FREE HOMEBUYERS WORKSHOP

Thinking of buying a home but not sure how to start ?
Come to our homebuyer’s information meeting &
get tips on how to improve your credit score,
budgets, home inspections, & the $8K tax credit.
We’re even providing a BUFFET DINNER!
Sponsored By:
Sterling Realty
1st Citizens Bank
Givens Home Inspection
First Liberty Title & Settlement

Coupons for discounts on Settlement costs,
Home Inspections, & MORE!

August 13, 6pm
Bellacino’s Restaurant, Daleville

Daleville Exit 150 to 220 north, 1 mile on right.

LIMITED SEATING AVAILABLE.

To reserve your seat, please call 540-293-1347 or e-mail phyllis@sterlingrealtysvcs.com by August 11.

4th of July Events in Southwest VA

APPOMATTOX
4th of July Fireworks Celebration
Appomattox Co. High School - 198 Evergreen Ave.
9pm-10pm
www.TourAppomattox.com

BEDFORD
Celebrate Independence Day
National D-Day Memorial - Overloard Circle
10am-5pm
Admission fee
www.dday.org

BLACKSBURG
Independence Day Celebration
Historic Smithfield Plantation - 1000 Smithfield Plantation Rd.
10am-2pm
www.smithfieldplantation.org

BROOKNEAL
Fireworks at Patrick Henry's Red Hill
Red Hill - 1250 Red Hill Road - Brookneal
3pm-10pm
Admission: $10 per car up to 8 people
www.redhill.org

BUCHANAN
Buchanan Fourth of July Parade, Carnival, and Fireworks
Downtown Buchanan - Main St.
6pm-8pm parade; 8pm-midnight carnival and fireworks
www.townofbuchanan.com

CHRISTIANSBURG
Christiansburg 11th Annual 4th of July Celebration
Christiansburg High School Football Field
100 Independence Blvd.
5pm festivities; 9:45pm fireworks
www.christiansburg.org/index.asp?nid=177

DANVILLE
July 4th at the Crossing
The Crossing - Craighead St. Danville
5pm-10pm
visitdanville.com

FLOYD
4th of July Celebration
Floyd Co. High School Baseball Field
4pm-9pm (Fireworks at 9pm)
$1.00 Admission - Kids 6 and under FREE

FINCASTLE
Community Picnic & fireworks
Breckinridge Elementary School
Come early-fireworks start at 9pm

FOREST
Independence Day Celebration at Thomas Jefferson's Poplar Forest
Poplar Forest 1548 Bateman Bridge Rd.
10am-4pm
www.poplarforest.org

HILLSVILLE
Historic Hillsville July 4th
Downtown Hillsville and VFW Post 1115 - 410 North Main Street
4pm-10pm
www.townofhillsville.com

HUDDLESTON
Smith Mountain Lake Fireworks & Fire Company Fundraiser
Parkway Marina
Gates Open at 5 p.m. Fireworks at dark
www.SMLFireworks.org

HOT SPRINGS
The Homestead 4th of July Weekend
The Homestead Resort - 1766 Homestead Dr. - Hot Springs
July 3-July 5
http://www.thehomestead.com/upcoming_holidays/

INDEPENDENCE
Independence Day Festival in Independence
Downtown Independence
July 3 & 4 (times vary)
www.graysoncountyva.com

LEXINGTON
Hot Air Balloon Rally
Virginia Military Institute - Letcher Ave. to VMI Parade Grounds - Lexington
July 3-July 5 (Balloon launchings 6am and 6pm weather permitting)
http://www.sunriserotarylexva.org/balloon.htm

LEXINGTON
4th of July Children's Bike Parade
Rockbridge Regional Library
9:30
www.lexrockchamber .com

LOVINGSTON
Nelson County 4th of July Parade
Downtown Lovingston - Front St.
11am-Noon
www.nelsoncounty.com

MARTINSVILLE
Martinsville Speedway Celebration 2009
NOTE: This event is on July 3rd
340 Speedway Rd. - Ridgeway
http://www.MartinsvilleSpeedway.com

PEAKS OF OTTER
Picnic area open all day
Hike to Sharp Top Mtn. to see fireworks
Band 3pm-5pm
(540)586-4496

RADFORD
4th of July Celebration with Jimmy Fortune & More
Bisset Park - Main Street - Radford
Noon-10pm
www.radford.va.us

ROANOKE
Music for Americans
River's Edge Sports Complex - Wiley Drive - Roanoke
5pm - Gates open/8pm
The Big Lick Brass Band & Abbey Road Live/9:30pm Fireworks
Park at Virginia Western or Downtown Parking areas and take shuttle
Map of Event

SALEM
Ringing of the Bells
Salem Civic Center 10:30am
Program will be outside the civic center and will conclude in Parlor A

Freedom Blast '09
Roanoke County's Green Hill Park - Salem
4:30 pm to 10 pm
Call (540) 375-0099

SCOTTSBURG
Scottsburg 4th of July Parade and Celebration
10am-10pm
www.oldhalifax.com/phototour/scottprd.htm

SHAWSVILLE
Old High School Football Field
5pm-10pm

STUART
4th In the Park Celebration
DeHart Park - Stuart8am-10pm
www.visitpatrickcounty.org

VINTON
Vinton 4th of July Celebration
Vinton War Memorial Grounds
6pm-10pm
www.vintonva.gov

About Title Insurance

A Title Insurance Policy insures that as the new owner, your title for the property is free and clear of any possible encumbrances, and that you have clear title from the seller. A title insurance policy insures that you will stand protected from loss or damage as a result of any title defects. Some possible encumbrances include protection from forged documents, mistakes in public records, fraud and incorrect property descriptions. First Liberty Title & Settlement Agency will provide a thorough search of the public records to reveal possible liens, claims or encumbrances against the property.

There are two primary types of title insurance policies.
The Owner's Policy:
The Owner's Policy is issued to the new Owner, insuring that the Title to the property they are purchasing, is delivered to them without any liens or encumbrances.
The Lender's Policy
The Lender's Policy is issued when there is a Mortgage to be insured on the Property. It insures that the lien of the mortgage on the property for which they are lending funds is in a first lien position.

Fees

Settlement Fee for the Buyer $350

Cash Purchase $300

Refinance $300

Second Mortgage $150

Equity Line $250