Yes Virginia…there IS a Santa Clause!

•November 24, 2008 • Leave a Comment

…and he’s come early this year!!

With CMG’s Home Ownership Accelerator (HOA) being temporarily taken off the market, many financial planners & mortgage planners were/are at a complete loss.  Recently I’ve had conversations with many of our referral partners and have heard comments like the following:

“Finally, we found an investment vehicle worth recommending…now it’s gone!”

“It honestly feels like someone just pulled the rug out from under my clients…I can’t believe the Accelerator is off the market!”


Before I bring Santa into the picture, let’s recap what the Accelerator is & why it’s so powerful:

In a nutshell…  When attacking debt, or building equity, or going to war for that matter…doesn’t it make sense to pull all of your available resources (that may be less productive in their current environment) together to focus on the common goal?  That’s exactly what the Home Ownership Accelerator has been able to do extraordinarily well.  It allows a client to pull their checking account, savings accounts, and mortgage account into one large vehicle that’s proven to be beyond effective.  The majority of all of my clients who are now in the Accelerator are on track to pay their home of in roughly 5 yrs versus their old 30 year mortgage!!  That’s not common though and it just speaks to our clients financial backgrounds.  The nationwide average is having clients payoff in less than 13 yrs…still phenomenal!

– Your income lowers your monthly balance.
– The lower balance saves you interest.
– The saved interest becomes extra principal payment.
– This further lowers your balance, saving more interest.
– This frees up even more money to reduce principal.
– This cycle repeats itself each month, compounding your interest savings
  and accelerating the reduction of your debt.


Sounds great right? Unless you remember reading earlier that HOA is now off the market!  THIS IS WHERE SANTA COMES IN!!! 


We received word a few weeks ago that HOA is temporarily off the market…so what happens to my clients and all of the other clients who were in process?  Santa has come early and he’s brought gifts!!  The biggest gift (everyone wants the biggest present 1st) is called “Ensemble“.  Ensemble acts, feels, and operates just like HOA!!  The best part…the investment is no where near that of the HOA!

In recent weeks, HOA was requiring clients to invest upwards of 5% of the loan amount…that’s correct..5%! Let’s do the math, on a loan amount of $250,000…that’s $12,500 in discount point & origination our clients would need to pay!  Look, I love HOA, but how long will it take an average client to recoup that $12,500 in equity or principle reduction?!?!?

Ensemble, in many cases, requires $0 towards discount/origination & even if it requires 1% – it would STILL save the client $10,000 in closing costs that can now go DIRECTLY towards principle!!

So…why bring Santa into the picture?  Because Ensemble is truly a gift in today’s economy or, at least, how that economy is being perceived.  With this gift, we now have the opportunity to help out clients nationwide be able to…





There’s more to come, but if you would like info faster –  click here – I would love to hear from you!


Josh Perrington |


Vinton/Roanoke County Veterans Monument – coming soon!

•November 24, 2008 • Leave a Comment

vinton-war-memorialArea veterans, Vinton town officials and citizens – dedicated to recognizing veterans past & present – wish to honor those who have made and continue to make personal sacrifices for our freedom.  Thus was born the idea of an outdoor, freestanding Veterans monument, constructed to pay homage to all veterans from Vinton and Roanoke County. Because of their bravery, we are “the land of the free and home of the brave.”

To meet the needs of this construction project, the Vinton Vision Committee is reaching out to the community, businesses, and individuals to help provide financial support for the building of the Veterans Monument.

Ways to Give –


dsc01049The Vinton/Roanoke County Veterans Monument Committee would like to extend to the public an opportunity to be part of an exciting historical endeavor.  This opportunity is to honor veterans that gave the ultimate sacrifice of their own lives and also to honor “those who serve and those who have served” our country from World War II to the present.

The chosen design proposal is called “High Ground.” A star-shaped walkway will surround and lead to the main part of the monument structure. This walk are will have a brick cobblestone effect to help highlight the elegence of the memorial itself.

The brick style pavers are available for individual purchase in honor of a deceased veteran, someone who serves or has served, or a person one would like to recognize for any reason. 

Thank you for considering a donation to the Vinton/Roanoke County Veterans Monument. Please feel free to contact Candye Ann Peters, Assistant Campaign Director, at 540.525.8449 or Mary Beth Layman, Town of Vinton, at 540.983.0613

“We’re extremely proud to help raise the funds needed to complete this project for the Vinton & Roanoke County residents. Portions of our proceeds will continue to be contributed until the monument is complete!”  – Josh Perrington

1st Metropolitan Mortgage, Roanoke, VA 24018 |

“Specializing in Roanoke area FHA Refinances along with our exclusive Ensemble equity program.”

Local Veterans Gather in Roanoke, VA – thanks to 1st Metropolitan Mortgage

•November 24, 2008 • Leave a Comment
November 11, 2008
Tales were brewing Tuesday as veterans gathered in Roanoke

Video Gallery

Tales were brewing Tuesday as veterans gathered in Roanoke (11/11)

On Tuesday, veterans didn't have to pay for their cups of coffee.Former Marine Josh Perrington wanted to do something for Veterans Day.  So he invited fellow veterans and anyone who wanted to come to the Daily Grind in Roanoke to share stories. 

As Perrington re-hashed some of his favorite military memories, the one part of it all he truly misses is the brotherhood.  That was why he invited fellow veterans to the coffee shop Tuesday morning to remember and reflect.

The Daily Grind’s owners wanted to do their part.  On Tuesday, veterans didn’t have to pay for their cups of coffee.


1st Metropolitan Mortgage of Roanoke, VA

Specializing in Ensemble (Equity Acceleration) & FHA 203k Renovation | 540.904.0842 |