New Home by Association Publishing Inc.

home New

Your guide to new housing in South Hampton Roads 2009

Financing fundamentals

An A to Z list of the area’s new homes

Home buyers Builder: dictionary John W. “Chip” Iuliano III

From the TBA President to you

Opportunity knocks for home buyers By Pete A. Kotarides President of Tidewater Builders Association For those whose homeownership aspirations have been dampened or temporarily derailed by the housing and economic downturn – the people wondering if this is a good time to buy – the answer is simple: Yes. It’s a good time to buy. The housing market here in South Hampton Roads, coupled with a temporary tax credit for first-time home buyers and continued low mortgage interest rates, provides an unprecedented window of opportunity for prospective home buyers. In fact, there may never be another buyer’s market as good as today’s.

The first-time buyer’s ‘opportunity of a lifetime’ On Feb. 17, President Obama signed the American Recovery and Reinvestment Act of 2009 into law. As part of the economic stimulus measures, the legislation created a first-time home buyer tax credit that is bigger and better than the previous credit that was implemented in July 2008. Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit. The tax credit is equal to 10 percent of the home’s price up to a maximum of $8,000 and is available for homes purchased on or after January 1, 2009 and before December 1, 2009. And the best part is the tax credit does not have to be repaid.

Ample inventory An outstanding selection of homes to choose from is another reason it’s a good time to buy. Many builders have inventory that is “move-in ready,” and they may offer upgrades or other incentives to seal the deal. Likewise, owners of existing homes who are looking to trade up or relocate are ready to bargain.

Attractive pricing and low rates If there’s a silver lining to the housing downturn, it’s that homes are more affordable. Prices here in South Hampton Roads have moderated to more normal levels than what was seen at the peak of the “boom” period. Interest rates are also at favorable levels, and although lenders are looking more closely at a buyer’s financial history these days, qualified buyers should have no trouble getting financing.

What’s in it for me? As a homeowner, you receive benefits that are both tangible and intangible: • Unique tax benefits that apply only to housing help lower the cost of homeownership. Both mortgage interest and property taxes are deductible. • When you own a home, you generally build equity during the life of that ownership. When you rent, however, you make a monthly payment that brings in no long-term benefit when your lease has ended. For most Americans, home equity represents the largest share of their net worth. • Finally, a home cannot be valued in monetary terms alone because it is so much more than just an investment. Not only is homeownership a steppingstone to greater financial security, it provides a permanent place to call home and great personal satisfaction. Homeownership strengthens both the nation’s people and its communities. It is truly a cornerstone of the American way of life. (Portions of this article were excerpted from a National Association of Home Builders’ brochure titled “Opportunity Knocks for Home Buyers.” While NAHB has used its best efforts to provide accurate information . . . the information provided may not be suitable or applicable to your unique circumstances. You should consult with a qualified professional when applying this information to your own situation.)

From A to Z:

A list of all new home communities in South Hampton Roads There’s a wide variety of new housing available in today’s market, as this comprehensive list indicates. Those listings in color have a display ad in this magazine.

The information shown here was provided by Richard P. “Rip” Montague, president of Source Inc. of Virginia, courtesy of The Virginian-Pilot. Montague can be reached at (757) 335-0729 or via e-mail at ripm@sourceincofva.com (Information is current as of press time.)

COMMUNITY

TYPE

SQ. FT.

BUILDER

Chesapeake from the $100s

Brighton Park East

1,300

Dragas Co.

Monarch Walk Vistas at Warrington Hall Culpepper Landing

TW TH

1,257 - 2,200 1,480

McQ Builders WH Builders

1,700 - 3,000

Area Builders of Tidewater, Definitive Homes; Joey Corp.; The

Chesapeake from the $200s

Walters Co.; Vintage Homes; Next

Level Group

Deep Creek Commons Eagle Pointe at Cahoon Plantation Hampshires at Greenbrier Legacy at Washington Arms Oneford Place Paramont Crossing Pughsville Crossing Retreat at Greenbrier, The Riverwalk Estates Ships Landing Town Gardens at Warrington Hall Towne Park at Goose Creek

Ashdon Builders Eagle Const. Dragas Co. Golden Heritage Homes Franciscus Co. Harbour Const. Moody Development Weldenfield of Virginia Associated Development Hearndon Const. WH Builders Hearndon Const.

TH TH* TH TH* MF* TH SF QB* TH SF TH SF

1,478 - 1,491 1,535 - 2,201 1,568 - 2,000 1,800 - 2,000 1,300 - 1,800 1,593 - 1,632 1,500 - 2,580 1,402 - 2,328 1,820 - 2,200 2,026 - 2,475 2,200 plus 1,850 - 2,250

Chesapeake from the $300s

Bells Hollow Estates SF 2,000 - 2,500 Cedar Landing Estates SF 2,000 - 3,000 Chapel Hill Estates SF 1,900 - 3,600 Deep Creek Meadows SF 1,300 - 2,200 Dock Harbour SF 3,000 Eady’s Landing SF 1,900 - 3,000 Eagle Pointe at Cahoon Plantation SF & TH* 2,018 - 2,469 Kemp Bridge SF 2,740 - 4,800 Kendall Crossing SF 1,365 - 3,500 Builders Lauren’s Grove SF 2,400 - 2,700 Mariner’s Village SF 1,896 - 2,315 Marsh Pointe Estates SF 2,650 - 3,200 Mayberry Meadows SF 2,600 - 3,200 Olde Mill Run SF 2,525 - 3,200 Park View Condo at Greenbrier MF 1,060 - 2,269 Retreat at Greenbrier, The SF & TH* 1,672 - 2,762 Rivers Edge at Quailshire SF 2,254 - 2,942 Rose Garden Estates SF 1,900-3,000 Shillelagh Estates SF 1,800 - 2,664 Sommerton TH* 2,300 - 2,800 Summer Park SF 2,100 - 2,800

Seacrest Homes McLaughlin Const. Summit Const.; Ashdon Builders; Graf Const. HBD Build, Inc.; Princess Anne Const. Lifestyle Homes; BECO Homes Glenrock Corp. Eagle Const. Napolitano Homes Wirth Development; Balance Lawson Homes Ashdon Builders Lifestyle Homes Lifestyle Homes Hearndon Const. Park View at Greenbrier Dev. Weldenfield of Virginia Ashdon Builders Tascera Development HAV, Inc.; HBD Build Inc. Stephen-Alexander Homes Bay Area Builders; Oasis Home Builders; Legacy East LLC; Rob Lang Homes; Majestic Hm; Stephen Alexander

COMMUNITY

TYPE

SQ. FT.

Vance Level SF 2,700 - 3,800 Warrington Hall SF 2,200 - 3,258 Westchester Estates SF 2,095 - 2,600 White Egret Cove SF 2,000 - 3,000 Windrose Farms SF 2,400 - 2,900 Winstons Trace SF 2,360 - 3,300 Chesapeake from the

BUILDER Ashdon Builders; Deford Co.; Eagle Const.; Peak Builders; J.F. Schoch Bldg. Corinth Homes Ashdon Builders; Graf Const. McLaughlin Const. Kroll Enterprises Lifestyle Homes

$400s

Bells Mill Estates SF 2,300-3,000

Centaur Development; Pandell Builders

Crystal Lake South SF 2.300 - 3,000 Fernbridge SF 2,685 - 3,335 Frost Estates SF 2,800 - 3,800 Lincolnshire SF 2,800 - 3,700 Moore’s Farm SF 2,600 - 3,000 + Peyton Estates SF 2,800 - 3,700 Preserve on the Elizabeth SF 2,200 - 3,700 Savanna Heights SF 2,284 - 3,300 Stony Run Manor SF 2,135 - 3,400 Sutherlyn Estates SF 2,600 and up Woods Edge SF 2,500 - 2,995 Chesapeake from the

Ashdon Builders Chesapeake Homes Germel Inc.; Lifetime Homes Nelin Brothers Stephen-Alexander Homes Nelin Brothers Wermers Dev.; Sadler Building; Ainslie Group Lifestyle Homes Kait Construction; Preston Homes Germel, Inc. Lifestyle Homes

Amelia Estates

3,300 - 3,600

Ballahack Meadows SF custom Blue Heron Pointe SF 3,000 Brandon Woods SF custom Cahoon Plantation SF custom Coopers Creek Manor SF custom Diamond Estates SF 2,400 - 3,200 Edinburgh SF custom Emerald Forest SF custom Forest Lakes SF 3,500 Glen Abbey SF 2,700 - 3,700 Greystone SF 3,000 - 5,000 Lexington Place SF 3,800 Long Ridge Estates SF custom

$500s & up

Legacy Estates, LLC Various Designs of Distinction Germel Inc.; Wyatt Homes Castlerock Const.; The Walters Co.; Watab Const.; West Neck Properties Inc.; Windsor Homes G.T.C. Homes; Hook Custom Homes; MER Contracting; Z & T Builders TCM Homes L. R. Hill Custom Builders; Sadler Building; Cohen Homes; ABT; Wilmik Homes; Charles A. Schmitt; J.F. Schoch Building Corp. Dinsmore’s Custom Const.; Kres Homes; Princess Anne Builders; Wyatt Homes Prosperity Building Corp. Cedar Creek Const.; Stafford & Son Cohen Homes; Designs of Distinction; Masterpiece Const.; Richardson Homes Gateway Const. C. E. Bryan Custom Builder; Wilmik Homes

COMMUNITY

TYPE

SQ. FT.

Ravenna SF 3,000 - 3,500 Rolling Wood Estates SF 2,600 - 4,000 Whispering Pines SF 3,300 Woods of Whitehurst Station SF 3,400 - 4,000 Franklin/Southampton

BUILDER Commonwealth Custom Homes; Executive Homes; Hawk Res.; Nelin Brothers; Rio Vista; Sadler Building Corp.; R. B. Stevens Const. Cashvan Homes LLC; Cedar Creek Const.; Cerino Ent.; Custom Castles Golden Heritage Homes; L & M Const.; Lawrence & Sons; J.D. Williams Metro Associates Legacy Estates, LLC

County (all communities)

Sandy Creek

1,890 - 2,475

Towne Development

Joyner Farms

2,053 - 3,560

Virginia Enterprise

Pines of Ivor

1,217 - 2,395

H H Hunt Homes

Norfolk from the $100s

Williamsburg Commons

Norfolk from the

1,400

Platinum Homes, LLC $200s

388 Boush Street MF 700 - 1,438 Collins Enterprises Broad Creek SF/TH 1,800 - 3,100 Area Builders of Tidewater; Real Development; S. L. Johnson Corp.; Tivest Development Colonnades in Ghent, The MF 750 - 1,325 Marathon Development Fox Hall TH 2,000+ Bell Const. Grantham Square TH 1,500 Covington & Associates Harbor Walk MF 2,000 - 2,670 Henin Group Landings at Bolling Square MF 1,188 - 2,067 Collins Enterprises Lofts at 500 Granby MF 915 - 1,105 500 Granby LLC Pretty Lake Village MF 1,655 - 1,875 Powell Mngt. & JD&W Const. Riverpoint Court Condominiums MF 1,200 - 1,550 Powell Management Rotunda, The MF 850 - 2,400 Wermers Development Row at Ghent, The MF 756 - 1,300 Bristol Development Shamrock Gardens TH 1,864 - 1,880 Cashvan-Cooper, LLC Tanner’s Landing MF 1,550 - 2,550 Tanner’s Landing Asso. Welton Lofts MF 950 - 1,100 Welton Building, LLC Westport Commons MF 1,100 - 2,000 Collins Enterprises Widgeon Point TH 1,880 Powell Development Norfolk from the $300s

COMMUNITY

TYPE

SQ. FT.

BUILDER

Suffolk from the $100s

New Port at Victory ($100s) First Watch at River Point ($200s) Gateway at Sterling Point ($200s) Kings Gate Crossing ($200s) New Port at Victory ($200s) Oxford Place ($200s) Park View ($300s)

TH SF TH SF SF MF SF

1,425 - 1,750 1,750 - 2,300 1,147 and up 1,750 - 2,125 1,800 - 3,000 950 - 1,350 2,500 - 3,200

Suffolk from the

Center 800

900 - 1,300

JMAC Development

1,100 - 1,400 800 - 1,300 1,600 - 1,750 1,496 - 1,637

AMAC Properties, LLC 139 N. Main St., LLC Chesapeake Homes Terry-Peterson Residential

Creek Ridge Town Homes TH Montgomery Lofts MF Remington Park TH Residences at Hampton Roads Crossing QB Suffolk BelleHarbour Woods Belmont Park Brewers Meadow

SF TH SF

Chesapeake Homes Gee’s Group Futura Group Pace Const. Chesapeake Homes Oxford Place, LLC The Olde Towne Co. $100s

from the $200s

2,000 - 3,100 1,586 - 1,787 2,000 - 3,200

Napolitano Homes Chesapeake Homes Hearndon Const.;

Christiana Landing SF 2,600 - 3,100

Napolitano Homes Towne Development

Edgewood at Belleharbour Woods Fairways Crossing Forrest Glen II Graystone Reserve Highland Green Kensington Park Kings Fork Farm Nelms Ridge Residences Hampton Roads Crossing Seasons on Lake Meade Soundings on the Nansemond Benson Woods

TH SF SF SF SF TH SF SF SF/TH TH* TH

1,800 - 2,136 1,813 - 2,800 2,000 - 2,500 2,350 - 3,000 2,134 - 2,310 1,900 - 2,400 1,918 - 2,739 1,600 - 2,500 1,655 - 2,146 1,880 2,000 - 3,000

Napolitano Homes Etheridge Const. Hearndon Const. Chesapeake Homes Chesapeake Homes Associated Development Terry-Peterson Residential McQ Builders Terry-Peterson Residential Powell Development Lawson Homes

2,400 - 3,200

Wirth Development

Suffolk from the $300s

Bay Oaks Harbor Cornick Place Dey Street Commons Harbor Heights Harbor Walk McRae Commons The Hofflin Lofts

SF TH SF MF TH MF MF

1,900 - 2,500 1,743 - 1,800 2,800 - 3,000 1,104 - 2,436 2,425 - 2,755 1,460 - 3,300 1,100 - 1,400

Stephen-Alexander Homes JMAC Development Freeman Homes; Asfari Homes Robinson Development Co. Henin Group Va. Beach Const. Corp. 426 Granby, LLC

Bob White Landing SF 2,100 - 4,200 Napolitano Homes; Gallagher Const. Harbour Breeze Estates SF 2,500 - 3,600 Lifestyle Homes; BECO Homes Hillpoint Meadows SF 2,434 - 3,605 Lifestyle Homes; Sadler Building King’s Greene SF 2,000 plus TJL Enterprises Orchard Cove SF 2,400 - 2,800 Ashdon Builders Parkside at Bennett’s Creek SF 2,200 - 3,300 Chesapeake Homes Pitchkettle Farms SF 2,500 - 4,200 Ainslie Group Prentis Place TH 2,100 plus Constance Investors, LC Saddlebrook Estates SF 2,480 - 4,200 Associated Dev.; Residential Concepts; Reese Smith Const. Vineyards at Bennetts Creek Square TH* 1,650 - 2,382 Napolitano Homes Woodlands of Nansemond SF 2,500 - 3,100 Rosewell Homes Suffolk from the $400s

East Beach Villas Elizabeth River Pointe Federal Townehomes Landings at Bolling Square Rivers Edge

MF SF TH TH SF

1,161 - 3,066 2,500 plus 2,500 2,142 - 2,931 3,900

East Beach Renaissance Valiant Ventures M. D& D., LLC Collins Enterprises Fulco Group

Herons Point SF 2,800 plus Nansemond River Estates SF custom Suffolk from the $500s

Norfolk from the $400s

Norfolk from the $500s & up

East Beach Franklin Condominiums Shorewood Shores 7th Bay

SF MF SF SF

custom 1,800 - 3,000 3,000 plus 3,200 - 3,800

Northampton County

Cheriton Crossing ($100s) Bay Creek - Fairways ($200s) Cherrystone ($300s) Tower Hill Estates ($300s) Kings Creek Landing ($400s) Bay Creek - Kings Bay ($500s)

SF SF SF SF SF SF

1,300 - 1,500 1,550 - 1,890 1,900 - 2,500 2,500 plus 2,200 - 2,600 1,800 - 3,400

custom builders Mark Barr Companies Premier Property Builders custom builders (all Communities) BECO Homes Baymark Const. Williams Homes BECO Homes custom builders custom builders

Bridlewood Estates SF custom Ciara Estates 3 acres plus Estates off Pitchkettle SF 2,800 - 5,000 Governor’s Pointe SF 2,805 - 4,000

RML Corp. Caruana Const.; Naranjo Brothers; Richardson Homes; Southside Home Builders; Vern Howerin Builders; Wilmik Homes

& up

Quality Homes Developer Charlie Anderson Builder; Area Builders of Tidewater; CAJE Group; Crestline Homes; Joey Corp.; Richmarc Building Corp.; Charles A. Schmitt Cont.; J. F. Schoch Building; Shade Tree Custom Homes; B. Valentine Const.; WATAB Const.; Wendell Homes; G. S. Williams Inc.; Woodmasters Etheridge Const., Quality Homes;

COMMUNITY

TYPE

SQ. FT.

Quaker Neck SF custom Riverfront, The SF 2,500 - 8,000 Norman Virginia Beach from Ocean Trace Southmoor at Ridgely Manor Villas at Bellamy Bluegrass Park at Lexington Bonneys Quay Cornerstone Diamond Commons Field Stone Glen Grace Hill at Ridgely Manor Grayson Pond at Wesleyan Nichols Park at Lexington Old Beach Village - Lofts Studio 56 Lofts Westbriar at Ridgely Manor Woodland Park at Lexington

MF MF QB

1,000 1,330 - 1,350 1,320 - 1,350

TH TH TH SF TH QB TH SF MF MF TH TH

2,098 - 2,245 1,809 - 2,278 1,825 - 2,200 1,500 - 1,700 1,900 - 2,400 1,700 - 1,834 1,380 - 1,985 1,950 - 2,050 1,642 - 2,490 695 - 1,063 1,658 - 2,240 1,790 - 2,074

Virginia Beach from the

Sadler Building Corp.; Sasser Const. Ashley Asso.; D. M. Barbini; R. L. Blount; Caruana Const.; Kroll Building Corp.; Landmark Homes; Majestic Homes; Sewell Corp. Area Builders of Tidewater; Birdsong Builders; Emerson Builders; Miller Homes; Orleans Home Builders; Russ Hohmann Builders; Sadler Building Corp; Sasser Const. $100s Ocean Trace, LLC Dragas Co. Dragas Co. $200s Chesapeake Homes BQI Group, Inc. Chesapeake Homes Klebco Development Briba Dam Neck Corp. Dragas Co. Franciscus Co. Chesapeake Homes Ainslie Group Armada Hoffler Dragas Co. Chesapeake Homes

Virginia Beach from the $300s

Beach Bay Condos TH 1,935 Belmeade at Ridgely Manor SF 2,200 - 2,500 Bernard Farms SF 2,550 - 2,981 Birdneck Forest SF 2,200 - 2,600 Brookgreene Common SF 2,100 - 2,500 Chelsea Place TW* 2,300 - 2,450 Fair Lady SF 2,100 Fox Glen South SF 2,000 - 2,130 Indian Point at Rose Glen SF 2,600 - 3,100 Lake Archway SF 2,038 - 2,300 Linkhorn Crest TH 2,220 and up London Bridge Crossing SF 2,038 - 2,282 North Shore Condominium MF 1,306 - 2,236 Sajo Farm SF up to 3,300 Sherwood Lakes SF 2,041 - 2,669 Thompkins Estates SF 2.600 - 2,750 Tressel View SF 1,900 - 2,700 West Neck - Rosecrest SF* 2,086 - 2,780 Woodbridge Pointe SF 1,867 - 3,182 Woodland Townhomes TH up to 2,400 Atlantic Palisades

the

BUILDER

2,400

Highland Parrish SF 2,575 - 3,480 Hillcrest Landing SF 2,300 - 3,200 Lane at Wildwood TW 2,000 - 2,200 Mayberry SF 2,400 - 4,200 Old Beach Village - Flats MF 1,642 - 2,490 Prince George Estates SF 2,350 - 3,300 Sanctuary at False Cape MF 1,400 - 3,000 West Neck - The Grove SF* 2,036 - 2,989 Westin Virginia Beach Residences MF 800 - 4,000

Warner Const. Dragas Co. GBK Builders, Inc. WPL Ventures, LLC Great Atlantic Custom Homes Donald L. Moore CEP Development Bishard Development Hawk Residential; Pandell Builders Ainslie Group Linkhorn Crest, LLC Ainslie Group Towne Development Napolitano Homes; Terry-Peterson Residential HAV, Inc. Georgio Construction Tignor Building Chesapeake Homes Summit Const.; Oceanside Building; McQ Builders; BECO Homes Woodland Townhomes, LLC Atlantic Palisades, LLC Ainslie Group Lifestyle Homes Monaco Homes C. E. Bryan Custom Builder Ainslie Group Bohn Const.; Gateway Const.; Graf Const.; Rio Vista Futura Group Chesapeake Homes Armada Hoffler

COMMUNITY

TYPE

SQ. FT.

BUILDER

Virginia Beach from the $500s & up

921 Oceans Condo

2,400

Dunes Investment Asso.

Ashville Park - Cottage SF 2,400 - 2,800 Ashville Park - Custom SF 2,800 - 4,000 Ashville Park - Estate SF custom Back Bay at Lago Mar SF custom Back Bay Commons SF Custom Bayvista MF 2,279 - 2,618 Eagles Nest SF 3,400 - 5,000 Heritage Park SF custom

Chesapeake Homes Area Builders of Tidewater; Crestline Homes; L. R. Hill Custom Builders; Sadler Building Corp.; R. Savino Custom Homes; J.F. Schoch Building Corp.; The Walters Co. C. E. Bryan Custom Homes; Cohen Homes Custom Builders HBD Build, Inc.; Masterpiece Homes S. B. Ballard Const. West Neck Properties Caruana Homes; Cohen Homes; Commonwealth Custom Home Builders; Executive Homes; L.R. Hill Custom Builders; Kopassis Homes;

Indian River Plantation SF custom Mira Bella SF 2,300 and up North Shore at Ridgely Manor SF custom Oak Breeze SF custom Pungo Ferry Landing SF lots SF custom Seaboard Acres SF 3,150 - 3,400 Victoria Park SF custom

Sadler Building Corp.; J.F. Schoch Building; WZ Homes Miller Custom Homes; Cohen Homes Beach Bay Builders L. R. Hill Custom Builders; Cohen Homes; Wilmik Homes; Deford Company; Graf Const.; Legacy Estates Miller Custom Homes Developer Miller Custom Homes; M. M. Rollins, Jr. Co. WPL Ventures, LLC Caruana Homes; Executive Homes; Nelin Brothers; Rio Vista; Daily- Nestor Homes; Stephen-Alexander Homes; Styron Building

LEGEND

MF QB SF TH TW *

Multi-Family Quad Building Single Family Town Home Twin Home Age Restricted

Welcome home to a

HERO By Heidi Ketler

More than 27,000 Americans serving in the military have suffered grave injury to defend this nation’s freedom. Last November, Tidewater Builders Association and its members rallied to help a local veteran achieve another kind of freedom — the freedom and independence of owning a home.

TBA, Tidewater Modular Homes and Nationwide Custom Homes came together with Homes for Our Troops to build a specially adapted, mortgage-free home for 23-year-old Army Cpl. Jonathan Bartlett, a veteran of the Iraq war. In March, a key-turning ceremony was held to officially welcome Iraq veteran Jonathan Bartlett to his new home and his new neighborhood. A joyous crowd of well-wishers looked on as Bartlett expressed his gratitude to everyone who helped make it possible for him to have a brand new home. “It really is a time of change for me,” said Bartlett. “Spring is coming in, it’s a new year, I’m 24, and I got a new house. I’m doing pretty good, and it’s all thanks to you guys.” Bartlett, a graduate of Maury High School in Norfolk, sustained life-altering injuries in 2004, a little more than a month after being deployed to Iraq. The IED (improvised explosive device) that ripped through the Humvee he was in near Fallujah left three others inside with minor injuries. Bartlett’s wounds, however, were dire. The blast riddled his body with shrapnel and forced the amputation of one leg above and one below the knee. The home was 2009 TBA President Pete A. Kotarides poses with presented to Bartlett in Bartlett inside his new home during the house dediNovember, at a cercation ceremony.

emony at TBA’s Mid-Atlantic Home Remodeling & Interior Design Show at the Virginia Beach Convention Center. The home was built by Tidewater Modular Homes, Nationwide Custom Homes and their suppliers. The majority of the construction was done at the Nationwide Custom Homes plant in Martinsville, VA. The home was then moved to the Virginia Beach Convention Center where the final work was done, including the trim work, drywall finishing and installation of the bamboo flooring. TBA was successful at recruiting volunteers and donations of material and labor from members to complete the project. Homes for Our Troops helps military personnel with severe injuries and/or disabilities sustained during active-duty wartime service. The nonprofit gathers donations of building materials, labor and funds and coordinates new home construction and renovations to existing homes. “We like to say that our veterans have earned their houses that we provide to them through their service and dedication and sacrifice for themselves and their family throughout the United States,” said Rick Goyette, projects manager with Homes For Our Troops. “Nationwide Custom Homes rallied all its suppliers to provide material donations and Tidewater Modular Home worked as the general contractor, providing much of the on-site labor and supervising the volunteer subcontractors,” said Donna Belka, owner of Tidewater Modular Homes. While the house was being constructed, Bartlett visited the Nationwide Custom Homes plant in Martinsville and met the company’s employees and construction workers who actually built his home. During the show, the home was open for public tours. When the show ended, the home was delivered to its permanent site

Q & A with ...

Jonathan Bartlett stands in the doorway of his home surrounded by Nationwide Custom Homes employees when he visited the plant in October, 2008. Standing with Bartlett is Donna Belka (left) of Tidewater Modular Homes and Andy Miller (center), president of Nationwide Custom Homes.

and set on its foundation at a lot in the Deep Creek section of Chesapeake. “After we got the house on site here, it became apparent that we had to extend our circle of help,” said Belka. “Even the neighbors have pitched in and helped wherever they were needed. This was really a labor of love from the whole community.” Bartlett, who is a junior studying business management and communications at Old Dominion University, remained the humble and appreciative hero. “I can’t say thank you enough. I just can’t say it enough,” said Bartlett. “The only way that I can say thank you is to live well.” Bartlett’s new home is a 1,475-square-foot ranch-style home, featuring an open floor plan with wide halls and doorways. The three-bedroom, two-bathroom home is Americans with Disabilities Act (ADA)-compliant. Some of the unique features of the house include accessible kitchen cabinets, a roll-in shower with grab bars and a roll-under vanity. The house also has accessible heights for receptacles, switch plates, electrical outlets and closet shelving throughout the home, hardwood flooring and automatic door openers at exterior doors.

Homes for our troops is directing the mission Founded in 2004, Homes for Our Troops helps military personnel with severe injuries and/or disabilities sustained during active-duty wartime service. The nonprofit organization gathers donations of building materials, professional labor and funds, and coordinates new home construction and renovations to existing homes. This is the first Homes for Our Troops project in Hampton Roads and the organization paid $80,000 for the property. The American Institute of Philanthropy, one of the country’s premier charity watchdog organizations, has included Homes for Our Troops in their “Top-Rated Veterans & Military Charities” listing. For more information, visit www.homesforourtroops.com.

Vickie Sessler, Associate Broker

William E. Wood & Associates REALTORS® Q. How long have you been in the real estate business and how did you get started? A. I have been a Realtor since 1985. A relative who was a realtor inspired me to get my license. From the experience of restoring my own first home, I knew I would find great satisfaction helping people dream what their new home would be. Q. How were you able to make new home realty your specialty in the business? A. Once in the business, I met Larry Hill of L.R. Hill Custom Builders, who was looking for an agent to sell his homes and to work with him in Homearama. We’ve been working together for 21 years now and have par ticipated in 13 Homearama events together. Q. How did it feel to win the first-ever Stanley award for Most Valuable Builder Agent? A. I was completely shocked and greatly honored to be nominated by Larry and then to actually receive the Stanley award. Larry and I have built a dedicated relation ship over the years and he has always made it possible to deliver what I promised our buyers. Q. What are some key things home buyers should look for when choosing an agent? A. When it comes to new construction homes, I feel buyers should look for someone who can see their vision of a home and who understands the building process. Q. What are some things people should know about looking for a new home in this economy and market that we’re currently experiencing? A. Yes, the economy is a little volatile right now. How- ever, I do know that builders are very willing to accom modate buyers’ wishes as much as possible. Building costs have gone down and many lots are available. It truly is a great time to build a new home. Contact Vickie Sessler at (757) 318-3803 or vickiesessler@williamewood.com.

Home Buyer’s Dictionary

ARM? GPM? PITI?

You’d have to be a cryptologist to figure out some of the terms buyers encounter during the home buying process. Doing research on how to buy a house before beginning the process can greatly improve your experience and prepare you for the exciting course ahead. And with this glossary of home buying terms at your side, you can rest easy that your new home won’t get lost in translation.

Adjustable rate mortgage (ARM). A loan whose interest rate is adjusted according to movements in the financial market. Amortization. A payment plan by which a borrower reduces a debt gradually through monthly payments of principal and interest. Annual percentage rate (APR). The annual cost of credit over the life of a loan, including interest, service charges, points, loan fees, mortgage insurance, and other items. Appraisal. An evaluation to determine what a piece of property would sell for in the marketplace. Appreciation. The increase in the value of a property. Assessment. A tax levied on a property or a value placed on the worth of property by a taxing authority. Assumption. A transaction allowing the buyer of a home to assume responsibility for an existing loan on the home instead of getting a new loan. Balloon. A loan which has a series of monthly payments (often for five years or less) with the remaining balance due in a large lump sum payment at the end. Binder. A receipt for a deposit paid to secure the right to purchase a home at terms agreed upon by the buyer and seller. Buydown. A subsidy (usually paid

by a builder or developer) to reduce the monthly payments on a mortgage loan. Cap. A limit to the amount an interest rate or a monthly payment can increase for an adjustable rate loan either during an adjustment period or over the life of the loan. Certificate of Occupancy. A document from an official agency stating that the property meets the requirements of local codes, ordinances and regulations. Closing. A meeting to sign documents which transfer property from a seller to a buyer. (Also called settlement.) Closing costs. Charges paid at settlement for obtaining a mortgage loan and transferring real estate title. Conditions, Covenants and Restrictions (CC and Rs). The standards that define how a property may be used and the protections the developer has made for the benefit of all owners in a subdivision. Condominium. A home in a multi-unit complex; each purchaser owns an individual unit, and all the purchasers jointly own the common areas, such as the surrounding land, hallways, etc. Conventional loan. A mortgage loan not insured by a government agency (such as FHA or VA). Convertibility. The ability to change a loan from an adjustable-rate schedule

to a fixed-rate schedule. Cooperative. A form of ownership in a multi-unit complex; the purchasers own shares of the entire complex rather than owning individual units. Credit rating. A report ordered by a lender from a credit bureau to determine if the borrower is a good credit risk. Default. A breach of a mortgage contract (such as not making monthly payments). Density. The number of homes built on a particular acre of land. Allowable densities are usually determined by local jurisdictions. Down payment. The difference between the sales price and the mortgage amount on a home. The down payment is usually paid at closing. Due-on-sale. A clause in a mortgage contract requiring the borrower to pay the entire outstanding balance upon sale or transfer of the property. A mortgage with a due-on-sale clause is not assumable. Earnest money. A sum paid to the seller to show that a potential purchaser is serious about buying. Easement. Right-of-way granted to a person or company authorizing access to the owner’s land; for example, a utility company may be granted an easement to install pipes or wires. An owner may voluntarily grant an easement, or in some

cases, be compelled to grant one by a local jurisdiction. Equity. The difference between the value of a home and what is owed on it. Escrow. The handling of funds or documents by a third party on behalf of the buyer and/or seller. Federal Housing Administration (FHA). A federal agency which insures mortgages that have lower down payment requirements than conventional loans. Fixed rate mortgage. A mortgage whose interest rate remains constant over the life of the loan. The payments are not necessarily level. (See Graduated Payment Mortgage). Fixed schedule mortgage. A mortgage whose payment schedule for the life of the loan is established at closing. The payments and interest rate are not necessarily level. Graduated payment mortgage (GPM). A fixed-rate, fixed-schedule loan which starts with lower payments than a level-payment loan; the payments rise annually over the first five to 10 years and then remain constant for the remainder of the loan. GPMs involve negative amortization. Hazard insurance. Protection against damage caused by fire, windstorm or other common hazards. Many lenders require borrowers to carry it in an amount at least equal to the mortgage. Housing Finance Agency. A state agency which offers a limited amount of below-market-rate home financing for low-and moderate-income households. Index. The interest rate or adjustment standard which determines the changes in monthly payments for an adjustable rate loan. Infrastructure. The public facilities and services needed to support residential development, including highways, bridges, schools and sewer and water systems Interest. The cost paid to a lender for the use of borrowed money. Joint tenancy. A form of ownership by which the tenants own a property equally. If one dies, the other would automatically inherit the entire property. Level payment mortgage. A mortgage whose payments are identical for each month over the life of the loan. Mortgage broker. A broker who represents numerous lenders and helps consumers find affordable mortgages; the broker charges a fee only if the consumer

finds a loan. Mortgage commitment. A formal written communication by a lender, agreeing to make a mortgage loan on a specific property, specifying the loan amount, length of time and conditions. Mortgage company (mortgage banker). A company that borrows money from a bank, lends it to consumers who want to buy homes, then sells the loans to investors. Mortgagee. The lender who makes a mortgage loan. Mortgage loan. A contract in which the borrowerâ&#x20AC;&#x2122;s property is pledged as collateral and which can be repaid in installments over a long period. The mortgagor (buyer) promises to repay principal and interest, to keep the home insured, to pay all taxes and to keep the property in good condition. Mortgage origination fee. A charge by a lender for the work involved in preparing and servicing a mortgage application (usually 1 percent of the loan amount). Negative amortization. An increase in the outstanding balance of a loan when a monthly payment is not large enough to cover all of the interest due. Note. A formal document showing the existence of a debt and stating the terms of repayment. PITI. Principal, interest, taxes and insurance (the four major components of monthly housing payments). Point. A charge of 1 percent of the mortgage amount. Points are a one-time charge assessed by the lender at closing to increase the interest yield on a mortgage loan. Prepayment. Payment of all or part of a debt prior to its maturity. Principal. The amount borrowed in a loan, excluding interest and other charges. Property survey. A survey to determine the boundaries of your property. The cost will depend on the complexity of the survey. Recording fee. A charge for recording the transfer of a property, paid to a city, county or other appropriate branch of government. Real Estate Settlement Procedures Act (RESPA). A federal law requiring lenders to provide home buyers with information about known or estimated settlement costs. The act also regulates other aspects of settlement procedures. R-value. The resistance of insula-

tion material (including windows) to heat passing through it. The higher the number, the greater the insulating value. Sales contract. A contract between a buyer and seller which should explain, in detail, exactly what the purchase includes, what guarantees there are, when the buyer can move in, what the closing costs are, and what recourse the parties have if the contract is not fulfilled or if the buyer cannot get a mortgage commitment at the agreed-upon terms. Settlement. (See Closing). Shared appreciation mortgage. A loan in which partners agree to share specified portions of the downpayment, monthly payment and appreciation. Tenancy in common. A form of ownership in which the tenants own separate but equal parts. To inherit the property, a surviving tenant would either have to be mentioned in the will or, in the absence of a will, be eligible through state inheritance laws. Title. Evidence (usually in the form of a certificate or deed) of a personâ&#x20AC;&#x2122;s legal right to ownership of a property. Transfer taxes. Taxes levied on the transfer of property or on real estate loans by state and/or local jurisdictions. Veterans Administration (VA). A federal agency which insures mortgage loans with very liberal downpayment requirements for active-duty military, honorably discharged veterans and their surviving spouses. Walk-through. A final inspection of a home before settlement to search for problems that need to be corrected before ownership changes hands. Warranty. A promise, either written or implied, that the material and workmanship of a product is defect-free or will meet a specified level of performance over a specified period of time. Many builders offer 10-year warranties, like those provided through HW10, on their homes. Zoning. Regulations established by local governments regarding the location, height and use for any given piece of property within a specific area. (This information was provided courtesy of the National Association of Home Builders.)

It’s a good sign. Buying a new home is one of the most important investments you’ll ever make. So why not protect that investment with a 10-year home warranty? Service and security since 1984 LOCALLY OWNED AND OPERATED

(757) 424-6523 www.HW10.com

With HW10, your new home is insured for 10 years against major structural defects. However, you can’t purchase an HW10 policy on the open market. It’s a beneﬁt that only comes from an HW10-registered builder. So, when it’s time to make your new home purchase, ask your builder if he belongs to the HW10 program. If he does, it’s a good sign.

Financing Fundamentals

Buying your own Masterpiece home is easy! Your home is one of the most important investments you can make. Whether you are a first-time home buyer, a seasoned homeowner or somewhere in between, your needs are unique. Partnering with a dedicated and experienced mortgage lending professional ensures that you find the right loan to match your needs and opportunities. Your mortgage lender is there to provide the options, expert advice and superior client service that make the lending process flow smoothly. Of course, when you’re looking for a home, not just any place will do. You have personal preferences, likes and dislikes, and needs for particular features in your home. Your home loan options should be just as flexible to meet your needs. Whether you’re looking for a fixed monthly payment, lower initial payments, investment or vacation home financing or something in between, your mortgage lender should take the time to listen, understand your goals and then work closely with you, explaining your options in more detail and helping you determine which loan is best for you. MORTGAGE OPTIONS: Fixed Rate Mortgages • Variety of fixed rate loan terms available • Fixed payment for the life of the loan • Jumbo financing available • Balloon financing available Adjustable Rate Mortgages (ARMs) • Lower initial monthly payments for a specified period • Annual and life rate caps to limit interest rate movement • Jumbo financing available Construction/Permanent Mortgages • One loan covering the entire home-building process, from groundbreaking to housewarming • Only one set of closing costs • Jumbo financing available

Veterans Administration (VA) Mortgages • Available to active and retired military personnel • 100 percent financing available Low Down Payment and First-Time Home buyer Mortgages • Little or no down payment required • Gift funds allowed • Down payment assistance allowed • Rural financing available

In addition to expert advice, you deserve a prompt response and superior service, from application to closing. In addition to discussing the various loan programs with you, your mortgage lender can provide information about pre-qualifications and home buying education and counseling. When you are ready to apply, your lender can also help you determine what documentation to bring with you. This can include: • Your executed sales contract, if purchasing • A copy of your deed, if refinancing • Copies of your sales and/or construction contracts, as well as your house plans and specifications, if building • Original W-2 forms for the last two years – or your last two complete federal income tax returns if you are self-employed, on straight commission, own more than 25 percent of a company or partnership, or receive large bonus income • Original pay stub for your most recent pay period, covering at least 30 days • Proof of Social Security number (or ITIN) • Deposit, retirement and equities account statements for the most recent two months • Verification of funds for down payment and closing costs • Residence history and name, address and phone number of your mortgage company or landlord for the past 24 months • Employment history for the past 24 months and the address of the personnel office if different from your work address • List of debts, including approximate balance, required monthly payment and account numbers • List of properties owned, their approximate market value and the amount of annual tax and hazard insurance bills • The estimated value of your furniture and other personal property, including vehicles, boats and campers–including the make and model numbers of all vehicles Your needs are unique. Being prepared and working closely with your mortgage lender gives you the benefit of valuable expertise that can make your loan application process move smoothly and efficiently.

Source: BB&T Mortgage Member FDIC

Loans subject to credit approval.

(757) 546-3011 www.bbt.com

New First - time Home Buyer Tax Credit FAQs

The government is now offering even more incentive for first-time home buyers to buy NOW. The American Recovery and Reinvestment Act of 2009, which includes $787 billion in economic stimulus measures, created a new tax credit for first-time home buyers. Here’s what you need to know:

Who is eligible?

Effective dates for the tax credit

Income limits

This new tax credit provides an unprecedented

The new tax credit is available to first-time home buyers only. A first-time home buyer is defined as someone who has not owned a principal residence for three years or more. Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit.

How much is it?

The new legislation provides a tax credit equal to 10 percent of the sale price of the home, up to an $8,000 maximum. It is a true tax credit. It does not need to be repaid, unless the home owner sells the home within three years of the purchase.

What types of home qualifies for the tax credit?

The tax credit can only be used with the purchase of a home that will be the buyer’s principal residence. It cannot be claimed for the purchase of a vacation home or property to be used as a rental.

The credit applies to homes purchased by qualified buyers between Jan. 1 and Dec. 1, 2009. The purchase date is the date when closing occurs and the title transfers.

opportunity for people looking to buy their first home. Not only will they receive an $8,000 tax credit, they also will be taking advantage of record-low interest rates, a large selection of homes to choose from and competitive home prices. House hunters will also find that many builders have inventory that is “move-in ready,” and may offer upgrades or other incentives to seal the deal. Also, owners of existing homes who are looking to trade-up or relocate are ready to bargain. And, as a long-term investment, homeownership still remains a solid investment for Americans. For more information on the new tax credit, visit www.FederalHousingTaxCredit.com.

For Sale The Skyler Lynn:

Interesting House Features: This brick house has grand foyer with fluted columns and dome ceiling above staircase that leads to second-floor gallery. Extensive detailed trim, granite, and custom cabinetry seen throughout. Entertainment area has separate media room, game room and wet bar. Dining room features built-in saltwater aquarium. Outdoor area includes kitchen, pool and waterfall. Special feature three-car garage easily transforms into additional entertaining space. TCI Inc. P.O. Box 62521 Virginia Beach, VA 23466 757-306-0348 www.tcihomes.net

The Virginia Beach House

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Upper Floor

Builder highlights: Veteran Homearama

Courtesy of Stephen Fuller Unauthorized use of these plans is prohibited by copyright law.

Last year, Mike built two showcase homes in his debut Homearama, winning awards for Best Master Suite and Best Bath.

Architectural style: Traditional House size: 6,900 square feet in the main house with 1,000 in garage, 4 bedrooms and 5 baths, with 1 half bath Sales by: Tammy Thompson of Wainwright Real Estate (757-575-9305) Original architectural design by: Stephen Fuller Interior design by: Connie Bussey of Creations by Connie (757-679-1534) with furnishings by Great Bridge Furniture (757-482-6622), Havertyâ&#x20AC;&#x2122;s Furniture (757-497-9500), and Innovative Spas (757-490-7727) Landscaping by: Chris Basnight of Basnight Land and Lawn Inc. (757-436-9617) Construction financing by: Bank of Hampton Roads (757-493-2300)

Builder, Mike Thompson has worked in new construction for over 20 years. He received his start in the building industry by doing custom home framing back in 1985. Five years later, Mike branched out on his own and started TCI Inc., eventually stepping into the custom homebuilding market.

A Virginia Beach native, Mike typically builds five to six houses per year, ranging from around $500,000 to over $1 million. A hands-on builder, he does his own custom home framing work and supervises each of his jobs. Homes built by TCI Inc. can be found in the Chesapeake neighborhoods of Ravenna, Edinburgh and Emerald Forest, and Lago Mar, Ashville Park and Thalia in Virginia Beach.

For Sale The Van Gogh:

Interesting House Features: This EarthCraft certified stone home welcomes guests through a mahogany door into the grand foyer featuring a round staircase. The first-floor master suite opens to a sitting room warmed by a fireplace. Spacious great room, kitchen, breakfast area, wine room and screened porch with outdoor kitchen highlight the first floor. Second floor features include: three suite bedrooms with baths, a recreation room with fireplace, dedicated home theater encompassing tiered seating and a rear covered balcony. There is a separate children’s den, and additional third floor suite that transforms to homeowners flex area. Cohen Homes L.L.C. 389 Edwin Drive Virginia Beach, VA 23462 757-499-7000 or 757-472-5752 www.kencohenhomes.com

The Virginia Arts Festival House

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Builder Highlights:

Ken Cohen has been in the home building industry for close to 40 years. His homes are known for their signature casual elegance and European design. Over the years Ken has taken home numerous awards for his eight Homearama homes including Most Creative, Best Craftsmanship, Best Interior Design and the prestigious Hampton Roads Realtor Association award for Most Livable Home. In 2003, Ken’s Homearama entry swept the People’s Choice Awards winning gold awards for Favorite Landscaping, Favorite Interior Design and Favorite Home. Ken, who holds a Bachelor of Fine Arts degree in design from Virginia Commonwealth University, maintains open communication with his clients from concept through construction in order to meet their individual needs. Meticulous use of space and style ensures that every home he builds is an original.

Upper Floor Courtesy of Stephen Fuller Unauthorized use of these plans is prohibited by copyright law. Architectural Style: European transitional House Size: 6,485 square feet, 5 bedrooms, 6 baths and 2 half baths Sales By: Joni Kassir of Rose and Womble Realty (757-647-2735) Exterior Design by: Stephen Fuller with architectural design by Ken Cohen of Cohen Homes L.L.C. and blueprints by Tim Mayfield of Crow, Miller & Mayfield (757-547-2191) Interior Design by: Nancy Craig of Willis Furniture (757-340-2112) with furnishings by Willis Furniture (757-340-2112) Landscaping by: Tom Rozier of Dreamscape Designers (757-412-1265) Construction financing by: TowneBank (757-548-7200)

For Sale The Mothership

Interesting House Features: This EarthCraft certified green house, built with PolySteel insulating concrete forms, features green products such as solar panels that sell electricity back to the power company, greywater recycling system, geothermal HVAC, whole-house backup generator, conditioned attic, simulated slate 50-year recycled rubber shingles and tankless water heaters. Builder offers guaranteed $115-a-month utility bill. It also offers amenities such as a meditation labyrinth sponsored by the Edgar Cayce Foundation, outdoor kitchen, large entertainment room, steam shower in the master suite, four covered porches, conditioned wine room and safe room. Brick barrel ceilings highlight oversized dining room.

OFFICE

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Builder highlights: Chuck Miller has been

a homebuilder for 12 years and he has over 20 years experience in the home building industry. Chuck got his start by learning the construction business with a local builder while studying civil engineering in college. Chuck’s previous Homearama entries garnered Critics’ Choice awards for Best in Show, Best Special Product Feature, and Best Craftsmanship. He also won the 2008 Stanley Awards of Excellence for New Home Construction for Conservation and Preservation, Best Green Building and Best Outdoor Living. Chuck typically builds five to six custom homes per year and was the first builder in Tidewater to become certified as an EarthCraft House builder. EarthCraft is an innovative energy-efficient and environmentally conscious home building program. Chuck is the premier green home builder in the Hampton Roads area and his 2007 Homearama home was the first EarthCraft House built in Tidewater. Chuck has always held a commitment to incorporating green building practices in addition to providing personal supervision of the construction of each home he builds.

Upper Floor Courtesy of Stephen Fuller Unauthorized use of these plans is prohibited by copyright law. Miller Custom Homes 2913 Ryan Court Virginia Beach, VA 23456 757-472-9610 www.millercustomhomesonline.com Architectural style: Georgian House size: 6,571 square feet, 5 bedrooms and 6 baths, with 1 half bath Sales by: Donn Irby of Rose and Womble (757-547-1234) Original architectural design by: Tom Retnauer of Retnauer Design Associates (757-546-2471) Interior design by: Cathy Tellefsen of Complete Interiors (757-495-0133) with furnishings by Esprit Décor Home Furnishings (757-482-5175) Landscaping by: Tom Underhill of Coastal Landscaping (757-721-4109) Construction financing by: Monarch Bank (757-222-2100)

For Sale The Conner Glenn:

Interesting House Features: Beautiful home offers state-of-the-art theater center, spacious keeping room with fireplace and stone surround, screened-in gazebo porch, home office and butler’s pantry. Upstairs features a master suite complete with sitting area, private deck, and separate his and hers walk-in-closets. Convenient upstairs laundry room and media room finish out the second floor. Brick exterior compliments paver walkways and drive. The Walters Company Inc. 4665 Haygood Road Suite 401 Virginia Beach, VA 23455 757-490-0413 www.thewalterscompany.net

Tidewater Builders Association Charity House to benefit Children’s Hospital of The King’s Daughters

sponsored by Monarch Bank, WVEC-TV 13, Cox Communications, and Sinclair Communications

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Builder highlights: Award winning Homearama builder Herb Watson was born and raised right here in Hampton Roads. He holds a Bachelor of Science Degree in Business Administration from Old Dominion University and is a Certified Public Accountant. After college, Watson spent six years serving his country on active and reserve duty in the United States Navy. He has previously held various senior level positions with local retailers in the area of corporate finance. He began his career in construction 14 years ago with multiple home renovations and has taken great pride in building quality homes ever since. He typically builds about 10 homes per year and continues to do additions and renovations. Herb makes it a priority to provide each individual client with the highest level of service during the construction of their home and after. As a devoted husband and father, he understands the importance of making a house a home.

Upper Floor Courtesy of Stephen Fuller Unauthorized use of these plans is prohibited by copyright law. Architectural style: French Chateau House size: 5,200 square feet, 5 bedrooms and 4 baths Sales by: Fran Spence of Rose and Womble Realtors Inc. (757-692-5467) Original architectural design by: Stephen Fuller Interior design by: V2K Window Decor & More (757-673-7551) with furnishings by Esprit Décor Home Furnishings (757-482-5175) Landscaping by: Nathan Morales of Conceptual Outdoor Design L.L.C. (757-335-1529) Construction financing by: Monarch Bank (757-222-2128)

For Sale The Big League

Interesting House Features: Exquisite detailed trim throughout the entire home. Feature amenities include: loaded theater room, master suite with sitting area, spacious keeping room with fireplace, large kitchen and breakfast areas, three covered porches, pool, family utility studio and mudroom. Also has large guest suite over three car garage. Joey Corp. P.O. Box 16268 Chesapeake, VA 23328 757-482-9578 www.joeycorp.com

7 Cities Sport Complex

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Builder highlights:

Sam Cohen of Joey Corp. is a veteran Homearama builder and chair of this year’s event. Sam’s Homearama homes have made a lasting mark on show judges and visitors alike by previously winning honors including the TBA Past Presidents’ Favorite Home award, Best Home in Show, Best Craftsmanship, Best Interior Design, Best Integration of Technology and Most Efficient Floor Plan. Sam was born in Portsmouth and grew up in Norfolk. After completing his education, he jumped full force into the construction industry in 1978 and trained under one of the area’s most prominent builders. Today, the pride Sam takes in each home he constructs is evident through the signature craftsmanship that sets his homes above the crowd. Sam personally supervises his jobs and can be found working on each home he builds. Sam assures, that from beginning to end, customers always receive the same professional standard of excellence from Joey Corp.

Upper Floor Courtesy of Stephen Fuller Unauthorized use of these plans is prohibited by copyright law. Architectural style: Traditional House size: 6,300 square feet, 5 bedrooms and 5 baths, with 2 half baths Sales by: Patty Cohen of Re/Max Allegiance (757-647-6575) Original architectural design by: Stephen Fuller Interior design by: Michael Crow of Generations Brands (1-800-969-3347) with furnishings by Value City Furniture (757-306-8500) Landscaping by: Robert Nye of Renaissance Outdoor Contracting Inc. (757-548-5055) Construction financing by: Bank of Hampton Roads (757-819-1450)

For Sale Fragola Fête “Strawberry Festival”

Interesting House Features: Drive through porte-cochère, wrap around front porch and covered breezeway welcome guests from the street to this stately home. Large covered porches bring the outdoors in with over 600 square feet of porches. Inside a luxurious master suite comes complete with sitting area, old-fashioned claw-foot tub, and steam shower with body jets and rain head. Extensive media room has state-of-the-art equipment including drop down screen. Area Builders of Tidewater Inc. 2500 Gumtree Court, Suite 200A Chesapeake, VA 23321 757-488-4663 www.abtcustomhomes.com

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Builder Highlights: John W. “Chip” Iuliano III has been building in Homearama since 1992. He was also the president of Tidewater Builders Association in 2004.

A staunch supporter of Homearama, he chaired the award-winning show in 1998 and 1999. Through the years his showcase homes have captured many of the top awards, including the coveted Best Craftsmanship, Best Floor Plan, Best Interior Merchandising, Best Curb Appeal and Past President’s Favorite home. Chip’s last entry in Homearama won the bronze award for Best Home in Show. Chip has been building custom homes with prices ranging from $500,000 to over $1 million for 30 years, and during this time he has developed a reputation for superior quality and craftsmanship. He feels that his consistent availability to clients and his personal attention to detail are what continue to result in satisfied homeowners year after year.

Upper Floor Courtesy of Stephen Fuller Unauthorized use of these plans is prohibited by copyright law. Architectural style: Traditional House size: 4,827 square feet in main house with 726 in detached garage, 5 bedrooms and 4 baths, with 1 half bath Sales by: Mary Ross Ellsworth of ABT Realty (757-288-8822) Original architectural design by: Stephen Fuller Interior design by: Beth Gilbert of Gilbert Interiors (757-464-6408) with Furnishings by Value City Furniture (757-306-8513), Pembroke Stein Mart (757-499-0905) and Kirklands (757-627-8484) Landscaping by: Robert Askew of R.W. Askew Nursery (757-255-4498) Construction financing by: BB&T (757-398-8007)