It’s hard to believe the holidays are here!  Despite the turbulent year of the economy, there is plenty to be grateful for.  My health, family and friends are a few on the top of my list.  I am also grateful for your support, business and referrals throughout the year!  Thank you!

In the real estate update section of my newsletter, you will see that despite the bleakness in the news, a lot of money does exist for mortgages & the FHA loans (government based) provide more flexibility with only 3% down.  Included is an interview of first-time homebuyers, Glen & Georgina Nash,  taken by a 3rd party, that will give an example of how today’s market, with a unique Government based loan, made it possible for them to realize their dream of home ownership.

In addition, you will find an invitation to visit the doggie boutique store - Vineyard Dog - on Main Street in Napa.  Natalie Bradshaw, the new owner, is offering you a 20% discount.  Lots of fun merchandise and treats for our furry little friends.

Last, is an update on HIKE NV.  What a fun year of hikes and socializing with new and old friends! Hope you can join us on a hike in 2009.

I wish you and your families a safe and Happy Holiday and only the very best in 2009!

Sincerely,

Ingrid Owen