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VIEWS: 5 PAGES: 8

									                                              http://www.Land-of-Pleasant-Living.com


                                                               News from
                                     The Land of Pleasant Living
Volume 1, Issue 1                     Complimentary Copy Courtesy of Connie Sparrow, Long & Foster Realtors®, 410-263-5579            SPRING 2002

Upcoming Events
April 18-21 – Bay Bridge Boat
                                        Real Estate Corner
Shows – Stevensville
April 27-28 – Maryland Mari-            Welcome to the first issue of “News from
time Heritage Festival,                 The Land Of Pleasant Living“.
Annapolis City Dock
April 28 – 28th – Bay Bridge
Walk – 8:30 AM                          I hope that you enjoy reading it, access-
May 18-24 – Naval Academy
                                        ing internet addresses on your computer
Commissioning Week,
410-293-2292.                           and calling me to help you or your
May 22 – Blue Angels Show               friends with all of your real estate needs.
over Severn River, 2 PM.                I love referrals!
May 27 – Memorial Day
June 9 – Great Chesapeake
Bay Swim, 10 AM.                        I like to highlight a house for sale in
June 16 – Father's Day                  each issue. The house has interesting
June 21-23 - Annapolis Wine,
Jazz and Arts Festival
                                        characteristics in location, construction
                                        and uniqueness.
                                                                                                                                L D
National Archives – Below:
Three Genealogy Workshops
Call 202-501-6694.
                                                        Contemporary

                                                   Cathedral Ceilings in
                                                                                                                          S O
April 16 – Union Civil War                           Family Room and
Records (9:30 AM–12:30 PM)
April 18 – Confederate Civil                             Living Room
War Records (9:30 AM–12:30
                                                                                                            Call Connie Sparrow at:
PM)                                                          0.4 Acre
                                                                                                        Home Office      Main Office
April 23 – African American                           Fenced Backyard                           Phone: 410-263-5579     410-266-5505 x122
Genealogy (6 PM– 9 PM )
                                                         Screen Porch                           Fax:    410-263-7725    410-224-0875
                                                                                                E-Mail: connie.sparrow@longandfoster.com
                                                           Hillsmere                                    connie@mris.com
 Inside this issue:
Real Estate Corner . . . . . 1

Prestige Partner’s . . . . . . 1        Long & Foster Prestige Partner’sCorner
                                                   Having a Settlement? Please use one:
From The Editor . . . . . . 2

Genealogy Corner. . . . . . 2           1    Universal Title . . . . . . . . . . . . . . . http://www.universaltitle.net/

                                        2    MBH Settlement Group, L.C. . . .
Computer Corner . . . . . . 2                                                               http://www.mbh.com/
                                        3    The Fountainhead Title Group . . http://www.fountainheadtitle.com/
Origins of AA Co . . . . . .   3-4
                                        4    Bon Air Title Group . . . . . . . . . . . http://www.landf.net/aweekly/2002/3-22-02/bonair.htm
St. John’s College . . . . . . 5-6
                                        5    RGS Title. . . . . . . . . . . . . . . . . . . . http://www.rgstitle.com/
Mortgage Corner . . . . . . 7
                                        6    BTC . . . . . . . . . . . . . . . . . . . . . . . . http://www.btc-cs.com/
Newsletter Goals . . . . . . 8
                                         NEWS FROM THE LAND OF PLEASANT LIVING


PAGE 2                                                                                                   VOLUM E 1, I S S UE 1




From The Editor:                          Let me tell you about myself:

♦   Long and Foster Real Estate Agent                        ♦   I’ve had fun and always a profit buying and selling
                                                                 homes since 1977. Let me help you achieve the same.
♦   Certified by Maryland Real Estate Commission
                                                             ♦   I welcome your call and the opportunity to be of ser-
♦   Past AT&T/NCR - a computer programmer, trainer,
                                                                 vice to you. Connie Sparrow 410-263-5579
    system analysis, reviews & reports, project manager,
    and sales support.                                       ♦   Let us build a relationship together.
♦   BA in Mathematics - UNC - Chapel Hill, NC

♦   MBA at Rutgers - The State University of NJ

♦   Masters Certificate in Federal Government Project
    Management at George Washington University, DC

♦   Editor of Speaks quarterly newsletter for Anne
    Arundel Genealogical Society

♦   President Huguenot Society of Maryland

♦   Born and raised in Baltimore, Maryland.

                                                                      Let me work with you! I love referrals!



Genealogy Corner – or “Why did you inherit that dumb thing from me?”
I’ve heard family stories since I was little and have been   3    Search for others who have done research on your
fortunate to know one great-grandmother, all of my                family line: http://www.FamilyTreeMaker.com
grandparents, lots of great-aunts and uncles as well as
tons of cousins, 1st, 2nd, 3rd and many times removed!       4    Join a local interest group for fun and help:
                                                                      Anne Arundel Genealogy Society
For You To Start Your Own Family Research:
                                                                      410-760-9679 (Thur-Sat, 10 AM – 4 PM)
1   Talk to your older relatives, get them to tell you
    family stories, dates and locations. Take notes!                  Next meeting May 9th, Thursday, 7:30 P.M.
                                                                      Topic: Marriages are Made in Heaven, but
2   Look at home for various documents: birth, death,                 Where are the Records? by Bob Barnes
    military, marriage, baby books, diaries, letters,
    scrapbooks, backs of pictures, etc. Make copies!                  United Methodist Church
                                                                      Benefield Blvd, Severna Park, MD

                                                             Search engines can be topic specific, i.e., Medicine,
Computer Corner                                              Genealogy, Education, General, etc.

                                                             Learn how to understand and use search engines:
                                                             http://www.monash.com/spidap.html.
SEARCH ENGINES
                                                             Another good search engine informative web site is:
Have you noticed when you go surfing on the                  http://www.SearchEngineWatch.com.
internet that you find different web pages when you
use different search engines? The question is                My favorite general search engine is:
“Which search engine is the best to use?” The                http://www.google.com.
answer is “It depends!”
Volume 1, Issue 1                                                                                                      PAGE 3
                                              NEWS FROM THE LAND OF PLEASANT LIVING


                       ORIGINS OF ANNE ARUNDEL COUNTY, MARYLAND

                                                  By Margaret Willis Sparrow


  In talking about her ancestors my grandmother said, “Our family came up from Virginia because they didn’t like it there.” As a
  child I wondered why they didn’t like it; Virginia is such a lovely state! When I got interested in genealogy, I found out why.

  When the English first colonized in North America, they called the whole area Virginia after Queen Elizabeth I, “the Virgin
  Queen”. Jamestown, first settled in 1607, was named after her successor James I. This was the first port of entry for colonists in
  Virginia who quickly spread around the area up and down the James and Elizabeth Rivers.

  Although King James sponsored the translation of the Bible into English, he was such a devout Anglican that he discouraged In-
  dependents or Non-Conformists religious groups, so much so that he vowed to drive them from England. As a result, one group
  of “Puritans” or Dissenters, fled to Holland while others sailed to Virginia. Nansemond and the Isle of Wight Counties south of
  the James River, was the center for the Puritan settlers. When Governor Harvey arrived in 1629, though, he proclaimed more
  rigorous laws and in 1631 had the Assembly pass a law to enforce the Established Church. His successor Governor Berkeley,
  was even more intolerant and enacted another law in 1647, jailing Puritan leaders and disarming all of them. After two Indian
  massacres in 1622 and 1644, this treatment made life in Virginia impossible for the Non-Conformists.

  In the meantime, Lord Baltimore, after being forced to leave a government position in England because he was a Catholic, was
  given a grant of land north from the Potomac River (part of Virginia). He promised freedom of religion to settlers, plus 100 acres
  of land to anyone coming to live here. Because the Protestants hesitated to serve under a Catholic, Lord Baltimore appointed a
  Protestant Governor - William Stone - in 1648 “to provide 500 people of British or Irish descent to reside within our said prov-
  ince of Maryland.”

  Governor Stone, hearing of the persecution of the Virginia Puritans, therefore invited them to come to Maryland to live; guaran-
  teeing freedom of religion. Two hundred families of about 1,000 Puritans moved in 1649 to “Providence” – unoccupied land on
  the Chesapeake Bay north of the Patuxent River from Herring Bay to the Magothy River. The Puritans requested a law similar to
  the one passed in England in 1647 guaranteeing freedom of religion. This was passed by the Maryland Assembly in 1649 - the
  first Act of Religious Toleration granted in this country.

  The center of the Maryland Puritans “Providence” was at Greenbury Point at the mouth of the Severn River, with some tracts of
  land across the river.

  When 100 families lived in an area, it was called a Hundred. The Hundreds settled by the Puritans became Broad Neck, West
  River, Herring Creek, South River, Town Neck, Middle Neck, Patapsco and Magothy. The main area of Providence was in
  Town Neck, because the settlers thought it would become a town. Eventually, though, they found that shifting sands and the
  shallow bottom of Whitehall Bay made it impossible as a harbor – the main reason for a town.

  Because of their experience in Virginia during the Indian massacres of 1622 and 1644, the Puritans were very anxious to have
  peace with the Maryland Indians – the Algonquins. Therefore, Puritan leaders Richand Bennett, Edward Lloyd, Captain William
  Fuller, Thomas Marsh (my ancestor), and Leonard Strong met with the Susquehannocks at the “Liberty Tree” on the present St.
  John’s campus in Annapolis on July 5, 1652 to sign a peace treaty.

  Shortly after, Governor Stone appointed Captain Fuller to lead an expedition against hostile Indians on the Eastern
  Shore across the Chesapeake. Because of the Treaty, Fuller and other Puritans refused to fight.

  Governor Stone removed Commissioner Lloyd from office and prepared for battle. Eventually in 1655, Stone’s
  forces sailed to the Severn with their army of 250 against Captain Fuller’s group of 100. The Puritans won and re-
  mained in power until 1658, when they made an agreement with restored Lord Baltimore, who gave them equal
  rights.

  Anne Arundel was the third county in Maryland (Kent and St. Mary’s 1 and 2) and was named after the former Lady
  Ann Arundell, wife of Lord Baltimore II.
PAGE 4                            NEWS FROM THE LAND OF PLEASANT LIVING                 VOLUM E 1, I S S UE 1




                            Origins of Anne Arundel County, Maryland (continued)

 When Elizabeth Harris, Quaker minister visited Anne Arundel County in 1655, followed by George
 Fox, many of the Puritans became Quakers. Most of them had moved to larger land holdings all over
 the Bay by 1695, when the capital of Maryland was moved to Annapolis.

 Archaeology of the Providence area has located some of the settlers’ home sites. Robert Burle, sur-
 veyor for Providence, owned “Burke’s Town Land”. The Town Neck Site was the home of merchant
 Ralph Williams. “Swan Cove” was owned by William Piper, William Fuller and members of the Drew
 family. “The Tanyard” belonged to Henry Lewis; then Thomas Thurston. “Leavy Neck”, first owned
 by William Piper and William Fuller, was then used by William Neale. There is a map of the first set-
 tlers’ lands 1650-67 inside “Providence, Ye Lost Town of Severn at Maryland.”

 Because of the type of construction used by the settlers – built on wooden posts sunk into the ground –
 very few of these early houses survive. A large amount of Dutch materials were used, verified by arti-
 facts discovered by Anne Arundel archaeologist Al Luckenbach and his staff and illustrated by realistic
 paintings of Dutch artists of the 17th century.

 -       -     -        -         -      -       -       -       -        -   -    -      -          -

 For further information on early Anne Arundel County, read:

 Andrews, Mathew Page. The Founding of Maryland. N.Y. Appleton-Century, 1938.

 Clayton Colman Hall, Ed. Narratives of Early Maryland. 1633-1684 4th in Series Original Narratives of
 Early American History. N.Y. Scribner’s 1910.

 Kelly, J. Reaney. Quakers in the Founding of Anne Arundel County, Maryland. Baltimore. Maryland
 Historical Society. 1963.

 Luckenbach, Al. Providence 1649. Studies in Local Historical Annapolis. Maryland State Archives and
 Maryland Historical Trust. 1995.

 Moss, James E. Providence, Ye Lost Town at Severn in Maryland. D.C. Maryland Historical Society.
 1976.




                   Liberty Tree
VOLUM E 1, I S S UE 1                          NEWS FROM THE LAND OF PLEASANT LIVING                                                         PAGE 5




                                              St. John’s College
                                                        By Julie V. Winslett

  The campus of St. John's College is a familiar landmark in Annapolis. But familiar as it may be, there are probably a lot of things about St.
  John's that many of us don't know. For example, did you know that St. John's College is one of the oldest institutions of learning in the U.
  S.? It can trace its roots back to 1696, the year that the King William's School was founded in Annapolis. King William's was founded as a
  grammar school and was located near the State House in a building that also housed the Maryland Assembly and Maryland free library. The
  school was notable for being the first school to prohibit religious discrimination. The idea of establishing a college had been on the minds of
  legislators for years, and in 1784, the Maryland legislature finally chartered a college that merged with King William's to become St. John's
  College.

  In the beginning, St. John's was both a grammar school and a college. It was located on four acres surrounding a house known to locals as
  "Bladen's Folly." Maryland's former governor, Thomas Bladen, had begun work on the house in 1742. He had envisioned a grand Palladian
  mansion with a central structure joined to wings by colonnades of pillars. But the building costs for such an extravagant abode proved to be
  beyond the Legislature's purse. Construction was eventually abandoned, leaving behind no more than a shell, which, by 1784, had deterio-
  rated to a ruin. (An interesting side note about Governor Bladen is that, in addition to Bladen's folly, he is also known for appearing in the
  first recorded reference to ice cream in North America. In 1744, a group of Virginia commissioners, who were on their way to negotiate a
  treaty with the Iroquois nation, stopped at Bladen's home in Annapolis and were served "some fine ice cream" made from milk and strawber-
  ries.)

  Because Bladen's Folly was uninhabitable, the legislature granted funds for reclamation. The house was repaired and finished over the next
  eight years. It housed the entire college – student and teacher living quarters, classrooms, and library. It was named McDowell Hall after St.
  John's first president, John McDowell. McDowell Hall (also called "The Great Hall") has always been the centerpiece of the St. John's cam-
  pus and is a handsome testament to Thomas Jefferson's praise when, after visiting Annapolis in 1766, he wrote, "They have no public build-
  ings worth mentioning except a governor's house, the hull of which after being nearly finished, they have suffered to go to ruin." With the
  exception of a small porch addition, the exterior of McDowell Hall has not changed over the years. It is remarkable that when we look at
  McDowell Hall today, we have the great fortune of seeing almost exactly what Annapolitans saw in 1792!

  Several Revolutionary War notables were connected with St. John's College. Four of the men who contributed money to the founding of St.
  John's were signers of the Declaration of Independence – Samuel Chase, Charles Carroll, Thomas Stone, and William Paca. William Paca
  was Maryland's governor at the time of St. John's charter. Two of the buildings on the St. John's campus are named after these individuals –
  the Chase-Stone House and the Paca-Carroll House. Two of George Washington's nephews attended St. John's, as did Martha Washington's
  grandson. Another great Revolutionary War figure, the Marquis de Lafayette, is also associated with St. John's. Long after the war was
  over, Lafayette was honored in Annapolis in 1824. As part of the festivities, he attended a review of soldiers on the St. John's campus and
  was the guest of honor at two banquets and a ball given in McDowell Hall.

  Key Auditorium on the St. John's campus is named after a famous figure from the War of 1812, Francis Scott Key, the man who wrote the
  words to our national anthem, "The Star-Spangled Banner." At the age of ten in 1789, Key was sent to Annapolis to enter St. John's College.
  While at St. John's, he lived with relatives, as there was a shortage of dormitory space in McDowell Hall. Key entered St. John's College at
  the grammar school level. He progressed to the intermediate section, which was called the "French School." He graduated with a Bachelor
  of Arts degree in 1796, and later earned a Master of Arts in 1800. Key went on to become a lawyer and was the founder of the St. John's
  Alumni Association.

  During the Revolutionary War, Annapolis played host to some of the French troops who had been sent to help the Americans win the deci-
  sive victory at Yorktown. In September of 1781, thousands of French soldiers and sailors were temporarily encamped in Annapolis. It is
  estimated that over a thousand of these men died during their stay in the city. They were buried on what became the back campus of St.
  John's College on the shores of College Creek. On April 11, 1911 the French Soldiers Monument was erected by the General Society of the
  Sons of the Revolution on the burial site to commemorate these brave men without whom we would have lost our bid for independence from
  Britain. A laying-of-the-wreath ceremony has been conducted at the monument every year to this day.
  St. John's underwent many financial troubles over the years. In 1805, the Legislature withdrew its funding and the school limped along until
  Hector Humphreys was appointed president in 1831. Humphreys was influential in renewing the academic life of the college, adding sci-
  ence to a curriculum that had theretofore comprised mathematics, philosophy, and the classics. Enrollment increased and the college pros-
  pered. Things changed again during the Civil War, when, bereft of its students, who had left to join the Union and the Confederate armies,
  St. John's was forced to close. The college was taken over by the Union Army Medical Corps and was used as a barracks and hospital for
  Union troops who had been paroled from Confederate prisons. By 1863, the barracks at both St. John's and the Naval Academy had become
  intolerably overcrowded and the soldiers were moved to a new site, Camp Parole. St. John's then became a field hospital and was known as
  College Green Hospital. The Union army had severely damaged the physical plant of the college during its occupation there, and when the
  war was over, it took thousands of dollars to restore the buildings and library. The college reopened in 1866.
                                               NE W S FROM THE LAND OF PLEASANT LIVING
PAGE 6                                                                                                                          VOLUM E 1, I S S UE 1




                                             St. John’s College (continued)
                                                                    By Julie V. Winslett

Compulsory military training was added to the curriculum in 1884 and a campus newspaper was started. In 1886, student recruiting was insti-
tuted and the curriculum was enhanced under the guidance of a new president, Thomas Fell. Fell was the first president charged with the task
of fundraising, which he performed very successfully. In 1923, the compulsory military training was abolished. In addition, students no longer
had to take a prescribed course, but could now choose from electives. The Depression brought great financial woes to the college, but in 1937,
Stringfellow Barr and Scott Buchanan changed the fortunes of the college by throwing out the old curriculum and instituting the Great Books
program at St. John's. This new program attracted national attention and ensured the future of St. John's. Women were admitted to St. John's
for the first time in 1951. The college became so successful that it was expanded to include a second campus in Santa Fe, New Mexico. To-
day, both campuses are thriving centers of learning.


No history of St. John's would be complete without mention of the Liberty Tree, which stood for four hundred years on the college campus un-
til it was taken down in 1999. Besides the annual croquet matches between the Naval Academy and St. John's which were held under it, the
Liberty Tree was also famous for its role in the Revolutionary War. The concept of Liberty embodied in a living tree was started by Samuel
Adams and The Sons of Liberty he helped found in 1765 when England tried to impose a stamp tax on America. The Sons of Liberty chose a
great elm in Boston as the tree under which they would meet to discuss their opposition to British oppression. They commissioned Paul Revere
to design a medal bearing the image of the tree with the caption "Liberty Tree." The idea of the Liberty Tree spread throughout the thirteen
colonies, and each colony chose a Liberty Tree of its own. In Maryland, Samuel Chase chose a tulip poplar growing on what was to become St.
John's campus. It was under these Liberty Trees that plans for revolution were made. The best-known critic of the Stamp Act was Daniel Du-
lany, a citizen of Annapolis. Dulany was very influential in getting all of the colonies to resist taxation without representation, and it is prob-
able that he met with other patriots many times under the St. John's Liberty Tree. The psychological effect of the Liberty Trees so profoundly
affected the British, that when they occupied Boston, they cut the Liberty elm down and chopped it into fourteen cords of wood. In Charleston,
they cut down the Liberty oak and burned the stump. The roots of the Charleston oak were saved, however, and were later made into heads of
walking canes, one of which was presented to Thomas Jefferson. In 1824, the Marquis de Lafayette returned from his home in France to Anna-
polis to thank Maryland for the state citizenship bestowed upon him in 1788 and to receive Maryland's expressions of gratitude for the crucial
role he played in the colonies' victory. Lafayette stood under the Liberty Tree at St. John's, reviewed the soldiers, and made a speech. (Calvin
Coolidge also made a speech under the tree). All of the Liberty Trees but the one in Annapolis were either destroyed by the British or suc-
cumbed to disease or old age over the years. The St. John's Liberty Tree carried on through the centuries, even though tulip poplars ordinarily
live for only two hundred and fifty years or so. It grew to a height of almost one hundred feet, surviving a fire and dynamite. Herculean efforts
were made to save the tree, including pouring tons of concrete into its hollow core, but in the end, Hurricane Floyd proved to be too much for
the venerable poplar. It was cut down October 25, 1999 after a solemn ceremony.
The University of Maryland is attempting to clone the Liberty Tree, and if it is successful, a clone will be planted on St. John's campus where
the original tree grew. Each of the other states will also receive a clone. If the cloning fails, there is consolation in that an offspring of the Lib-
erty Tree grows some yards distant from the site of its parent.

A well-known guitar-maker, Kevin Gallagher, was asked to build a guitar from the wood of the felled Liberty Tree, which he did. The guitar is
known as "The Liberty Tree Guitar." It's nice to realize that a part of the stately tree that was used as a symbol of freedom by our founding fa-
thers will still be used to carry on freedom's song.



 The Liberty Tree Guitar                                      Rededication & Annual Wreath-Laying Ceremony 10/18/2001




                                           Wording on the face of the monument

                                           “A tribute of GRATITUDE to the brave
                                           soldiers and Sailors of FRANCE buried
                                           here who gave their lives in the struggle
                                           for AMERICAN INDEPENDENCE the
                                           memory of their deeds will live forever
                                           1781-1783”
    www.taylorguitars.com
VOLUM E 1, I S S UE 1                  News from The Land of Pleasant Living                                                       PAGE 7




    Mortgage Corner:                         Susan Harrison 410-571-6224                                 Prosperity
                   Information Needed at Loan Application                                                Mortgage
1         W-2 (2 years) & 1 Months Current Paystubs

2         2 Year Address History – Landlord/Mortgage Company Name, Address and Account #s if Applicable

3         Employer Name/Address – 2 Years

4         Complete Copy of the Signed Purchase Agreement or Deed if Refinancing

5         Bank Statements – Most Recent 2 Months, all Pages (Checking, Savings and Asset)

6         Self-Employed or Commissioned Income– Last 2 Years Tax Returns with all Schedules, YTD, P&L

7         Green Card for Resident Aliens

8         Social Security Card & License (FHA)                                                                         Check List!
9         Certificate of Eligibility (VA)



Glossary of Terms:
•    ARM (Adjustable Rate Mortgage) - A loan with an interest rate that changes with market conditions on predetermined dates..

•    Conforming Loan – Mortgage loan which meets all requirements (size, type, age) to be eligible for purchase or securitization by
     Fannie Mae or Freddie Mac.

•    Discount Points – Also often called “points”, a discount point is a one-time charge imposed by the lender or broker to lower the
     rate at which the lender or broker would otherwise offer the loan to you. Each “point” is equal to one percent of the mortgage
     amount. For example, if a lender charges two points on an $80,000 loan, this amounts to a charge of $ 1,600.

•    Equity – Net ownership, the difference between fair market value and current indebtedness, sometimes called owner’s interest.

•    FHA – A federal agency within the Department of Housing and Urban Development (HUD) that provides mortgage insurance for
     residential mortgages and sets standards for construction and underwriting. The FHA does not lend money, nor does it plan or
     construct housing.

•    FSBO – “For Sale By Owner” A method to sell property directly by the owner without the aid of a real estate agent.

•    Jumbo Loan – A loan that exceeds the statutory size limit eligible for purchase of securitization by Fannie Mae or Freddie Mac.

•    LTV (Loan-to-Value) - The ratio of amount borrowed to appraised value or sales price of real property expressed as a percentage.

•    MI (Mortgage Insurance) - Insurance written to protect the mortgage lender against loss incurred by mortgage default, thus
     enabling the lender to lend a higher percentage of the sales price. The different terms used are MI of PMI (non-government pri-
     vate mortgage insurance issued by independent mortgage insurance companies), MIP (FHA mortgage insurance premium), or
     VAFF (VA funding fee).

•    Non-conforming Loan – A mortgage loan in which the loan amount, term, loan-to-value ratios, or other aspect of the loan ex-
     ceeds permissible conforming limits set by Fannie Mae or Freddie Mac and must be sold to alternative investors.

•    Origination Fee (Point) - This fee is usually known as a loan origination fee but sometimes called a “point” or “points”. It covers
     the lender’s administrative costs in processing the loan. Often expressed as a percentage of the loan, the fee will vary among lend-
     ers. Generally, the buyer pays the fee, unless otherwise negotiated.

•    Prepayment – The payment of all or part of a mortgage debt before it is due.

•    VA Loan – A mortgage loan made by an approved lender and guaranteed by the Department of Veteran’s Affairs. VA loans are
     made to eligible and those serving in the military and can have either no down payment or a lower down payment than other types
     of loans.
PAGE 8




 Connie Sparrow
 116 East Bay View Drive
 Annapolis, MD 21403-4102

 Home Office            Main Office
 Phone: 410-263-5579    410-266-5505 x122
 Fax:    410-263-7725   410-224-0875
 E-Mail: connie.sparrow@longandfoster.com
         connie@mris.com                                News from The Land of Pleasant Living
                                           ELOS
                                          R A T R®




 GOALS of this Free Newsletter                                       IF YOUR HOME HAS BEEN LISTED WITH
                                                                     ANOTHER BROKER, THIS IS NOT INTENDED
                                                                     AS A SOLICITATION OF THAT LISTING.

 1   Provide current real estate information to help                 PLEASE NOTIFY ME AT THE ABOVE
     the consumer.                                                   ADDRESS IF YOU DO NOT WISH TO
                                                                     RECEIVE THIS NEWSLETTER AND YOU
                                                                     WILL BE REMOVED FROM THE MAIL-
 2   Provide mortgage financing new$.                                ING LIST.

 3   List computer hints and links.                                  ALSO, LET ME KNOW IF YOU WANT ME
                                                                     TO ADD ANYONE ELSE TO THE MAIL-
                                                                     ING LIST.
 4   Share my genealogy hobby with you and help you
     climb your own family tree.

 5   Include 1-2 articles about Anne Arundel County,
     its history and people.

 6   Complimentary copy courtesy of Connie Sparrow at
     Long & Foster Realtors®.




                  We’re on the Web too!
         http://www.Land-of-Pleasant-Living.com
          http://www.LandofPleasantLiving.com

								
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