given the interest rates over the last 11 years. This does not include taxes, insurance, and PMI.

If you are looking for an affordable house ––– either from a sales price perspective, or a monthly payment perspective ––– don't hesitate to contact me (scott@HarrisonburgHousingToday.com or 540–578–0102). I'd be happy to help you find a home to meet your needs.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

How much are buyers (and sellers) negotiating on price?

Scott Rogers — Mon, 23 Jan 2012 09:05:03 -0500

More than they ever have! Pre–boom, buyers (and thus sellers) were negotiating an average of 2.6% on price –– that is to say that homes were selling for 97.4% of the list price. That went as low as an average of only 0.9% of negotiating room in 2004–2005, before rising quickly to current market conditions where the average negotiations are 5.3% of the list price.

If we look closer at the data pre–boom (c2000), mid–boom (c2005) and post–boom (c2011) we find some interesting facts:

Last year (2011) 8% of buyers paid more than full price for their homes!
Only 13% of buyers negotiated more than 10% off the list price last year.
In 2005, almost one out of four buyers (22%) paid more than full price for their homes.
In 2005, only 9% of buyers negotiated more than 5% off of the list price of the home they purchased.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

Attached vs. detached homes over the past 11 years

Scott Rogers — Sat, 21 Jan 2012 05:36:04 -0500

Detached home = single family home
Attached home = duplex, townhouse, condominium

So, which property type has shown a stronger performance over the past 11 years in Harrisonburg and Rockingham County?

Attached homes maintained their value for longer before starting to decline.
Attached homes have increased more in value over the past 11 years.
Attached homes have seen a smaller decline since their peak.

But despite all of this, I believe the detached home market will be a stronger performer over the next five years, because:

Demand for (sales of) detached homes increased 12% in 2011.
Demand for (sales of) attached homes decreased 17% in 2011.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

Three ways to buy a foreclosure in Harrisonburg or Rockingham County, and how to find such opportunities

Scott Rogers — Wed, 18 Jan 2012 06:54:01 -0500

If you are in the market to buy a home, some of the properties you might be considering are foreclosures – but there are some distinctions to be aware of at different stages of the foreclosure process. It is possible to buy a home from the owner before they are foreclosed on even if they cannot pay off their mortgage – this is called a short sale. Or, you might buy a property at the courthouse steps when it is being auctioned – this is called a trustee sale. Finally, if a property does not sell at the auction, you can buy the property from the lender after they have taken ownership of the property – this is called a bank owned property or REO property.

SHORT SALES: Some homeowners must sell their home, but market conditions won't allow them to sell it at a high enough price to be able to pay off their mortgage(s). In this example, a homeowner might have a $250,000 mortgage balance but can only sell the property for $230,000. As a prospective buyer, it is sometimes possible to purchase this type of a property through a process called a "short sale." In such an arrangement, the homeowner petitions their lender to accept less than the full payoff of the mortgage and in return to still release the deed of trust so that ownership of the property can be transferred over to you, the new owner. This can benefit the lender, as they skip the time delays and cost of the foreclosure process. This can also benefit the homeowner, as a short sale will have a slightly lesser negative impact on their credit as compared to a foreclosure. As a buyer, however, you must know that there are challenges to buying a property as a short sale. The biggest challenges of late seem to be the uncertainty of the purchase and the time table. Even if you and the homeowner agree to a price of $230,000, the homeowner's lender must still agree to accept that price – since it won't allow the homeowner to pay off their $250,000 mortgage balance in full. This process of waiting to hear back from a lender, and then complying with all of their various terms can sometimes take 60 to 120 days – or longer!

Research potential short sales in Harrisonburg and Rockingham County online via www.HarrisonburgShortSales.com

TRUSTEE SALES: If a short sale does not take place, and a homeowner is behind on their payments (or not making them at all), eventually the property will be sold by the lender on the courthouse steps. Buying a property at a "trustee sale" can be exciting, and can be a great opportunity – but there are challenges as well. If a property to be sold at a trustee sale is also listed for sale with a Realtor, you can usually view the property ahead of time by calling your Realtor. Otherwise, you will likely not have the opportunity to see inside the property before the trustee sale, and thus you will not know too many details about the condition of the property. Furthermore, your purchase of the property at the trustee sale cannot be contingent upon viewing the property, or inspecting the property. In this instance, you are purchasing the property in "as is" condition, regardless of what you then find out about the property. It is also important to note that many times the lender will have an opening bid at the trustee sale that is close to (or sometimes higher than) the amount that they are still owed on the mortgage. Thus, in the example above, they might make an opening bid of $250,000. As a result of this opening bid process, many (or most) properties available for purchase at a trustee sale are not great opportunities. Occasionally, a property will be foreclosed upon that has had a mortgage in place for many years, whereby the balance of the mortgage is much lower than current market value – these are great opportunities for a buyer.

Research upcoming trustee sales in Harrisonburg and Rockingham County online via www.HarrisonburgForeclosures.com

BANK OWNED PROPERTIES: If you don't buy the property before the auction (as a short sale), and don't buy it at the trustee sale, you'll have a third opportunity to buy it once the bank owns it. These properties are called "bank owned properties" or REO properties ("real estate owned"). Oftentimes, the prices on these properties are quite realistic, if not under market value. It would not be atypical for a house such as the one mentioned above to come on the market after the trustee sale at a price of $210,000. In such an instance, you should expect to be buying the property in "as is" condition, and you will also be buying with a slightly different contract document. Most lenders have a long standard contract or contract addendum that spell out a variety of additional contract terms designed to protect them from any future liability – and rarely will a lender agree to have these contract documents changed in any way. As you can see above, oftentimes buying the property as an REO property is where the best opportunity lies.

Research currently available bank owned properties in Harrisonburg and Rockingham County online via www.HarrisonburgREO.com

When a home goes into foreclosure it is often for very sad and unfortunate reasons – such as the loss of a job – and I do not wish such circumstances on any homeowner. However, if you are a buyer in today's market it is important to be familiar with different methods for buying a property when it will be, is being, or has been foreclosed upon.

For information about purchasing a property as a short sale, or purchasing a bank owned property, please e–mail me at scott@HarrisonburgHousingToday.com or call me at 540–578–0102.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

Was 2011 "the new normal" for the pace of home sales in Harrisonburg and Rockingham County?

Scott Rogers — Tue, 17 Jan 2012 04:42:42 -0500

In 2000, there were 829 home sales. That zoomed up to 1,669 in 2005. This past year (2011) there were 791 home sales. Certainly, 1,669 home sales a year is not a normal pace of home sales, but is 791 home sales per year a reasonable assumption for the pace of our local housing market going forward?

To explore this issue, I have created a model showing what home sales would have been if a constant percentage of our local population bought a home each year, and I have included population increases from the past decade.

Above you'll note that in 2000, a total of 0.77% of the population purchased a home (829). Then, for each following year, I have shown how many people would have bought a home if it continued to be 0.77% of the total population. Per these calculations, home sales in 2011 (though improved over 2010) are still well below where they (theoretically) should be. If 0.77% of the population bought in 2011, home sales would have been 23% higher than they were last year.

Above is a second illustration, assuming that 2011 was a normal year –– and that each year we should expect 0.97% of the population to buy a home. In this scenario, home sales should have been 56% higher last year to have 0.97% of the population buy a home.

Regardless of the actual numbers, my conclusion based on the data above is that 791 home sales per year (as in 2011) is not the new normal for our market. I believe the market will improve further as to the annual pace of home sales –– at least to 1,000 sales per year.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

The impact of distressed sales (bank owned, short sales) on the Harrisonburg, Rockingham County housing market

Scott Rogers — Mon, 16 Jan 2012 06:52:06 -0500

Housing markets across the country have been affected by an increase in distressed sales over the past few years –– both bank owned homes (that were foreclosed on) and short sales (where the sales price didn't pay off the mortgage). So, what was the impact in our local area?

A few observations based on the data above....

Distressed sales increased significantly (+ 38%) between 2010 and 2011. Thankfully, the number of foreclosures declined (– 17%) between 2010 and 2011, so we are likely to see fewer distressed sales in 2012.
As could be expected, distressed sales made up a larger portion of home sales in 2011 (14%) as compared to 2010 (10%). This marks a 35% increase in the percentage of local home sales that were distressed sales.
The median price of distressed sales declined by 15% over the past year. This may have been a combination of better deals on distressed properties and/or lower valued homes being sold as distressed sales.
Thanks for reading to this last point, because this is the important one! While the overall median sales price in our local area declined 3% over the past year ––– if you take out distressed sales, the median sales price only declined 1%.

Again, given the decline in foreclosures in 2011, I am hopeful that we'll see a smaller number of distressed sales in 2012, leading to greater stability in our local housing market.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

50 Largest Employers in Harrisonburg, Rockingham County

Scott Rogers — Sat, 14 Jan 2012 07:42:17 -0500

Looking for a job in Harrisonburg or Rockingham County? Here are the 50 largest employers....

James Madison University
The Rockingham Memorial Hospital
Rockingham County School Board
Cargill Meat Solutions
Wal Mart
R.R. Donnelley and Sons Company
Harrisonburg City Public Schools
Great Eastern Resort Management (Massanutten Resort)
Merck & Company, Inc.
Aramark Campus LLC (JMU Dining)
Marshall's
Fairfield and Sons, LTD (Rosetta Stone)
City of Harrisonburg
Perdue Products
County of Rockingham
Tenneco Automotive Operations
Pilgrims Pride Corp
Va Poultry Growers Coop Inc
Eastern Mennonite University
Millercoors LLC
Stellar Management Grouping
Dynamic Aviation Group
George's Foods
Beam Brothers Trucking
Whitewave
Virginia Mennonite Retirement
Riddleberger Brothers, Inc
Sysco Food Services
Bridgewater College
Food Lion
Great Eastern Resort Corporation (Massanutten Resort)
Sunnyside Presbyterian Home
Ntelos Wireless Dip Inc
Bridgewater Home, Inc.
Cargill Turkey Production
Owens Brockway Plastic Products
Tenneco Packaging
Warsaw Health Care Center
Lowes' Home Centers, Inc.
Pleasant View Home for the Handicapped
Shenandoah Growers Inc
Postal Service
Costco
McDonald's
Tyson Farms
Rockingham County Community Services Board
Comsonics Inc.
Pactiv Corporation
Martin's Food Market
Massanutten Ski Lodge

Source: Virginia Workforce Connection

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

Sellers, sellers, where have you gone?

Scott Rogers — Fri, 13 Jan 2012 09:03:01 -0500

As I commented in my monthly market report earlier this week, inventory has declined significantly (15%) over the past year!

Why is inventory dropping so much???

I have a theory....

First and foremost, I believe there are quite a few homeowners who are deciding to lease their properties instead of selling them, after having had little success in the sales arena. I have seen this quite frequently over the past 6 months, and it makes sense ––– leasing the property can provide a stream of income with which to pay the mortgage payment. Leasing a property also gets the homeowner down the road a bit (perhaps a year or two) after which they can try to sell again in a market this has hopefully improved.

Second, I believe some sellers are either pulling their property off the market, or never putting them on the market, because they don't believe they can sell their home right now for a price that would either: a) make them happy, b) payoff their mortgage, or c) allow them to move into their next home.

Finally, after six years of steady increases in foreclosures in our local market, that trend finally reversed itself in 2011. There were 17% fewer foreclosures in 2011 as compared to 2010 –– which means there are fewer bank owned homes coming on the market.

We'll have to wait a few months to see, but I think it's quite possible we'll continue to see much lower inventory levels than we saw last year.

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

Land sales increase, in pace AND price!

Scott Rogers — Thu, 12 Jan 2012 11:58:36 -0500

The housing market as a whole in Harrisonburg and Rockingham County seems to be stabilizing. As per my market report earlier this week, sales increased by 4% in 2011, even though prices declined by 3%.

Land sales, however, are looking even better! There is quite a bit of information packed into the graph above, but here are the main things I think are important to note:

Land sales soared in 2004 and 2005, and stayed at respectable levels in 2006 and 2007 –– for a total of 435 sales in 4 years. Then, sales dropped steadily between 2008 and 2010, to a low of only 27 sales in 2011. Let's look at that again ––– in all of Harrisonburg and Rockingham County, there were only 27 sales of land of an acre or more. Wow!
Sales of land greater than an acre almost doubled in 2011, to 49 total sales. That is quite an increase, and it beats 2009 sales figures as well.
Prices also rebounded –– increasing to an average of $16,355 per acre –– it is encouraging to see this rebound in pricing in tandem with the rebound in sales pace.

Hopefully, a year from now, we'll have seen prices of residential properties stabilize in response to the increase in their sales pace ––– similar to what we have seen in land sales. Stay tuned!

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com

If a resident of Rockingham County has a job and some level of job security, why wouldn't they buy a home or move into a different home?

Scott Rogers — Wed, 11 Jan 2012 11:07:55 -0500

A great question from a blog reader. Any thoughts, other blog readers?

Have Any Questions? Contact Scott Rogers at 540-578-0102 or scott@cbfunkhouser.com