AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS

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AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS
2022

   FREDERICKSBURG AREA ASSOCIATION OF REALTORS®

    AFFILIATE DIRECTORY

publlished 7.10.22
                     www.faarmembers.com
AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS
Table of
Contents
                                                                                         The Association covers the
                                                                                         City of Fredericksburg and
                                                                                         the Counties of Stafford,
                                                                                         Spotsylvania, King George,
                                                                                         Orange, & Caroline.
2022 Leadership Team...................................................... 3
                                                                                         Although some members do
FAAR Staff & 2022 Calendar............................................4                  business in other counties
Member Benefits................................................................... 6     (Louisa, Westmoreland, Prince
Committees and Networks.............................................10
                                                                                         William, etc.), they have
                                                                                         selected FAAR to be their
Using the Online Directory.............................................. 12              primary association.
FAAR Academy........................................................................14
Certifications and Designations....................................16
                                                                                         Agents, please use the services
                                                                                         of our affiliate members who
Fredericksburg REALTORS® Foundation.............. 18                                     represent allied services in the
RPAC: Advocacy in Action................................................ 20              real estate industry.
Multilingual REALTORS®................................................. 22
Affiliate Directory alphabetically................................. 28                    Membership Statistics
Affiliate Directory by category...................................... 40
                                                                                         REALTOR® Members
Affiliate Categories
Assisted Living 40
Attorneys 40
                                                   Home Supplies/Closing Gifts 43
                                                   Home Warranty Companies 43
                                                                                                1885
Banks and Credit Unions 40                         Housing Assistance 43
Computer/IT Services 41                            Insurance 43
Deck Builder 41                                    MLS 43
                                                                                           Affiliate Members
Environmental Services 41                          Mortgage Companies 44
Event Vendors 41
Events and Marketing 42
                                                   News and Advertising 47
                                                   Organizing/Estate Cleanout 47                   127
Food Delivery Service 42                           Pest Control 48
Glass Manufacturer 42                              Photography & Media Services 48
Home Appraisers 42                                 Tax Services 48                           Member Offices
Home Builders 42                                   Title Companies 48

                                                                                                   291
Home Improvement 42                                Trade Associations 49
Home Inspectors 42                                 Transaction Coordinators 49

   2 | Affiliate Directory
AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS
YOUR
                                            2022
                                            LEADERSHIP
                                            TEAM

Executive Committee                           Directors
       President                                     Pia Contreras-Sanchez
       Deb Ellis                                     Prime Realty
       Coldwell Banker Elite                         3700 Lafayette Boulevard
       4840 Southpoint Dr.                           Fredericksburg, VA 22407
       Fredericksburg, VA 22407                      (540) 455-3310
       (571) 643-3387                                pia@primerealtyva.com
       dellis@coldwellbankerelite.com
                                                      Abby Fitzsimmons
       President Elect                                Coldwell Banker Elite
       Carol Sondrini                                 100 Parkway Boulevard
       Berkshire Hathaway HomeServices                Stafford, VA 22554
       PenFed Realty                                  (540) 779-4448
       10240 Kings Hwy                                abby@realestatewithabby.com
       King George, Virginia 22485
       (540) 623-0017                                Gary Gardiner Jr.
       carolsondrini@penfedrealty.com                Coldwell Banker Elite
                                                     4840 Southpoint Drive
       Vice President                                Fredericksburg, VA 22407
       Randy Walther                                 (540) 424-7888
       Nest Realty                                   ggardiner@coldwellbankerelite.com
       530 Princess Anne Street
       Fredericksburg, VA 22401                       Kardin Lillis
       (703) 624-9500                                 Weichert, REALTORS®
       randywalther@fxbg.net                          1955 Emancipation Highway, Suite 201
                                                      Fredericksburg, VA 22401
       Treasurer                                      (703) 798-4580
       Lauren Tate                                    kardin@weichert.com
       Century 21 Redwood
       10601 Courthouse Rd                            Clay Murray
       Fredericksburg, Virginia 22401                 Pathway Realty LLC
       (757) 969-9965                                 2217 Princess Anne Sreet, #305-1A
       laurentate@c21redwood.com                      Fredericksburg, VA 22401
                                                      (540) 798-7713
                                                      clay@claymurray.com
      Secretary
       Dawn Josemans
                                                      Matthew Rathbun
       Coldwell Banker Elite Property
                                                      Coldwell Banker Elite
       Management, 4840 Southpoint Drive
                                                      520 William Street, Suite A
       Fredericksburg, Virginia 22407
                                                      Fredericksburg, VA 22401
       (540) 538-6307
                                                      (540) 455-3350
       djosemans@cbeva.com
                                                      matthew@cbeva.com
       Immediate Past President                       Michele Freemyers (Affiliate)
       Carrie Danko                                   Ekko Title
       Pathway Realty Inc.                            1931 Plank Road, Suite 208
       2217 Princess Anne Street, #305-1A             Fredericksburg, Virginia 22401
       Fredericksburg, Virginia 22401                 (540) 899-1992
       (540) 786-0088                                 mfreemyers@ekkotitle.com
       carrieldanko@gmail.com

                                                                        Affiliate Directory | 3
AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS
FAAR Staff
Offering services online and in person!

    Page Browning, RCE                  Lori Hillard-Wehr           Kim McClellan, RCE            Linda Alsop, AHWD
   Chief Executive Officer      Membership Services Director       Public Policy Director          Financial Director
pbrowning@faarmembers.com      lhillardwehr@faarmembers.com    kmcclellan@faarmembers.com     lalsop@faarmembers.com

 Barbara Castillo, RCE, CIPS           Koko Martin                    Jennifer Saenz          Lauren Zuza, AHWD, e-PRO®
 Professional Development         Assistant Membership             Events & Sponsorships     Webmaster / Communications
           Director                  Services Director                   Manager                        Director
bcastillo@faarmembers.com       kmartin@faarmembers.com         jsaenz@faarmembers.com         lzuza@faarmembers.com

 2022 Scheduled Events*                                                                     Read
                                                                                                 y
                                                                                            Head      to reg
 *Dates and times subject to change. Confirm at faarmembers.com/calendar                         to faa       ister?
                                                                                               com/c    r m em
                                                                                                     alend bers.
 Date			                    Event                                                                            ar

 Jul. 20 HOA Rules for Real Estate Transactions
 Jul. 27 Short Sales 101
 Jul. 28 RE Roundtable: Caroline
 Jul. 29 YPN, WCR, FABA YPN Summer Celebration at Rick’s on the River
 Aug. 9 CE/PL
 Aug. 10 YPN Panel & Network Meeting

  4 | Affiliate Directory
AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS
Aug. 11 CE/PL
Aug. 11 Realtors® at the Ballpark event
Aug. 16 PL
Aug. 16 RPAC’s Game on: FAAR Night at the Arcade
Aug. 17 7 Things Successful Agents Do Differently: A Proven Business System
Aug. 18 PL
Aug. 19 What to Inspect when Inspecting
Aug. 24 Summer Law Series: Double Play Class
Sept. 13 Tech Time Workshop
Sept. 14 Conference & Expo
Sept. 19 Broker Management
Sept. 21 Digital Marketing: Establishing a Social Media Brand
Oct. 7 Foundation Golf Tournament
Oct. 12 Power up on Smart Home Technologies
Oct. 11 CE/PL
Oct. 13 CE/PL
Oct. 13 Military Relocation Professional Certification Class
Oct. 18 PL
Oct. 20 PL
Oct. 22 YPN Annual Pub Crawl
Oct. 26 Investing Strategies
Oct. 27 Halloween Mixer
Nov. 1 Real Estate Negotiation Expert - Day 1
Nov. 2 Real Estate Negotiation Expert - Day 2
Nov. 3 RE Roundtable: Orange
Nov. 4 Converting Leads Into Closings
Nov. 7 Managing Brokers Network                        View the Bright MLS
Nov. 8 Tech Time Workshop                              training schedule and
Nov. 17 Latte & Learn                                  the Graduate, Realtor
Dec. 6 CE/PL                                           Institute (GRI) class
Dec. 7 Installation                                    designation schedules at
Dec. 8 Systems will set you Free
                                                       faarmembers.com/flyers
Dec. 8 CE/PL
Dec. 13 PL
Dec. 14 YPN Panel & Network Meeting
Dec. 14 Pricing Strategies Advisor Certification Course
Dec. 15 PL
                                                                  Affiliate Directory | 5
AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS
Benefits of
                                      Membership
GENERAL                         objectives. A facilitated       was designed by REALTOR®
                                planning session occurs every   association executives to
The FAAR Logo The bold          three years. A new strategic    address the basic needs of
logo reminds members and        plan will be adopted in 2023.   REALTOR® associations
the public that the REALTOR®                                    across the country. Data
community is a modern, vibrant Professional Staff The           collection and data migration
organization.It is a commitment staff of eight carry out the    to other programs will be
to the members of exceptional policies set by the 13-member easier. Membership Services
service and to the community, Board of Directors. They          Director Lori Hillard-Wehr
It is a dedication to providing are knowledgeable in their      comments. “RAMCO is user
professional service and        respective fields and dedicated friendly and designed to
promoting the area’s quality of to delivering stellar service.  accommodate what we do on a
life.                                                           daily basis.”
                                Committees/Governance-
Bright MLS FAAR is a            The various groups of           FAAR Office
stockholder member of Bright volunteers plan and execute        The main space of the FAAR
MLS which provides agents       an array of networking          office is on the second floor-
with member pricing.            opportunities and ensure        reception, classroom, staff
                                that the association operates   offices, Member Lounge,
Leadership FAAR is              according to NAR policies.      REALTOR® Store, restrooms
recognized as a progressive                                     and a kitchen. The first floor
association with capable        Financial Stability FAAR is     FAAR Annex was added for
leaders focused on providing    financially solvent guided by   the Board of Directors Room,
relevant services and benefits sound policies and investment a small conference room,
to the membership.              planning.                       waiting room, kitchenette and
                                                                the video studio.
Strategic Plan The Board        RAMCO Membership
of Directors reviews the        Database System RAMCO,          Office Visits The staff and
Plan quarterly to track         supported by the National       leadership visit real estate
the implementation of its       Association of REALTORS®.       offices to bring information

  6 | Affiliate Directory
AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS
The mission of the Fredericksburg Area Association of REALTORS® is to provide its members with
the resources to deliver professional and ethical service and to advocate for issues impacting real
estate. FAAR strives to accomplish this mission through a variety of services offered to members.
Take advantage of these products and services today!

about the association and to     Designations Designations          Awards and Recognition
address your concerns. Call Lori advance careers. Courses are       Recognition is awarded for
at 540-373-7711 to arrange for scheduled throughout the year.       outstanding achievements in
a visit.                                                            the profession at the annual
                                 Non-Credit Educational             FAAR Awards Event.
Affiliate Marketing Program      Opportunities FAAR offers
(AMP) Affiliates are given       many opportunities for             FAAR Expo FAAR's premier
the opportunity to network       education that are outside of      education and networking
more closely with members by     license renewal. FAAR offers       event held every September.
sponsoring association events    many classes aimed at building     The FAAR expo returns as an
and programs. Activities are     your business to increase both     in-person event in 2022.
often free to the members        productivity and profitability.
because of the sponsorships of                                      Additional Events Special
the AMPs.                        Outreach Events FAAR hosts         events for members may
                                 a variety of outreach events       include economic summits,
PROFESSIONAL DEVELOPMENT in areas like North Stafford,              transportation meetings, family
                                 Lake Anna, Caroline, Orange,       fun days, bowling, and a variety
New Member Orientation           and King George to bring both      of other opportunities to
Orientation gives members        education and business building    network.
the chance to learn about        opportunities to all of our
what services the Association    agents.
provides and also tools to make
your business successful.        Networking/Committee
                                 Involvement Participating
Continuing Education Earn        in FAAR committees is a
continuing or post license       way to develop leadership
education credits or enhance     skills and make valuable
your knowledge through a         contacts. Members shape the
broad selection of classes       Association’s future.
taught by top-notch instructors.

                                                                                Affiliate Directory | 7
AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS
Benefits of Membership (continued)

COMMUNICATIONS                  products through FAAR, VAR      trends and provide a valuable
                                and NAR vendors.                narrative about why those
Website and Facebook                                            trends are happening. FAAR
Page FAAR’s website            REALTOR® Store and               provides a short, press release
(faarmembers.com) and          Member Lounge The                version and also provides a
Facebook (facebook.com/        REALTOR® Store offers            longer, agent-focused version
faarmembers) pages are         popular business items from      packed with charts and
online information resource    sign riders to St. Joseph        graphs.
available 24/7 for the latest  statues. The Member Lounge
news, events, MLS statistics,  shares space in the Store        Fredericksburg Area Home
industry trends and feature    and is a welcoming corner        Sales Report Quarterly
articles.                      for you to catch up on paper     update compiled by the
                               work or to grab a cup of         Virgina REALTORS®
Email Updates and              coffee and listen to the news.   Economist for each FAAR
Newsletters FAAR provides      Need to access a computer?       jurisdiction.
an email update each Friday    There is one available in the
and a pdf newsletter 2 times a Member Lounge. The first         Notary Service FAAR staff
year. These communications     floor conference room is         member, Lori Hillard-Wehr, is
focus on association           available for client meetings.   a notary public. Contact Lori
information, events, education Check with the front desk for    at the office to schedule an
and advocacy all delivered     availability.                    appointment for free notary
straight to your email inbox.                                   services.
Look for the monthly activity  Sentrilock Lockbox Services
summary to give a snapshot of Purchase lockboxes at the         PROFESSIONAL STANDARDS
upcoming events.               FAAR office.
                                                                Code of Ethics FAAR is
PRODUCTS AND SERVICES           Quarterly Market Statistics     devoted to increasing the
                                Reports FAAR partners           level of professionalism of
Professional Discounts          with Bright MLS to produce      members and the public they
Membership means discounts      quarterly real estate reports   serve. FAAR provides risk
for a variety of services and   that detail local market        management courses, in-

 8 | Affiliate Directory
AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS
The Voice of Real Estate

                            www.faarmembers.com

house arbitration and conducts                       The Voice of Real Estate

ethics hearings.

Mediation Services FAAR
works to resolve disputes                         FAAR Car The white van,                                  RPAC RPAC supports
between members.                                  wrapped with the FAAR logo                               candidates for public office
                                                  is a traveling advertisement                             who understand the real estate
Ombudsman Program Added                           for area REALTORS®. It is also                           industry and will work to
to resolve issues before they                     the service vehicle for FAAR                             keep it strong. Relationships
become a complaint.                               Academy Road Shows, office                               fostered through RPAC help
                                                  visits and for transporting event                        REALTORS® cut through
PUBLIC AFFAIRS                                    materials to venues. .                                   government red tape to ensure
                                                                                                           members can practice the
Legislative Advocacy FAAR is                      House & Home Magazine The                                profession they love. In the past
your voice in local, state                        Association is a contributor to                          3 years, FAAR was named a
and national government real                      the Free Lance Star’s Friday                             Triple Crown winner, meeting
estate issues, offering members                   publication, the House & Home                            goals with members of major
the opportunity for direct                        tabloid. Look for the FAAR logo                          investors, funds raised for size,
involvement.                                      that brands the content to the                           and percentage of member
                                                  Association. Topics will vary                            participants.
                                                  from stats to housing study
                                                  reports.

                                                                                                           Read more at
                                                                                                           faarmembers.com/
                                                                                                           member-benefits

                                                                                                                      Affiliate Directory | 9
AFFILIATE DIRECTORY 2022 - FREDERICKSBURG AREA ASSOCIATION OF REALTORS
Committees and
  Networking Groups Roster
  Education and                     Property Management               Fredericksburg
  Professional                      Committee                         REALTORS® Foundation
  Development
                                    Chair: Don Pett                   President: David Cropper
  Chair: Kevin McGrath
                                    Don@WilkinsonPM.com               David@CropperHomeSales.com
  fredva@lnf.com                                                      Staff Contact: Kim McClellan
  Vice Chair: Meghan Kala           Vice-Chair: Stephanie Michael
                                                                      kmcclellan@faarmembers.com
  meghan@meghankala.com             stephaniedmichael@gmail.com
  Staff Contact: Barbara Castillo   Staff Contact: Kim McClellan
  bcastillo@faarmembers.com         kmcclellan@faarmembers.com

  Awards Committee                  Managing Broker                   Communication and
                                    Network                           Technology Committee

  Chair: Carol Sondrini             Chair: Pia Contreras-Sanchez      Chair: Michael Brannon
  carol.sondrini@penfedrealty.      pia@primerealtyva.com             mbrannon@cbeva.com
  com                               Staff Contact: Barbara Castillo   Vice Chair: LeAnn Black
  Vice Chair: Lauren Tate           bcastillo@faarmembers.com         leannblack13@gmail.com
  laurentate@c21redwood.com
                                                                      Staff Contact: Lauren Zuza
  Staff Contact: Page Browning
                                                                      lzuza@faarmembers.com
  pbrowning@faarmembers.com

017
  Public Policy/                    Young Professionals
                                                                               2017
                                                                      Special Events

ffiliate
  RPAC Committee

  Chair: Ieshia Leverette
                                    Network (YPN)

                                    Chair: Allison Graves
                                                                      Committee

                                                                               Affiliat
                                                                      Chair: Richard Bibb

irectory                                                                       Direct
  ieshialeverette@gmail.com          agraves@cbeva.com                richard.bibb@goosehead.com
  Vice Chair: Matt Young            Vice Chair: Tamar Myers-Moffatt   Vice Chair: Catrina Schmeidler
  myoung@ekkotitle.com              therealtexpert@gmail.com          schmeidlersells@gmail.com
  Staff Contact: Kim McClellan      Staff Contact: Lauren Zuza        Staff Contact: Jennifer Saenz
  kmcclellan@faarmembers.com        lzuza@faarmembers.com             jsaenz@faarmembers.com

    10 | Affiliate Directory

    10 | Affiliate Directory
Joining a FAAR
                                                                     committee is a
 Professional Standards             Diversity, Equity, and           great way to get
                                    Inclusion (DEI) Committee
                                                                     involved with
 Chair: Sherry Bailey
 c21bailey@aol.com                  Chair: Sha Williams-Hinnant
                                                                     the Association
 Vice Chair: Sha Williams-Hinnant
 realtorsha@gmail.com
                                    realtorsha@gmail.com
                                    Vice Chair: Randy Walther
                                                                     and network with
                                    randywalther@fxbg.net
 Staff Contact: Page Browning
 pbrowning@faarmembers.com          Staff Contact: Page Browning     fellow agents.
                                    pbrowning@faarmembers.com

                                                                     FAAR has a variety
                                                                     of options that
 Grievance                          Budget & Finance/
                                    Investment                       appeal to every
 Chair: Alicia Angstadt
                                                                     discipline within
                                    Chair: Lauren Tate
 angstadtregroup@gmail.com
 Vice Chair: Kristie Walker
                                    laurentate@c21redwood.com        real estate and
                                    Staff Contact: Linda Alsop
 krismariew@gmail.com
 Staff Contact: Barbara Castillo
                                    lalsop@faarmembers.com           builds on the
 bcastillo@faarmembers.com
                                                                     many talents of

     2017
 Nominations Committee              Community Service
                                                                     our members.

te Affiliate
                                                                   Women’s Council of
                                    Committee                      REALTORS®

 Chair: Carrie Danko                Chair: Johanna Merino          President: Dawn Veronica Curry

tory Directory
 carrieldanko@gmail.com             realtorjohannamerino@gmail.    dcurry@kw.com
 Vice Chair: Carol Sondrini         com
 carol.sondrini@penfedrealty.       Vice Chair: Sherrie Shaw
 com                                sshaw@summit-mortgage.com
 Staff Contact: Page Browning       Staff Contact: Lauren Zuza
 pbrowning@faarmembers.com          lzuza@faarmembers.com

                                                                                Affiliate Directory | 11
Online Directory
  Search Affiliates and REALTORS®

  Click Member Search or navigate to faarmembers.com/member-search

017                                                               2017
ffiliate                                                            Affiliat
irectory                                                          Direct
  Search by Member type, office name, field of business, languages spoken, and more!

   12 | Affiliate Directory
Updating your Info
  using faarmembers.com

 Login at faarmembers.com/myaccount and click on “Update Profile” in the blue box

     2017
te Affiliate
tory Directory
 Information that can be updated here includes
  •   Address               •   Password Reset Q&A        • Text Message Preference
  •   Phone Numbers         •   Languages spoken          • Email Roster Preference
  •   Email                 •   Primary Field of Business
  •   Birthday              •   Email Preferences

                                                                  Affiliate Directory | 13
FAAR Academy continues to be a place you can
                             take not only all the state license required classes in a
                             convenient two day seminar, but also a multitude of
                             electives.

                             “The FAAR Academy strives to make learning fun with
                             interactive scenario-based education both in the
                             classroom and at road show locations throughout
outlying areas. Don’t be surprised to find yourself taking an interactive quiz,
competing with the other attendees while in a contracts class! FAAR Academy
is an approved school with both VR and NAR and is proud to work together with
these associations to offer designations and certification classes. Being a part of
FAAR ensures all classes are written and coordinated with memberships needs in
mind.” -Barbara Castillo, RCE, CIPS, Professional Development Director

Benefits
As a member benefit, members can attend FAAR Academy courses at a
discounted rate. FAAR Academy is also a source of non-dues revenue for the
association. The revenue produced by FAAR Academy is used to minimize
membership dues and support additional benefits to association members and the
community. In attending courses at FAAR Academy members can feel confident
that they are supporting the association, their community, the real estate industry
and helping minimize their own dues while receiving quality education.

Instructors
FAAR Academy is an award-
winning school offering quality and
relevant curriculum designed by the                 Interested in
knowledgeable members of the
Fredericksburg Association of REALTORS®,
                                                    Instructing?
our talented team of instructors, and FAAR
Academy’s Professional Development                  Ready to elevate the real estate
                                                    industry and diversify your
Director. This unique group of 15+
                                                    expertise while supplementing
individuals has over 150 years of combined
                                                    your income and getting free
experience and the degrees, designations
                                                    continuing education credit? Email
and certifications to ensure the information        bcastillo@faarmembers.com if you
you receive is the best in the industry.            are interested in becoming a FAAR
                                                    Academy instructor.
  14 | Affiliate Directory
Roadshows
FAAR Academy offers competitively priced, complete seminars to meet state
licensing requirements (Real Estate Post Licensing, Continuing Education, and
Broker Management Courses). FAAR Academy can bring classes to offices
including technology, designations and certifications! To schedule an office class,
email bcastillo@faarmembers.com.

                                                                   Connect with FAAR
                                                                  to hear about classes
                                                                     and other news!

                                                                   Click on the phone
                                                                   to go to the social
                                                                     media channel
                                                                       on screen!

 What’s coming up?                              Too busy to attend
 View the flyers                                a class in person?
 Visit faarmembers.com/flyers to                Save time! Save money! It is
 see all the upcoming classes with              convenient!
 open registration.                             Visit faarmembers.com/online-
                                                education for FAAR Academy’s
                                                online classes.

                                                                     Affiliate Directory | 15
Certifications and Designations
   The National Association of REALTORS® and its affiliated Institutes,
   Societies, and Councils provide a wide-range of programs and services
   that help members increase their skills, proficiency, and knowledge.
   Designations and certifications acknowledging experience and
   expertise in various real estate sectors are awarded by NAR and each
   affiliated group upon completion of required courses. These are just a
   few of the designations offered online and at FAAR.

Accredited Buyer’s                                     Real Estate Negotiation Expert / RENE
Representative® / ABR®                                 This certification is for real estate professionals who want to
The Accredited Buyer’s Representative (ABR®)           sharpen their negotiation skills. The RENE certification program
designation is designed for real estate buyer agents   gives REALTORS® the tips and tools they need to be skillful
who focus on working directly with buyer-clients at    advocates for their clients.
every stage of the home-buying process. The ABR®       Register for the upcoming course at www.faarmembers.com.
designation provides many membership benefits to
help your business and network grow, keeping you
up-to-date with new enhancements added annually.
FAAR Academy offers the main ABR course and a          At Home With Diversity® / AHWD®
variety of elective options annually.                  Learn to work effectively with – and within – today’s diverse real
Learn more at abr.realtor.                             estate market. The At Home With Diversity certification teaches
                                                       you how to conduct your business with sensitivity to all client
                                                       profiles and build a business plan to successfully serve them.
The Certified Real Estate Brokerage                    Presented by the National Association of REALTORS®
Manager / CRB is one of the most                       For more information on this course and its business principles, visit
respected and relevant designations offered in         www.nar.realtor/at-home-with-diversity.
real estate business management and is awarded
to REALTORS® who have completed advanced
educational and professional requirements. CRB         Certified Residential Specialist / CRS
Designees are better positioned to streamline          The CRS designation is the highest credential awarded
operations, integrate new technology and apply         to residential sales agents, managers, and brokers. On
new trends and business strategies. Join today and     average, CRS designees earn nearly three times more in
discover a new approach to enhancing knowledge         income, transactions, and gross sales than non-designee
and leveraging opportunity.                            REALTORS®.
Visit REBInstitute.com for more information.           Register for the upcoming CRS courses at www.
                                                       faarmembers.com.

     16 | Affiliate Directory
Prefer self-paced                                              REALTORS® with a
       learning?

                                                                     82%
                                                                      designation earn up to

       NAR has compiled an
       extensive library of field
       guides. Check them out at
       https://www.nar.realtor/                                       more than their
       library-archives/references                                    counterparts without.

e-PRO®                                                        Military Relocation Professional / MRP
NAR’s e-PRO® certification teaches you how to use the         NAR’s Military Relocation Professional certification focuses on
latest social media technologies, such as Facebook and        educating real estate professionals about working with current
Twitter, to create an online presence vital in reaching       and former military service members to find housing solutions
today’s hyper-connected consumers. NAR’s e-PRO®               that best suit their needs and take full advantage of military
certification also teaches you how to take advantage of       benefits and support.
rich media and e-office strategies to run your business       Register for the upcoming course at www.faarmembers.com.
more efficiently.
Presented by the National Association of REALTORS®
Learn more about e-PRO® at www.epronar.com.
                                                              Seniors Real Estate Specialist® / SRES®
                                                               The SRES® Designation program educates REALTORS® on how
NAR’s Green Designation / GREEN                               to profitably and ethically serve the real estate needs of the fastest
Through NAR’s Green Designation, the Green REsource           growing market in real estate, clients age 50+. By earning the SRES®
Council provides ongoing education, resources and tools to    designation, you gain access to valuable member benefits, useful
help real estate practitioners find, understand, and market   resources, and networking opportunities across the U.S. and Canada
properties with green features. Presented by The Green        to help you in your business.SRES® Designation program educates
REsource Council­—Learn more at green.realtor                 REALTORS® on how to profitably and ethically serve the real estate
                                                              needs of the fastest growing market in real estate, clients age 50+.
                                                              Presented by SRES® Council—Learn more at sres.realtor

         Be on the lookout for these classes and more at FAAR at
                      faarmembers.com/calendar

                                                                                                      Affiliate Directory | 17
Founded in 1990 by the Fredericksburg Area Association
                                of REALTORS®, the Fredericksburg REALTORS®
                                Foundation, Inc. is a private, non-profit organization.
                                The Foundation solicits public and private contributions
                                to distribute among various charitable organizations
                                throughout the Fredericksburg area. It is governed by
                                the IRS as a Section 501(c)(3) private foundation. All
                                donations to the Foundation are tax deductible.

                       The Foundation provides grants to local charitable
                       organizations whose clients struggle with hardships that
                       threaten their ability to secure and retain shelter. The
 Board of Directors appoints Governors for a three-year term. The Governors
 are made up of eleven REALTORS® and two Affiliate members.

                                    2022 Board of Governors
   David Cropper, President             Selina Kim, Vice President       Abby Fitzsimmons, Treasurer
     Cropper Home Sales                     Summit Mortgage                 Coldwell Banker Elite
David@CropperHomeSales.com            skim@summit-mortgage.com           afitzsimmons@cbeva.com
        540-226-1439                           412-973-6232                      540-779-4448

    Jennifer Cook, Secretary                 Denise Smith                        Elaine Arnold
           Nest Realty                Century 21 Redwood Realty               KW Superior Realty
jencookvirginiarealtor@gmail.com      denisedsmith@hotmail.com              elainearnold@kw.com
          540-907-3415                      540-3538-6331                        540-847-6974

        Jennifer Burton                        Carol Sondrini                  Pam Godfrey
  Century 21 Redwood Realty         Berkshire Hathaway PenFed Realty            Universal Title
 jennburtonsells4u@gmail.com        Carol.Sondrini@penfedrealty.com      pgodfrey@universaltitle.com
         540-903-9442                          540-623-0017                     540-842-5725

        Shannon Mauro                       Randy Walther                      Matthew Crane
   United Real Estate Premier                 Nest Realty                      Exit Real Estate
    smauro0624@gmail.com                randywalther@fxbg.net          mattcrane@exit-fredericksburg.com
         540-429-2006                        703-624-9500                       703-785-9881

                                                Teresa Irish
                                          Weichert, Realtors®
                                       Teresairish118@gmail.com
                                             540-903-7418

   18 | Affiliate Directory
Committed to
    the entire housing picture...
Since 2020, the Fredericksburg Realtors® Foundation has granted out nearly
$60,000 to local non-profits focused on housing. These funds were used for
emergency COVID relief, veteran housing, wheelchair ramps, and much
more. The amazing generosity of our members allowed us to help countless
families and individuals throughout our community. The organizations that
we supported include:

•       SAWs Virginia
•       Thurman Brisben Center
•       Transitions 4 You, Inc.
•       516 Project
•       Rebuilding Together
•       Rappahannock United Way
•       Havens for Heroes
•       Caroline Habitat for Humanity

Want to join this great group of volunteers? The Foundation is always
looking to for interested Realtors® and affiliate members to add to the
Board of Governors. Email foundation@faarmembers.com for more
information.

                                                             Affiliate Directory | 19
ADVOCACY                                            IN    ACTION
YOUR RPAC DOLLARS AT WORK
So what kind of local issues has FAAR advocated on recently?
Stafford County Downzoning
What happened?                       What did FAAR do?                    What was the outcome?
Stafford County sought to            The Association engaged in a         The Board ultimately voted 5-3 in
restrict the rights of private       year-long advocacy battle            favor of a compromise to downzone
property owners by increasing        educating local elected officials    from 3 acres to 6 acres. FAAR’s
the minimum lot size in              on the impacts to property           efforts helped stave off the more
agriculturally zoned areas from 3    owners and the potential impact      onerous proposal of a 10-acre lot
acres to 10 acres. This action       to affordability in the County.      minimum and also put family
applied to family subdivisions as    FAAR launched a Call for Action,     subdivision into the spotlight,
well, greatly reducing lot yields,   hosted many meetings with            which is poised for a fix soon.
and impacting smaller parcels in     officials, and spoke at County
the County the most.                 meetings.

Spotsylvania Short-Term Rental Restrictions
What happened?                       What did FAAR do?                    What was the outcome?
In the spring of 2021, the           FAAR quickly engaged with            The issue is ongoing but the
Spotsylvania County Board of         Supervisors and sent a letter of     County and FAAR have open
Supervisors raised the idea of       concern outlining the impacts        lines of communication as the
enacting greater regulations on      to property owners who have          process moves from idea phase
short-term rentals that could        long been renting their              to recommended ordinance
significantly impact property        properties                           phase.
owners’ ability to rent their
homes as they see fit.

Affordable Housing

What happened?                       What did FAAR do?                    What was the outcome?
The super-heated local real          FAAR secured a grant from the        FAAR intends to develop an
estate market renewed ongoing        National Association of              advocacy plan around affordable
conversations about how many         Realtors® to lay out an action       housing to engage local elected
middle-and low-income residents      plan to advocate for policies        officials and enact policies that
cannot compete when trying to        that can actually move the           will have an impact.
buy a house. FAAR and individual     needle on housing accessibility
Realtor® members have been a         and affordability. As part of that
part of those discussions since      effort, the consultant held a
their inception but the              meeting to field test the ideas to
Association has never adopted        see what approaches Realtors®
specific policies on how to          thought would have the biggest
address the issue.                   impact.

  20 | Affiliate Directory
Affiliate Directory | 21
Multilingual REALTORS
 REALTOR Name                      Company                        Email               Phone         Language
Beall, Karen               Castle Key Realty & Proper-   karen@castlekeyrealty.com 301-648-6625    American Sign
                           ty Mgt, LLC                                                             Language
Breeden, Amy               eXp Realty                    amy.breeden@exprealty.    540-205-4077    American Sign
                                                         com                                       Language
Burroughs, Christina EXIT Elite Realty                   christinarmburroughs@     301-848-1245    American Sign
                                                         gmail.com                                 Language
Delgado, Elizabeth         United Real Estate Premier    delgadorealty03@gmail.    571-297-5833    American Sign
                                                         com                                       Language
Hicks, Andrew              Century 21 Redwood Realty lakeviewcontracting@          540-845-1951    American Sign
                                                     outlook.com                                   Language
Nolasco, Kimberly          Superior Realty LLC           kimnolasco@kw.com         540-809-9586    American Sign
                                                                                                   Language
Ho, Simon                  Century 21 New Millennium simon.ho@c21nm.com            703-408-3403    Chinese
                           - Fr
Shing, Tse                 Hometown Realty Services,     jshing@htrsi.com          540-842-1269    Chinese
                           Inc.
Angulo Negron,             Samson Properties             sangulosells@gmail.com    703-774-4979    French
Sebastian
Carrington, Shawn          MacDoc Property Manage-       shawn.m.carrington@gmail. 540-226-2991    French
                           ment, LLC                     com
Forror, Mark               Exit Elite Realty             mark.forror@exit-         703-868-7987    French
                                                         fredericksburg.com
Moncure, Fernanda          eXp Realty                    fernanda.Ibarra@exprealty. 540-429-7447   French
                                                         com
Berger, John               RE/MAX Allegiance             bergerteamva@gmail.com    757-618-3300    German
Maticic, Dagmar            Belcher Real Estate           dagmar.maticic@gmail.com 910-650-9311     German
Geronymakis, Va-           Samson Properties             billgeron@gmail.com       540-840-2141    Greek
sileios
Kaur, Sunny                eXp Realty LLC                sunnykaur003@gmail.com    703-577-4736    Hindi
Nawaz, Ali                 Century 21 New Millennium Alinawaz@yourside.net         540-373-2000    Hindi
                           - Fr
Younas, Muhammad           United Real Estate Premier    muneeb_younas@hotmail.    703-755-5571    Hindi
                                                         com
Ogershok, Melina           Coldwell Banker Elite         ozteam@coldwellbankerel   540-659-2141    Italian
                                                         ite.com
Fenwick, Kison             Weichert Co. of Virginia      kison2inva@aol.com        540-287-8036    Korean
Franklin, Brianna          At Your Service Realty        briannafranklinrealtor@   540-623-6690    Korean
                                                         gmail.com
Gunselman, Kim             BHHS PenFed Realty            kgunselman@gmail.com      540-371-7653    Korean

      22 | Affiliate Directory
REALTOR Name                Company                        Email                 Phone           Language
Roberts, Ronald       Samson Properties            robertsra1982@gmail.com 703-785-1527          Korean
Criscuolo, Carla      Coldwell Banker Elite        carlacriscuolo11@gmail.     540-845-1674      Portuguese
                                                   com
Daigle, Lyndsey       Weichert Co. of Virginia     mrsbaigle@gmail.com         540-371-9600      Portuguese

Kaur, Sunny           eXp Realty LLC               sunnykaur003@gmail.com      703-577-4736      Punjabi
Nawaz, Ali            Century 21 New Millennium Alinawaz@yourside.net          540-373-2000      Punjabi
                      - Fr
Pervaiz, Zain         eXp Realty                   zainpervaiz18@gmail.com     540-907-3910      Punjabi
Younas, Muhammad      United Real Estate Premier   muneeb_younas@hotmail.      703-755-5571      Punjabi
                                                   com
Mihoc, Gabriela       BHHS PenFed Realty           gabrielamihoc@gmail.com     540-379-7214      Romanian
Ganeyeva, Tatyana     Coldwell Banker Elite        tganeyeva@cbeva.com         540-220-5530      Russian
Moran, Svetlana       Superior Realty LLC          msvetlana@gmail.com         540-538-5486      Russian
Olson, Vassa          United Real Estate Premier   vassaatthelake@gmail.com    540-840-9444      Russian
Alfaro, Mario         Town & Country Elite Realty mario.tcer@gmail.com         540-369-2989      Spanish
                      LLC
Aquino Matos, Ev-     Weichert Co. of Virginia     evelynaquinohomes@          540-229-6442      Spanish
elyn                                               gmail.com
Barker, Maribel       Fawn Lake Real Estate Co.    maribelbarker@gmail.com     540-907-2712      Spanish
Benitez, Daysi        Samson Properties            daysiebenitezg@gmail.com 703-343-3793         Spanish
Berens, William       Coldwell Banker Elite        wpberens@gmail.com          540-842-5652      Spanish
Caminos, Marina       United Real Estate Premier   caminosmarina@gmail.com 540-841-4045          Spanish
Camuendo, Paola       eXp Realty LLC ST            paola@tesoroteam.com        703-986-9832      Spanish
Contreras, Abelardo   Prime Realty LLC             larrycontreras@gmail.com    540-226-5001      Spanish
Contreras-Sanchez,    Prime Realty LLC             pia@primerealtyva.com       540-455-3310      Spanish
Pia
Correa, Miguel        Superior Realty LLC          miguelcorrearealtor@        540-842-7575      Spanish
                                                   gmail.com
Fernandez, Gabriel    eXp Realty                   Gaby@buyingfredericks       540-840-4229      Spanish
                                                   burg.com
Figarella, Sara       Coldwell Banker Elite        sfigarella@coldwellbanker   540-538-6558      Spanish
                                                   elite.com
Francis, Charline     Keller Williams Capital      CharlineFrancis@outlook.    561-727-4126      Spanish
                      Proper                       com
Goudyrev, Rosmary     Q Real Estate                rosmary@qrealestatesolu     760-683-4781      Spanish
                                                   tions.com
Guasp, Stephen        At Your Service Realty       guasp4@outlook.com          615-540-3394      Spanish

                                                                                        Affiliate Directory | 23
Multilingual REALTORS
 REALTOR Name                     Company                         Email               Phone       Language
Guilday, Jennifer          United Real Estate Premier   jguildayvarealtor@gmail.   540-940-1397   Spanish
                                                        com
Hoyt, James                Coldwell Banker Elite        jhoyt@cbeva.com            703-789-0766   Spanish
Jenkins, Neyla             Long & Foster Real Estate,   neyla.jenkins@lnf.com      703-915-5997   Spanish
                           Inc
Jenkins, Philip            Long & Foster Real Estate,   philip.jenkins@lnf.com     703-915-2556   Spanish
                           Inc
Laboy, Wilfredo            Century 21 New Millennium realtorwilfredolaboy@         203-583-1842   Spanish
                           - Fr                      gmail.com
Lugo Vargas, Ashley        United Real Estate Premier   ashleylugohomes@gmail.     540-446-6906   Spanish
                                                        com
Manzano, Ruth              Long & Foster Real Estate,   elizabeth.manzano@long     540-809-1107   Spanish
                           Inc                          andfoster.com
Martin, Evelyn             The Martin Team Property     Evelyn.martinteam@gmail.   540-359-1563   Spanish
                           Management, LLC              com
Mills, Oana                Coldwell Banker Elite        oanamills@gmail.com        540-514-0277   Spanish
Moncure, Fernanda          eXp Realty                   fernanda.Ibarra@exprealty. 540-429-7447   Spanish
                                                        com
Morales, Glenda            Cropper Home Sales LLC       glendamoralesinva@gmail.   540-848-4565   Spanish
                                                        com
Munoz, Natali              1st Choice Better Homes &    hello@nmunozhomes.com      540-841-4376   Spanish
                           Land
Muruwat, Bejan             Fathom Realty VA LLC         muruwatb@gmail.com         571-366-0646   Spanish
Nance, Kristofer           Nance & Associates, Real-    kristofernance@gmail.com   540-373-7474   Spanish
                           tors
Nance, Stephanie           Nance & Associates, Real-    nanceteam@nancerealtors. 540-373-7474     Spanish
                           tors                         com
Odonnell, Monica           Long & Foster Real Estate,   monica.odonnell@longandf 571-722-2019     Spanish
                           Inc                          oster.com
Osegueda, Jose             eXp Realty LLC ST            jose.osegueda@exprealty.   540-300-5007   Spanish
                                                        com
Rahal, Simone              Home Dream Realty and        simone.homedream@gmail. 540-369-6025      Spanish
                           Property                     com
Rake, Elsa                 Century 21 Redwood Realty elsa@c21redwood.com           540-226-9340   Spanish
Rivera, Liliana            NextHome Elite Plus          lilisellsinva@gmail.com    352-425-1940   Spanish
Rodriguez, Jaime           EXIT Elite Realty            jaimerodriguez0828@        863-602-4986   Spanish
                                                        gmail.com
Rodriguez, Sandra          NextHome Elite Plus          homeswithsandrag@          540-205-0354   Spanish
                                                        gmail.com

      24 | Affiliate Directory
REALTOR Name              Company                    Email                Phone           Language
Romero, Heydi      United Real Estate Pre-  heydiromerorealtor@        540-374-1111     Spanish
                   mier                     gmail.com
Rossie, Alex       Ink Homes and Lifestyle  contactalexrossie@gmail.   540-287-0321     Spanish
                   LLC                      com
Sedlak, Maria      Vertical Real Estate     mafesedlak@gmail.com       540-656-6181     Spanish
Soto-Velazquez,    BHHS PenFed Realty       madelinesotorealtor@       540-226-9413     Spanish
Madeline                                    yahoo.com
Taormina, Rosolino Lakeside Real Estate LLC RosolinoT@gmail.com        804-822-2567     Spanish
Ameka, Dorcas      CTI Real Estate          amekarealtor@gmail.        540-282-1996     Swahili
                                            com
Nawaz, Ali         Century 21 New Millenni- Alinawaz@yourside.net      540-373-2000     Urdu
                   um - Fr
Pervaiz, Zain      eXp Realty               zainpervaiz18@gmail.       540-907-3910     Urdu
                                            com
Younas, Muham-     United Real Estate Pre-  muneeb_younas@hot          703-755-5571     Urdu
mad                mier                     mail.com
Tran, Tammy        United Real Estate Pre-  4tammytran@gmail.com       540-850-3018     Vietnamese
                   mier

                                                                               Affiliate Directory | 25
Affiliate Directory | 27
Alphabetical by Company
                                 Affiliate Directory
FREDERICKSBURG AREA              Kyle, Claudia               Livingston, Scott
ASSOCIATION OF REALTORS®         9Hammers, LLC               NMLS#286561
AFFILIATE MEMBERS                540-940-9778                American Financial Network
AS OF 6/22/2022                  1127 International Pkwy     NMLS#237341
                                 Fredericksburg, VA 22406    540-809-4828
                   A             claudia@9hammers.com        108 Westwood Office Park
                                                             Fredericksburg, VA 22401
Schmidt, Donna                   Milano, Ray                 slivingston@afncorp.com
2-10 Home Buyers Warranty        9Hammers, LLC
800-795-9595                     540-834-9791                Johnson, Sanford
13900 East Harvard Ave           1127 International Pkwy     NMLS#457780
Aurora, CO 80014                 Fredericksburg, VA 22406    Ameris Bank NMLS#408099
doschmidt@2-10.com               RM@9Hammers.com             540-273-7005
                                                             1440 Central Park Blvd.
Toler, Marcus                    Sawdy, John                 Ste.100-B
360 Marketing-Big Day            A & S Environmental, Inc    Fredericksburg, VA 22401
Productions                      540-371-6630                sanford.johnson@amerisbank.
540-419-2409                     P O Box 8295                com
618 Kenmore Ave Suite 2C         Fredericksburg, VA 22404
Fredericksburg, VA 22401         jsawdy@asenviro.com         King, Philip
mark@360marketingonline.com                                  NMLS#659446
                                 Bernard, Deneen             Ameris Bank NMLS#408099
Bailey, Kyler                    NMLS#207094                 540-785-3333
9Hammers, LLC                    Affordable Home Loans       1440 Central Park Blvd.
540-842-2760                     NMLS#358334                 Ste.100-B
1127 International Pkwy          540-376-4194                Fredericksburg, VA 22401
Fredericksburg, VA 22406         5201 E Philippi Pl          philip.king@amerisbank.com
kyler@9hammers.com               Fredericksburg, VA 22407
                                 dbernard@                   Burns, Christopher
Diehr, Lori                      affordablehomeloans4U.net   Atlantic Builders
9Hammers, LLC                                                804-640-9726
540-842-0304                     Moore, Barry                1975 Emancipation Highway
1127 International Pkwy          NMLS#73116                  Fredericksburg, VA 22401
Fredericksburg. VA 22406         Alcova Mortgage             cburns@atlanticbuilders.com
lori@9hammers.com                NMLS ID#40508
                                 540-656-2869                Schoedel, Tom
Diehr, Tim                       4530 Plank Rd. Suite 100    Atlantic Builders
9Hammers, LLC                    Fredericksburg, VA 22407    540-891-8540
540-623-8343                     b.moore@alcova.com          1975 Emancipation Highway
1127 International Pkwy                                      Fredericksburg, VA 22401
Fredericksburg, VA 22406                                     tschoedel@atlanticbuilders.com
tim@9hammers.com

      28 | Affiliate Directory
FAAR does not warranty these providers or their work. Consumers are encouraged to
research their choices by whatever means they deem necessary. Clients are free to use any
vendor that they prefer. This list is simply a starting point and clients are free to search online
or other trusted resources to obtain referrals.

Bilotta, Joanne                    Lewis, Nick                         Mulvihill, Tanner
NMLS#2271387                       NMLS#226099                         NMLS#276814
Atlantic Coast Mortgage            Atlantic Coast Mortgage             Bayfield Home Loans
NMLS#643114                        NMLS#643114                         NMLS#271648
703-615-1575                       703-268-6316                        540-318-6108
3800 Fettler Park Dr, Ste 202      3800 Fettler Park Dr., Ste 202      239 Garrisonville Rd Ste 202
Dumfries, VA 22025                 Dumfries, VA 22025                  Stafford, VA 22554
jbilotta@acmllc.com                nlewis@acmllc.com                   tanner@bayfieldhomeloans.com

Church, Mac                                         B                  Smith, Robin
NMLS#659377                                                            Bradford and Company Inc
Atlantic Coast Mortgage            Marchand, Jamie                     415-892-6058
NMLS#643114                        NMLS#2190800                        1050 Northgate Drive
540-272-2969                       Bayfield Home Loans                 San Rafael, CA 94903
3800 Fettler Park Dr Ste 202       NMLS#271648                         rsmith@bradfordtaxsolutions.com
Dumfries, VA 22025                 254-383-5421
mchurch@acmllc.com                 239 Garrisonville Rd Ste 202
                                   Stafford, VA 22554
                                   jamie@bayfieldhomeloans.com

                                                                                 Affiliate Directory | 29
Johnson, Ana                                                     Bennett, Katie                                     Bardy, Carl
Bright MLS                                                       NMLS#1722523                                       Central Virginia Housing
301-838-4618                                                     CBM Mortgage                                       Coalition, Inc
9707 Key West Ave                                                NMLS#282839                                        540-604-9943
Ste 300                                                          703-479-6114                                       2300 Charles Street
Rockville, MD 20850                                              210 N Main St                                      Fredericksburg, VA 22401
ana.johnson@brightMLS.com                                        Culpeper, VA 22701                                 cbardy@centralvahousing.org
                                                                 kbennett@cbmmortgage.com
                         C                                                                                          Marucci, Nicole
                                                                 Kearns, Beth                                       Champion Title & Settlements,
Williams, Diane                                                  NMLS#807828                                        602-621-1956
NMLS#310452                                                      CBM Mortgage                                       4565 Daisy Reid Avenue
C & F Mortgage Corporation                                       NMLS#282839                                        Suite 200
NMLS#147312                                                      540-905-0192                                       Woodbridge, VA 22192
540-548-8855                                                     210 N Main St                                      nicolem@championtitle.com
1320 Central Park Blvd, #201                                     Culpeper, VA 22701
Fredericksburg, VA 22401                                         bkearns@cbmmortgage.com
dwilliams@cfmortgagecorp.com

                                                                                                                HELLO,
   We’re all a                                                                                        PARTNER WITH US!
   family here.                                                                                   We paid Realtors Over $650 Million
                                                                                                   in commissions last year alone.
                                             Become a member today.
                                                                                                  Over $736 million in commissions
                              Membership has it’s perks!                                           last year alone! Get your piece of
           From our great loan rates and convenient mobile banking
        features, membership is full of great benefits. With over 60
                                                                                                             the pie in 2022!
      years of supporting our community under our belt, you can be
                       confident that we’ll always be there for you.

   Free E-Statements          FREE Online Banking App*            Access to your Accounts
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                                                                                                     VIEW OUR ACTIVE LISTINGS HERE!
                                              Visit topsidefcu.org or scan
                                                    the QR code with your                              Call Brooke to schedule your showing (804) 801-9528.
                                                 smart phone’s camera to                                      drhorton.com/virginia/richmond/inventory
                                                  open an account online.

                         Federally insured by NCUA. *Third party data & service fees may apply.

       30 | Affiliate Directory
Liddy, Tim                         Witt, Erin
Charden LLC                        NMLS#1597503
                                                                                       D
540-623-4668                       CMS Mortgage Solutions Inc         Horne, Jonathan
4217 Willowbrook Court             NMLS#212405                        D.R. Horton
Fredericksburg, VA 22408           804-405-8554                       804-510-9139
laurie@chardenva.com               1612 Centerville Turnpike, Suite   2820 Waterford Lake Dr
                                   307                                Midlothian, VA 23112
Montgomery, Kelly                  Virginia Beach, VA 23464           JBHorne@drhorton.com
Choice Home Warranty               erin@cmsmtgsolutions.com
703-987-7021                                                          Scotto, Kristin
2147 Route 27 South                McGee, John                        D.R. Horton
Ste 400                            Colony Pest Control                804-200-3585
Edison, NJ 08817                   540-379-9365                       2820 Waterford Lake Dr
kmontgomery@CHWPro.com             P.O. Box 6608                      Midlothian, VA 23112
                                   Fredericksburg, VA 22403           knscotto@drhorton.com
Clatterbuck, Greg                  jjmm900@yahoo.com
Clatterbuck Home Inspections                                          Harrison, Steve
571-337-2745                       Connolly, Kathleen                 NMLS#995374
6276 Brook Ct                      Connolly Appraisal Company,        Day 1 Mortgage
Boston, MA 22713                   LLC                                NMLS#1889104
greg@clatterbuckinspections.       804-690-9936                       703-625-0508
com                                PO Box 302                         80 Prosperity Lane
                                   Ashland, VA 23005                  Stafford, VA 22556
Carter, Corrina                    connollyappraisals@gmail.com       steve.harrison@day1mortgage.
NMLS#212406                                                           com
CMS Mortgage Solutions Inc         Robinson, Barry
NMLS#212405                        CSI Home & Commercial Services
757-558-2603                       866-996-4274                                        E
1612 Centerville Turnpike, Suite   10822 Courthouse Rd                Freemyers, Michele
307                                Fredericksburg, VA 22408           Ekko Title
Virginia Beach, VA 23464           barry@csiofvirginia.com            540-899-1992
ccarter@cmsmtgsolutions.com                                           1931 Plank Road Ste.208
                                   Wimbrough, Russell                 Fredericksburg, VA 22401
Okrasinski, Melissa                Cutco Closing Gifts                mfreemyers@ekkotitle.com
NMLS#296211                        757-714-7207
CMS Mortgage Solutions Inc         103 Archer Rd                      Young, Matthew
NMLS#212405                        Newport News, VA 23606             Ekko Title
757-558-2603                       russell@aforevergift.com           703-965-1064
1612 Centerville Turnpike, Suite                                      1931 Plank Road Ste.208
307                                                                   Fredericksburg, VA 22401
Virginia Beach, VA 23464                                              myoung@ekkotitle.com
melissao@cmsmtgsolutions.com

                                                                                Affiliate Directory | 31
Books, Jenny                       Cooke, Dena                   Cowper, Rusty
NMLS#476224                        NMLS#1858237                  NMLS#414481
Embrace Home Loans                 Embrace Home Loans            Embrace Home Loans
NMLS#2184                          NMLS#2184                     NMLS#2184
540-842-1484                       540-446-3369                  540-842-8642
1671 Emancipation Highway          1671 Emancipation Highway     1671 Emancipation Highway
Ste. 205                           Ste. 205                      Ste. 205
Fredericksburg, VA 22401           Fredericksburg, VA 22401      Fredericksburg, VA 22401
jbooks@embracehomeloans.           dcooke@embracehomeloans.com   rcowper@embracehomeloans.
com                                                              com

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Reid, John                     Heltzel, Rob                        Williams, Katie
NMLS#293315                    NMLS#203008                         First American Home Warranty
Embrace Home Loans             Fairway MC                          804-402-7269
NMLS#2184                      NMLS#2289                           764 Cuz Way
540-842-1484                   540-718-0849                        King William, VA 23086
1671 Emancipation Highway      1320 Central Park Blvd              Katiewilliams@firstam.com
Ste. 205                       Suite 200
Fredericksburg, VA 22401       Fredericksburg, VA 22401            Burke, Rob
jreid@embracehomeloans.com     rob.heltzel@fairwaymc.com           First Citizens Bank
                                                                   540-207-7700
Reid, Tammy                    Smith, Arthur                       1575 Emancipation Hwy
NMLS#1733970                   NMLS#375900                         Fredericksburg 22401
Embrace Home Loans             Fairway MC                          rob.burke@firstcitizens.com
NMLS#2184                      NMLS#2289
540-840-9282                   804-357-5871                        Habina, Paul
1671 Emancipation Highway      1320 Central Park Blvd              First Guardian Title & Escrow
Ste. 205                       Suite 200                           703-494-4000
Fredericksburg, VA 22401       Fredericksburg, VA 22401            12660 Lake Ridge Drive
treid@embracehomeloans.com     arthur.smith@fairwaymc.com          Woodbridge 22192
                                                                   phabina@fgte.com
             F                 Martino, Jim
                               NMLS#587274                         Vance, Joe
Fincham, Carrie                The Federal Savings Bank            First Guardian Title & Escrow
NMLS#1230368                   NMLS#411500                         703-254-9033
Fairway MC                     540-845-2138                        2217 Princess Anne St
NMLS#2289                      2300 Fall Hill Ave                  213-1
540-718-0849                   Ste 2240                            Fredericksburg, VA 22401
1320 Central Park Blvd         Fredericksburg, VA 22401            Joevance1@gmail.com
Suite 200                      jmartino@thefederalsavingsbank.
Fredericksburg, VA 22401       com                                 Moore, Maria
carrie.fincham@fairwaymc.com                                       Fredericksburg Area Builders
                               Ferrell, Dan                        Association
Heltzel, David                 Ferrell’s Termite & Pest Control,   540-379-9176
NMLS#2110599                   Inc.                                3006 Lafayette Blvd,
Fairway MC                     540-872-2616                        Fredericksburg, VA 22408
NMLS#2289                      427 Haden Ln, Bumpass, VA           mmoore@fabava.com
703-606-0038                   23024
1320 Central Park Blvd         ferrellspres@aol.com                Muldrow, Christopher
Suite 200                                                          Fredericksburg Today
Fredericksburg, VA 22401       Hultgren, Lisa                      205-527-7644
david.heltzel@fairwaymc.com    First American Home Warranty        1616 Caroline St
                               703-859-2700                        Fredericksburg, VA 22401
                               764 Cuz Way                         chris@rambletype.com
                               King William, VA 23086
                               lhultgren@firstam.com                          Affiliate Directory | 33
Haynes, Gail                     Toler, Marcus
The Free Lance Star              Hometown FXBG                                     K
540-424-2217                     540-419-2409                       Sloat, Jennifer
1340 Central Park Blvd Ste101    618 Kenmore Ave                    K. Hovnanian Homes
Fredericksburg, VA 22401         Ste 2c                             703-885-7133
ghaynes@freelancestar.com        Fredericksburg, VA 22401           4090-A Lafayette Center Drive
                                 info@hometownfxbg.com              Chantilly, VA 20151
Newman, Gene                                                        JSloat@khov.com
NMLS#615323                      Hockman, Lisa
Fulton Mortgage Company          Horizon Appraisals                 Thompson, Alicia
NMLS# 485401                     540-207-5499                       Kensington Vanguard National
540-894-0471                     6801 Tupelo Dr, Spotsylvania, VA   Land Services
5753 Courthouse Rd Ste 7         22551                              540-242-5230
Spotsylvania, VA 22551           horizonappr@comcast.net            9 Kingsland Drive Ste 109
gnewman@                                                            Stafford, VA 22556
fultonmortgagecompany.com        Fisher, Adalyn                     athompson@kvnational.com
                                 House Master
                                 813-786-1683                       Anderson, Natasha
                   G             3 Boulder Dr                       NMLS#1019958
                                 Stafford, VA 22554                 Keystone Funding Inc.
Bibb, Richard                    ady.fisher@housemaster.com         NMLS#144760
Goosehead Insurance - Richard                                       703-895-1089
Bibb                             Fisher, Timothy                    4565 Daisy Reid Ave
540-349-9069                     House Master                       Ste 240
145 Harrell Road, Ste 101        540-288-0869                       Woodbridge, VA 22192
Fredericksburg, VA 22401         3 Boulder Dr                       nanderson@keystonefunding.
richard.bibb@goosehead.com       Stafford, VA 22554                 com
                                 tim.fisher@housemaster.com
                   H                                                               L
Harvey, Scott                                    I
                                                                    Brawner, Victoria
HomeTeam Inspection Service      Sulser, Linda                      Lakeside Title Company
540-621-2218                     NMLS#500618                        443-283-3029
7411 Snow Hill Drive             Integrity Home Mortgage Corp.      4471 James Madison Pkwy
Lic. No. 338-000-0883            NMLS#208516                        King George, VA 22485
Spotsylvania, VA 22551           703-517-9732                       vickee@lakesidetitle.com
sharvey@hometeam.com             7130 Heritage Village Plaza
                                 Ste 102                            Victoria, Deidre
                                 Gainesville, VA 20155              Lock & Key Transactions LLC
                                 lsulser@ihmcloans.com              804-475-2083
                                                                    2800 Bolling Ct
                                                                    Richmond, VA 23223
                                                                    hello@lockandkeytc.com

      34 | Affiliate Directory
Ayers, Matt
              M            Wahlberg, Jennifer             NMLS#572178
                           NMLS#1548940                   Movement Mortgage
Blake, Phillip
                           The Money Store                NMLS#39179
MBH Settlement Group
                           NMLS#1019                      540-760-1978
540-373-1300
                           571-228-3171                   1125 Emancipation Hwy
1956 William St
                           8449 Link Hills Loop           Ste 380
Fredericksburg, VA 22401
                           Gainesville, VA 20155          Fredericksburg, VA 22401
sandrabla@verizon.net
                           jwahlberg@themoneystore.com    matt.ayers@movement.com
Blake, Sandra
                           Moritz, Michael
MBH Settlement Group
                           Michael A. Moritz
540-373-1300
                           540-786-4500
1956 William St
                           8249 Rozell Rd, Woodford, VA
Fredericksburg, VA 22401
                           22580
sblake@mbh.com
                           mike@bestappraisal.com
Bohn, Nick                      Hallett, Chad
NMLS#450883                     NMLS#1894417                                   P
Movement Mortgage               Movement Mortgage             Loveall, Matthew
NMLS#39179                      NMLS#39179                    Perma Treat Pest Control
540-907-5627                    716-720-0698                  540-373-6666
8024 Calvin Hill Rd             1125 Emancipation Hwy         501 Lafayette Blvd
Indian Land, SC 29707           Ste 380                       Fredericksburg, VA 22401
nick.bohn@movement.com          Fredericksburg, VA 22401      mloveall@permatreat.com
                                chad.hallett@movement.com
Dayfield, Robert                                              Wolfrey, Troy
NMLS#2227340                    Buchanan, Amy                 Perma Treat Pest Control
Movement Mortgage               MREAssist, Inc.               540-373-6655
NMLS#39179                      703-942-9802                  501 Lafayette Blvd
540-760-2255                    14415 Round Lick Ln           Fredericksburg, VA 22401
1125 Emancipation Hwy           Centreville, VA 20120         twolfrey@permatreat.com
Ste 380                         amy@mreassist.com
Fredericksburg, VA 22401                                      Regan, Tasha
Rob.Dayfield@movement.com       Redding, Bethany              Professional Building
                                MREAssist, Inc.               Maintenance
Farmer, Joann                   703-829-5119                  540-419-2146
NMLS#453400                     14415 Round Lick Ln           56 Well Lane
Movement Mortgage               Centreville, VA 20120         Fredericksburg, VA 22405
NMLS#39179                      bethany@mreassist.com         tregan@pbmclean.com
540-220-4925
1125 Emancipation Hwy                                         Spitzer, Brian
Ste 380                                        N              Professional Building
Fredericksburg, VA 22401                                      Maintenance
joann.farmer@movement.com       Robyn, Gavin                  540-287-3119
                                Next Door Photos              56 Well Lane
Frye, Heather                   540-735-6744                  Fredericksburg, VA 22405
NMLS#213439                     502 Rugby Rd                  bspitzer@pbmclean.com
Movement Mortgage               Fredericksburg, VA 22406
NMLS#39179                      gavin.robyn@nextdoorphotos.
540-645-6267                    com                                            R
1125 Emancipation Hwy                                         Wood, John
Ste 380                         Alkurd, Azmi                  Ratified Title Group, Inc.
Fredericksburg, VA 22401        NextDay Inspect               703-789-7680
heather.frye@                   703-450-6398                  10550 Linden Lake Plaza
movementmortgage.com            46179 Westlake Dr. Ste 200B   Ste 101
                                Sterling, VA 20165            Manassas, VA 20109
                                info@nextdayinspect.com       john@ratifiedtitle.com

     36 | Affiliate Directory
Schoultheis, Linda              Bowen, Cindi                     Murray, Linda
Road Runner Appraisal           Spring Arbor of Fredericksburg   Summit Mortgage Corp
540-220-5613                    540-548-2133                     NMLS#1041
Fredericksburg, VA              5308 River Rd                    540-538-0557
RRAPPRAISALVA@gmail.com         Fredericksburg, VA 22407         2050 Gordon W. Shelton Blvd.
                                fbmktg@hhhunt.com                Fredericksburg. VA 22401
                                                                 lcrmurray@gmail.com
              S                 DeSena, Lynn
Carpenter, Scott                STA Title & Escrow               Shaw, Sherrie
Shaheen Law Firm                540-368-5501                     Summit Mortgage Corp
540-419-2668                    1300 Princess Anne Street        NMLS#1041
12225 Amos Lane                 Suite 101                        540-226-0769
Ste 202                         Fredericksburg, VA 22401         2050 Gordon W. Shelton Blvd.
Fredericksburg, VA 22407        ldesena@statitle.com             Fredericksburg, VA 22401
scarpenter@shaheenlaw.com                                        sshaw@summit-mortgage.com
                                Adams, Karen
Fiedler, Chelsea                NMLS#185155                                       T
Shaheen Law Firm                Summit Mortgage Corp
540-642-0114                    NMLS#1041                        Rodier, Laura
12225 Amos Lane                 540-834-6829                     The Title Professionals, LLC
Ste 202                         2050 Gordon W. Shelton Blvd.     540-310-4804
Fredericksburg, VA 22407        Fredericksburg, VA 22401         1015 Prince Edward St
cfiedler@shaheenlaw.com         kadams@summit-mortgage.com       Fredericksburg, VA 22401
                                                                 laura@thetitleprofessionals.com
Spellman, Michael               Kim, Selina
Sigma Pest Control              NMLS#1909367                     Steele, Mark
540-903-7711                    Summit Mortgage Corp             The Title Professionals, LLC
4936 Trade Center Dr            NMLS#1041                        540-310-4804
Fredericksburg, VA 22408        540-373-9800                     1015 Prince Edward St
mspellman@sigmapest.com         2050 Gordon W. Shelton Blvd.     Fredericksburg, VA 22401
                                Fredericksburg, VA 22401         msteele@thetitleprofessionals.
Harris, Anthony                 skim@summit-mortgage.com         com
Space Savers Junk Removal
703-350-5123                    Lee, Michael                     Alphonso, Amariah
11312 Lone Pine Ct              NMLS#527947                      Topside Federal Credit Union
Fredericksburg, VA 22408        Summit Mortgage Corp             540-621-0482
th500@cox.net                   NMLS#1041                        9622 Patriot Hwy
                                540-373-9800                     Fredericksburg, VA 22407
Solyom, Christopher             2050 Gordon W. Shelton Blvd.     Amariah.Alphonso@topsidefcu.
Space Savers Junk Removal       Fredericksburg, VA 22401         org
757-846-1131                    mlee@summit-mortgage.com
11312 Lone Pine Ct
Fredericksburg, VA 22408
spacesaversjunkremoval@gmail.                                              Affiliate Directory | 37
com
Lyles, Stephanie                 Hayden, John                  McLaurin, John
Topside Federal Credit Union     NMLS#402836                   Universal Title
540-413-3916                     Union Home Mortgage           877-645-8319
9622 Patriot Hwy                 NMLS#2229                     915 Maple Grove Dr.
Fredericksburg, VA 22407         540-429-2474                  Suite 205
Stephanie.Lyles@topsidefcu.org   3006 Lafayette Blvd           Fredericksburg, VA 22407
                                 Fredericksburg, VA 22408      jmclaurin@universaltitle.com
Ruck, Eric                       jhayden@uhm.com
True IT Services, LLC                                                         V
540-373-8440                     Hine, Scott
PO BOX 693 Fredericksburg, VA    NMLS#475661                   Thomas, Alexis
22403                            Union Home Mortgage           NMLS#415685
eruck@trueits.com                NMLS#2229                     Virginia Credit Union
                                 540-429-2474                  NMLS#407552
Woodward, Patrick                3006 Lafayette Blvd           540-220-8131
Truss Home Inspection Services   Fredericksburg, VA 22408      7500 Boulders View Dr
LLC                              shine@uhm.com                 Richmond, VA 23225
540-623-8211                                                   alexis.thomas@vacu.org
7124 Salem Fields Blvd           Taylor, Jordan
PMB# 153                         NMLS#1862550                  Williams, Rob
Fredericksburg, VA 22407         Union Home Mortgage           Virginia Credit Union
trusshomeinspect@gmail.com       NMLS#2229                     804-327-7302
                                 540-288-7915                  7500 Boulders View Dr
                   U             3006 Lafayette Blvd           Richmond, VA 23225
                                 Fredericksburg, VA 22408      Robert.Williams@Vacu.org
Ball, Rebekah                    jordantaylor@uhm.com
NMLS#2170423                                                   Moncure, Joni
Union Home Mortgage              Godfrey, Pamela               Virginia Housing Development
NMLS#2229                        Universal Title               Authority
703-470-2024                     703-468-1201                  804-840-7049
1320 Central Blvd. #200          25 Clement Dr                 601 S. Belvidere St.
Fredericksburg, VA 22401         Ste 101                       Richmond, VA 23220
rebekah.h.ball@gmail.com         Stafford, VA 22556            joni.moncure@virginiahousing.
                                 pgodfrey@universaltitle.com   com
Connolly, Lori
1962149                          Haley, Jonathan
Union Home Mortgage              Universal Title
NMLS#2229                        540-479-1287
804-572-7449                     915 Maple Grove Dr.
3006 Lafayette Blvd              Suite 205
Fredericksburg, VA 22408         Fredericksburg, VA 22407
lconnolly@uhm.com                jhaley@universaltitle.com

      38 | Affiliate Directory
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