reverse mortgages

December 23, 2009

I found a great article on reverse mortgages:

Washington Post
Reverse Mortgages Come to the Rescue
By Mary Beth Franklin
Kiplinger’s Personal Finance
Sunday, August 9, 2009

Reverse mortgages have been around for nearly 20 years, but it wasn’t until the current financial crisis that they caught on. Seniors are turning to these loans to tap the equity in their homes and generate tax-free income to help them ride out hard times.

You can take it with you. A reverse mortgage can be a good option for people who want to relocate or move to a smaller home but don’t want to sink all of their cash into a new house or might not qualify for a traditional mortgage.

New rules that took effect in January allow seniors to use a reverse mortgage to buy a new home. Say you own a house in Massachusetts worth $500,000 and you want to buy a $400,000 house in Florida. If you were to sell your house and pay cash for your new home, you’d have just $100,000 left to add to your savings. But if you took a $100,000 reverse mortgage on the Florida house, you’d have twice the amount left — $200,000 — to add to your savings.

How it works. You must be at least age 62 to take out a reverse mortgage. Plus, your house (current or future) must be your primary residence, and your mortgage must be either paid off or have a small balance. Unlike a traditional loan, there are no income or credit-score requirements, and you may use the money as you wish. The older you are, the higher the appraised value of your home (up to the maximum federal loan limit) and the lower the interest rate, the more you can borrow.

As part of the economic-stimulus package, Congress raised the reverse-mortgage loan limit to $625,500 through the end of 2009. After that, the lending limit reverts to $417,000, unless Congress intervenes.

You can take your payment as a lump sum, a monthly cash payout, a line of credit held in reserve or a combination of all three. No repayment is due until the last homeowner moves out or dies, at which point the home can be sold to pay off the debt. The loan repayment can never exceed the home’s market value (even if it declines), absolving your heirs of any liability.

High fees. You’ll pay the usual closing costs, plus loan-servicing fees, an origination fee of up to $6,000 and interest over the life of the loan. Also, you’ll pay an initial insurance premium equal to 2 percent of the home’s value plus 0.5 percent per month of the mortgage balance.


LOCAL REALTOR® ACHIEVES NATIONAL RECOGNITION – Kirill Gorbounov an SRES

December 23, 2009

FOR IMMEDIATE RELEASE

CONTACT:        «Kirill Gorbounov»

«RE/MAX Allegiance»

«571 276 0986»

LOCAL REALTOR® ACHIEVES NATIONAL RECOGNITION

«McLean», «Virginia», — «Kirill Gorbounov» with «RE/MAX Allegiance» has been awarded the Seniors Real Estate Specialist (SRES®) designation by the Seniors Real Estate Specialist Council of the NATIONAL ASSOCIATION OF REALTORS® (NAR).

«Kirill Gorbounov» joins more than 16,000 real estate professionals in North America who have earned the SRES® designation.  All were required to successfully complete a comprehensive course in understanding the needs, considerations, and goals of real estate buyers and sellers aged 55 and older.

«PR_Designations»

SRES Council, founded in 2007, is the world’s largest association of real estate professionals focusing specifically on representing senior clients in real estate transactions. There are more than 16,000 active members of the organization world-wide.  The NATIONAL ASSOCIATION OF REALTORS®, “The Voice for Real Estate,” is America’s largest trade association, representing more than 1.3 million members involved in all aspects of the residential and commercial real estate industries.

You may contact the Seniors Real Estate Specialist Council by telephone, (800)500-4564, by e-mail, [SRES@realtors.org], or by visiting the SRES Web site, [www.sres.org].

——————————
~Kirill Gorbounov, MBA, REALTOR®, CDPE, SRES, GREEN, e-PRO.
cell: (571) 276-0986; mailto: KirillRealtor@Yahoo.com
~Elena Gorbounova, LL.M., REALTOR®, Associate BROKER, GRI, ABR, ASP.
cell: (703) 625-7888; mailto: ElenaDeibes@aol.com
http://www.YourSkylineConnection.com
http://www.Arlington-VaRealEstate.com
http://www.tiny.cc/YSC – PowerPoint
RE/MAX Allegiance; 6226 Old Dominion Dr., Mclean, VA 22101
Office: 703-237-9500; E-Fax: 1866-821-0782
——————————-
MBA – Masters in Business Administration
CDPE – Certified Distressed Property Expert (short sales)
SRES – Senior Real Estate Specialist
GREEN – Green Real Estate Principles
e-PRO – Certified Internet/Tech.
ABR – Accredited Buyer Representative
ASP – Accredited Staging Professional ™
GRI – Graduate Realtor Institute
LLM – Legal Law in Masters



Client vs. Customer

December 15, 2009

If you are a client then I will:

pay full attention to your needs

tell all that I learn about the seller

expand the range of choices to get an optimum solution

find the best property

help buyer’s search

can give advice with facts / educate / compare competing properties

negotiate on your behalf and strengthen your position

price counseling

help with financing alternatives

try to solve problems to my client’s advantage and happiness.

In contrast to the customer I owe honesty and reveal only material facts.

——————————
~Kirill Gorbounov, MBA, REALTOR®, CDPE, SRES, GREEN, e-PRO.
cell: (571) 276-0986; mailto: KirillRealtor@Yahoo.com
~Elena Gorbounova, LL.M., REALTOR®, Associate BROKER, GRI, ABR, ASP.
cell: (703) 625-7888; mailto: ElenaDeibes@aol.com
http://www.YourSkylineConnection.com/ -Content is King … Learning Center
http://tiny.cc/YSC – PowerPoint on Northern Virginia Market / Economy
RE/MAX Allegiance; 6226 Old Dominion Dr., Mclean, VA 22101
Office: 703-237-9500; E-Fax: 1866-821-0782
——————————-
MBA – Masters in Business Administration
CDPE – Certified Distressed Property Expert (short sales)
SRES – Senior Real Estate Specialist
GREEN – Green Real Estate Principles
e-PRO – Certified Internet/Tech.
ABR – Accredited Buyer Representative
ASP – Accredited Staging Professional ™
GRI – Graduate Realtor Institute
LLM – Legal Law in Masters

Selling & buying in Northern Virginia: Fairfax, Arlington, Alexandria, Falls Church, Annandale, Springfield, Burke, McLean, Skyline Square, Skyline House, Skyline Plaza, North Hampton, Eclipse On Center Park.


The Cycle of the market

December 15, 2009

Imagine a wiggly line where the movement is from optimism to euphoria to desperation to hope and optimism again.

This cycle we go through at all times.

Now, think … where is the greatest opportunity to do it big???

The best opportunity is during the bad times .. you can get the best deals

——————————
~Kirill Gorbounov, MBA, REALTOR®, CDPE, SRES, GREEN, e-PRO.
cell: (571) 276-0986; mailto: KirillRealtor@Yahoo.com
~Elena Gorbounova, LL.M., REALTOR®, Associate BROKER, GRI, ABR, ASP.
cell: (703) 625-7888; mailto: ElenaDeibes@aol.com
http://www.YourSkylineConnection.com/ -Content is King … Learning Center
http://tiny.cc/YSC – PowerPoint on Northern Virginia Market / Economy
RE/MAX Allegiance; 6226 Old Dominion Dr., Mclean, VA 22101
Office: 703-237-9500; E-Fax: 1866-821-0782
——————————-
MBA – Masters in Business Administration
CDPE – Certified Distressed Property Expert (short sales)
SRES – Senior Real Estate Specialist
GREEN – Green Real Estate Principles
e-PRO – Certified Internet/Tech.
ABR – Accredited Buyer Representative
ASP – Accredited Staging Professional ™
GRI – Graduate Realtor Institute
LLM – Legal Law in Masters

Selling & buying in Northern Virginia: Fairfax, Arlington, Alexandria, Falls Church, Annandale, Springfield, Burke, McLean, Skyline Square, Skyline House, Skyline Plaza.


4 tips on how to navigate today’s Real Estate Market

December 13, 2009

1) Right home is harder to find:  The inventory is down … 25% fewer new homes were built in VA and nationally inventory dropped 12% Q3 2008 vs Q3 2009.

2) Market knowledge … in a dynamic market you need all the latest information.

3) Transactions are more complex than before … short sales, foreclosures, tax credits … it’s complicated.

4) You buy and sell homes a couple of times in your life … while REALTORs help people do it every day. Save time, money, and hassle.

During tough times you need the professional who works hard for you.

——————————
~Kirill Gorbounov, MBA, REALTOR®, CDPE, SRES, GREEN, e-PRO.
cell: (571) 276-0986; mailto: KirillRealtor@Yahoo.com
~Elena Gorbounova, LL.M., REALTOR®, Associate BROKER, GRI, ABR, ASP.
cell: (703) 625-7888; mailto: ElenaDeibes@aol.com
http://www.YourSkylineConnection.com/ -Content is King … Learning Center
http://tiny.cc/YSC – PowerPoint on Northern Virginia Market / Economy
RE/MAX Allegiance; 6226 Old Dominion Dr., Mclean, VA 22101
Office: 703-237-9500; E-Fax: 1866-821-0782
——————————-
MBA – Masters in Business Administration
CDPE – Certified Distressed Property Expert (short sales)
SRES – Senior Real Estate Specialist
GREEN – Green Real Estate Principles
e-PRO – Certified Internet/Tech.
ABR – Accredited Buyer Representative
ASP – Accredited Staging Professional ™
GRI – Graduate Realtor Institute
LLM – Legal Law in Masters

Selling & buying in Northern Virginia: Fairfax, Arlington, Alexandria, Falls Church, Annandale, Springfield, Burke, McLean, Skyline Square, Skyline House, Skyline Plaza.


Northern Virginia vs. the US

December 12, 2009

5-yr appreciation on Housing (cutoff 9/30/08) VA 50% vs. US 29% and since 1980 VA 353% vs. US 269%.

——————————
~Kirill Gorbounov, MBA, REALTOR®, CDPE, SRES, GREEN, e-PRO.
cell: (571) 276-0986; mailto: KirillRealtor@Yahoo.com
~Elena Gorbounova, LL.M., REALTOR®, Associate BROKER, GRI, ABR, ASP.
cell: (703) 625-7888; mailto: ElenaDeibes@aol.com
http://www.YourSkylineConnection.com/ -Content is King … Learning Center
http://tiny.cc/YSC – PowerPoint on Northern Virginia Market / Economy
RE/MAX Allegiance; 6226 Old Dominion Dr., Mclean, VA 22101
Office: 703-237-9500; E-Fax: 1866-821-0782
——————————-
MBA – Masters in Business Administration
CDPE – Certified Distressed Property Expert (short sales)
SRES – Senior Real Estate Specialist
GREEN – Green Real Estate Principles
e-PRO – Certified Internet/Tech.
ABR – Accredited Buyer Representative
ASP – Accredited Staging Professional ™
GRI – Graduate Realtor Institute
LLM – Legal Law in Masters

Selling & buying in Northern Virginia: Fairfax, Arlington, Alexandria, Falls Church, Annandale, Springfield, Burke, McLean, Skyline Square, Skyline House, Skyline Plaza.


Right Selling Price

December 12, 2009

Request a CMA – The Right Selling Price Affects Your Bottom Line

When you’re selling your home, the price you set is a critical factor in the return you’ll receive. That’s why you need a professional evaluation from an experienced realtor. This person can provide you with an honest assessment of your home, based on several factors including:

  • Market conditions
  • Condition of your home
  • Repairs or improvements
  • Time frame

In real estate terms, market value is the price at which a particular house, in its current condition, will sell within 30 to 90 days.

If the price of your home is too high, several things could happen:

  • Limits buyers. Potential buyers may not view your home, because it would be out of their buying range.
  • Limits showings. Other salespeople may be less reluctant to view your home.
  • Used as leverage. Other realtors may use this home to sell against homes that are better priced.
  • Extended stay on the market. When a home is on the market too long, it may be perceived as defective. Buyers may wonder, “what’s wrong,” or “why hasn’t this sold?”
  • Lower price. An overpriced home, still on the market beyond the average selling time, could lead a lower selling price. To sell it, you will have to reduce the price, sometimes, several times. In the end, you’ll probably get less than if it had been properly priced at the start.
  • Wasted time and energy. A bank appraisal is most often required to finance a home.

Realtors have known it for years – Well-kept homes, properly priced in the beginning always get you the fast sale for the best price! And that’s why you need a professional to assist you in the selling of your home.

——————————
~Kirill Gorbounov, MBA, REALTOR®, CDPE, SRES, GREEN, e-PRO.
cell: (571) 276-0986; mailto: KirillRealtor@Yahoo.com
~Elena Gorbounova, LL.M., REALTOR®, Associate BROKER, GRI, ABR, ASP.
cell: (703) 625-7888; mailto: ElenaDeibes@aol.com
http://www.YourSkylineConnection.com/ -Content is King … Learning Center
http://tiny.cc/YSC – PowerPoint on Northern Virginia Market / Economy
RE/MAX Allegiance; 6226 Old Dominion Dr., Mclean, VA 22101
Office: 703-237-9500; E-Fax: 1866-821-0782
——————————-
MBA – Masters in Business Administration
CDPE – Certified Distressed Property Expert (short sales)
SRES – Senior Real Estate Specialist
GREEN – Green Real Estate Principles
e-PRO – Certified Internet/Tech.
ABR – Accredited Buyer Representative
ASP – Accredited Staging Professional ™
GRI – Graduate Realtor Institute
LLM – Legal Law in Masters

Selling & buying in Northern Virginia: Fairfax, Arlington, Alexandria, Falls Church, Annandale, Springfield, Burke, McLean, Skyline Square, Skyline House, Skyline Plaza.


Long Term Appreciation Rates in Washington DC Metropolitan Region: Northern Virginia, District of Columbia, Maryland

December 10, 2009

According to http://bengelblog.com/:
Five Year Appreciation on Housing was (cutoff was Sept 30, 2008):
Virginia (VA): 50%
Maryland (MD): 57%
DC: 64%
US: 29%
And Since 1980 Appreciate on Housing was (cutoff was Sept 30, 2008):
Virginia: 353%
Maryland: 403%
DC: 522%
US: 269%
Now, is the time to buy! Why? Because there are choices and you could get an impressive property for the lowest interest rate in the past 4.5 years. Please remember that average interest rate over the past 40 years in US has been 9%. Since everything returns to the mean – NOW IS THE TIME to lock in the rate. 

fyi: In the history of US there has never been a period of 10 years that a property did not cost more at the end of it – it is always a good idea to purchase a primary residence (home).

~Kirill Gorbounov, MBA, REALTOR®, CDPE, SRES, GREEN, e-PRO.
cell: (571) 276-0986; mailto: KirillRealtor@Yahoo.com
~Elena Gorbounova, LL.M., REALTOR®, Associate BROKER, GRI, ABR, ASP.
cell: (703) 625-7888; mailto: ElenaDeibes@aol.com
http://www.YourSkylineConnection.com – BLOG/TRENDS/STATS/Research on Metro DC Region (Knowledge is Power)
RE/MAX Allegiance; 6226 Old Dominion Dr., Mclean, VA 22101
Office: 703-237-9500; E-Fax: 1866-821-0782
——————————-
MBA – Masters in Business Administration
CDPE – Certified Distressed Property Expert (short sales)
SRES – Senior Real Estate Specialist
GREEN – Green Real Estate Principles
e-PRO – Certified Internet/Tech.
ABR – Accredited Buyer Representative
ASP – Accredited Staging Professional ™
GRI – Graduate Realtor Institute
LLM – Legal Law in Masters


Commuting in Northern Virginia.

December 10, 2009

As a newcomer in Northern Virginia one of the major concerns should be commuting times. NOVA and the DC metropolitan area is the 7th worst for commuting times according to Forbes Magazine while AOL Find a Job rates it 3rd.

However, there are options:

2 Train Systems

Washington DC Metro and the Virginia Railway Express. There are 3 lines that come into NOVA: Orange, Blue and Yellow. Orange line terminates at Vienna. Blue terminates at Franconia-Springfield, and the Yellow stops in Huntington.

VRE Blue (Manassas) is East-West and Red (Fredericksburg) is North-South.

Driving

Main corridors are: I-95, I-395, I-495 (Beltway), and I-66.

I-95 runs North-South Springfield Interchange. If you continue on into DC, you are actually now on I-395, which runs generally southwest to northeast straight into downtown DC. If you want to continue on I-95, you will join up with I-495, otherwise known as “The Beltway” in Springfield, and head East towards the Wilson Bridge. I-495 will continue around making a loop around DC, while I-95 will take a turn northeast on into Baltimore. If you want to head west, would take The Beltway in the opposite direction towards Tyson’s Corner from the Springfield Interchange which will take you around DC on the west. Going this direction will take you to Route 66 as well as the Dulles Toll Road, and then on into Maryland via the American Legion Bridge and eventually I-270.

Commuting by driving requires plenty of lead time (i.e. leave EARLY) and plenty of patience (STAY COOL). It might be difficult at first, but trust me, you WILL get used to it. If driving under these conditions just doesn’t appeal to you, there are ways to make it a bit more pleasant. One of them is carpooling and using the HOV Lanes.

HOV Lanes

HOV Lanes are special lanes for those who carpool. I-95 and I-66 both have HOV lanes for carpoolers. In order to use the HOV lanes, you must have the required number of people in the vehicle at all times. HOV enforcement times and occupancy requirements are as follows:

I-95 & I-395 HOV lanes

HOV-3: Separate median lanes from Washington, D.C. to Dumfries

  • Northbound 6 – 9am
    • Open to all traffic: 9-11am, Fridays 9-10am, 4pm Sat. – 6am Mon.
    • Closed: 11am – 1pm, Fridays 10am – Noon, Saturday 2 – 4pm
  • Southbound 3:30 – 6pm
    • Open to all Traffic: 1 – 3:30pm, 6-9pm, Fridays Noon-3:30pm , 6pm Fri. – 2pm Sat
    • Closed: 9 – 11pm, 2 – 4pm Sat.

I-66 Dulles Toll Road

“Slugging”

You cannot talk about driving and HOV without mentioning “slugging“. There are many things that make the Washington DC area unique. But one of the most unique is the phenomenon of “slugging”. Slugging is a transportation system that grew out of driver’s needs to use the HOV lanes legally, and other’s desires for a cheap, reliable way to get to work quickly and not have to drive. Slugging, in a nutshell, is basically where you carpool with strangers everyday. Its a symbiotic relationship between drivers and riders with its own set of etiquette rules, and meeting places that are pseudo-sanctioned by state transportation authorities– a sort of sophisticated, organized hitch-hiking.

Starting some time in the late 70s, strangers came together to share rides into downtown. Drivers enjoyed the legal use of HOV, and riders enjoyed the shortened commute. It is estimated more people use slugging than any other form of transportation around here.

To read more on slugging, take a look at www.slug-lines.com. My good friend’s spouse, David LeBlanc authored the book on slugging and maintains this website. There you can check out slug line locations, etiquette rules, news articles and even poems about slugging.

Bus

Many commuters travel by bus to the Pentagon and downtown DC. OmniRide is the Potomac and Rappahannock Transportation Commission’s commuter bus service. This service runs on weekdays and serves the I-95 corridor and Manassas and Gainesville areas along the I-66 corridor to destinations that include the Vienna, West Falls Church and Franconia/Springfield Metrorail Stations, the Pentagon, Crystal City, Rosslyn/Ballston, downtown Washington, D.C., Capitol Hill, and the Washington Navy Yard.

Other local bus transportation in Virginia includes Metro Bus (all over), the Fairfax Connector (Fairfax County) Arlington Transit (ART) (Arlington), CUE Bus (City of Fairfax), DASH (Alexandria), and George (Falls Church).

HOV-2: Far left lane, between Manassas Route 234 and I-495 (outside the Capital Beltway)

  • Eastbound 5:30 a.m. – 9:30 a.m.
  • Westbound 3:00 p.m. – 7:00 p.m.

HOV-2: Both lanes between I-495 and Washington, D.C. (inside the Capitol Beltway); eastbound non-HOV traffic must exit onto I-495

  • Eastbound 6:30 – 9am
  • Westbound 4 – 6:30pm

HOV-2: Far left lane

  • Eastbound 6:30 – 9:00 am
  • Westbound 4:00 – 6:30 pm

——————————
~Kirill Gorbounov, MBA, REALTOR®, CDPE, SRES, GREEN, e-PRO.
cell: (571) 276-0986; mailto: KirillRealtor@Yahoo.com
~Elena Gorbounova, LL.M., REALTOR®, Associate BROKER, GRI, ABR, ASP.
cell: (703) 625-7888; mailto: ElenaDeibes@aol.com
http://www.YourSkylineConnection.com/ -Content is King … Learning Center
http://tiny.cc/YSC – PowerPoint on Northern Virginia Market / Economy
RE/MAX Allegiance; 6226 Old Dominion Dr., Mclean, VA 22101
Office: 703-237-9500; E-Fax: 1866-821-0782
——————————-
MBA – Masters in Business Administration
CDPE – Certified Distressed Property Expert (short sales)
SRES – Senior Real Estate Specialist
GREEN – Green Real Estate Principles
e-PRO – Certified Internet/Tech.
ABR – Accredited Buyer Representative
ASP – Accredited Staging Professional ™
GRI – Graduate Realtor Institute
LLM – Legal Law in Masters

Selling & buying in Northern Virginia: Fairfax, Arlington, Alexandria, Falls Church, Annandale, Springfield, Burke, McLean, Skyline Square, Skyline House, Skyline Plaza.


Preparing Your Home For Sale

December 10, 2009
First impressions make a significant impact on a buyer’s decision-making process!

Once your home goes on the market, it becomes a product. Home Styling or Staging simply allows you to highlight the best of your home and de-emphasize its flaws. It’s not about decorating, but actually turning your home into a model, to appeal to the broadest range of prospective buyers. The goal is to make people feel like they could live there, and the best way to do this is to “neutralize” the surroundings.

Bathroom02.jpg Bedroom01.jpg

Try out these helpful styling tips taken from Setting the Stage – REALTOR® Magazine Online. They’ve compiled the best tips from stagers and real estate pros—things you can do for little or no expense—to put a home in prime showing shape.

  • Clear out closets and clutter—sellers can give away or pack up toys, linens, and small kitchen appliances to store offsite. Buyers are also forgiving of storage boxes neatly tucked away in a garage or basement.
  • Focus most on the most visible areas—the foyer, kitchen, living room, master bedroom, and family room.
  • De-personalize the home by removing photos, mementos, and dated items.
  • Use plants in colorful pots or inexpensive wicker baskets to fill in empty spaces.
  • Look to home catalogs for little details on beautifying the home. For instance, group books, pictures, and objets d’art appealingly on bookcases.
  • Try angling one or two pieces of furniture slightly and move furniture 4 inches to 6 inches from the wall to create more interesting room spaces.
  • Put away large collections— porcelains, plates, and so on.
  • Remove valuables, prescription medicine, collectibles, and breakables.
  • Trim trees, prune shrubs, and make sure the lawn is mowed and watered regularly.
  • In summer, turn on the sprinklers for five minutes, 30 minutes before the open house. It makes the lawn and driveway sparkle.
  • Refrain from cooking anything that leaves a distinctive odor, such as fish, garlic, or cabbage.
  • Hire a professional service to clean the home, including the carpets and the windows.
  • Set the dining room table with attractive linens, dishes, and stemware.
  • Arrange fresh or silk flowers throughout the home.
  • Light a fire in the fireplace in fall and winter.
  • A mirror in a pretty frame can make a small room feel more open.
  • Use as much natural light as possible. Add extra lamps in dark rooms or corners.
  • Make functional repairs—fix dripping faucets, sticking doors, and broken fences.
  • Bring in another pair of eyes—even if it’s not a professional stylist. The person may see problems you and have missed.

——————————
~Kirill Gorbounov, MBA, REALTOR®, CDPE, SRES, GREEN, e-PRO.
cell: (571) 276-0986; mailto: KirillRealtor@Yahoo.com
~Elena Gorbounova, LL.M., REALTOR®, Associate BROKER, GRI, ABR, ASP.
cell: (703) 625-7888; mailto: ElenaDeibes@aol.com
http://www.YourSkylineConnection.com/ -Content is King … Learning Center
http://tiny.cc/YSC – PowerPoint on Northern Virginia Market / Economy
RE/MAX Allegiance; 6226 Old Dominion Dr., Mclean, VA 22101
Office: 703-237-9500; E-Fax: 1866-821-0782
——————————-
MBA – Masters in Business Administration
CDPE – Certified Distressed Property Expert (short sales)
SRES – Senior Real Estate Specialist
GREEN – Green Real Estate Principles
e-PRO – Certified Internet/Tech.
ABR – Accredited Buyer Representative
ASP – Accredited Staging Professional ™
GRI – Graduate Realtor Institute
LLM – Legal Law in Masters

Selling & buying in Northern Virginia: Fairfax, Arlington, Alexandria, Falls Church, Annandale, Springfield, Burke, McLean, Skyline Square, Skyline House, Skyline Plaza.