
| Happy December, Brad The holidays are upon us. It is a time of tending to hearth and home. Whether it's winterizing windows or stringing lights on a tree, the season reminds us of the joy of owning a home.
Whatever your holiday needs, Lowe's is here to help. With expert advice, holiday gift cards, and home decor supplies from Christmas trees to seasonal rugs and everything in between, Lowe's has you covered. - Brad Bergamini, REALTOR® | contact me |

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| Q: Our house was built around 1940; the fireplace is original; and we installed forced-air gas heating about 10 years ago. We haven't had the fireplace or furnace inspected. What do you guys recommend to get the fireplace and the furnace ready for winter? | Q: I've had loose-fill fiberglass (insulation) in my attic since 1975. I have some new insulation with brown paper covering on one side so I need to know if that is called batts? | 
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TRENDS UPDATE | 
| We Americans routinely beat ourselves up in the pursuit of what we consider to be perfection. |
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BUYING & SELLINGHomeowners facing foreclosure seem to be desperate to buy again. Read more » MORTGAGESMortgage rates were little changed this week, with rates on 30-year fixed-rate mortgages at or near 4 percent for the third week in a row, Freddie Mac said in releasing the results of its weekly Primary Mortgage Market Survey. Read more » REAL ESTATE & PERSONAL FINANCEDEAR BENNY: I was at the closing table for my condo purchase only to discover that there was a penalty for early payoff. Read more » |

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*This special offering is brought to you by your REALTOR® through membership in the NATIONAL ASSOCIATION OF REALTORS® (NAR) and through Lowe's partnership in NAR's REALTOR Benefits® Program. Only real estate professionals who are members of NAR may call themselves REALTORS®. All REALTORS® must subscribe to NAR's strict Code of Ethics, which is based on honesty, professionalism, and the protection of the public. Lowe's Customer Care (CON8) 1605 Curtis Bridge Rd. Wilkesboro, NC 28697. View our Privacy Policy. © 2011 by Lowe's®. All rights reserved. Lowe's and the gable design are registered trades marks of LF, LLC. 
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