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      Asheville Motivated Sellers

      Asheville North Carolina is a beautiful area and has many great buys in the way of homes, land, condos and real estate. In the current real estate market you may find motivated sellers in the Asheville NC area that are willing to sell properties at below market value. Contact Green Mountain Realty today at 828.215.9064 for land, homes being sold by motivated sellers and real estate here in the Asheville and surrounding mountain areas of Western North Carolina.

      28 Forsythe, Asheville, NC 28801

      Price$1,290,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3269502

      • Residential Single Family
      • Bathroom 6
      • Square Feet 6945
      • Bedrooms 7
      • Acreage 0.32

      Sellers Motivated! Multi-generational home has 4 separate living quarters, The great room has given life to everything from yoga classes and intimate weddings to house concerts, boasting a soaring ceiling for amazing acoustics! This property was completely renovated from a 1910 church, making it one of Asheville's most unique home/play/work spaces, and named Home of the Week by Asheville Citizens Times (Aug 2016). In the 5 Points Community, just half-mile to downtown and everything Asheville!

      Listed by Jennifer Lanning of Exit Realty Vistas

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      Price Down Payment Interest Rate Years
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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      1235 5th, Hendersonville, NC 28739

      Price$899,000The price has recently decreased

      Est. Mortgage: $/month

      Pending

      MLS Number 3225319

      • Residential Single Family
      • Bathroom 5
      • Square Feet 4954
      • Bedrooms 5
      • Acreage 2.05

      OWNERS VERY MOTIVATED - ALL OFFERS CONSIDERED!!! Elegant-beautifully restored Historic hm in Hendersonville. Fantastic location,sidewalk to dwntwn, close to shopping/restaurants. Updated, keeping many orig details, 2 Acres & carriage hm w/ 2 apts. Stained Glass Wd Dr ent, Gr staircase,orig wood flring, Hi ceilings, extensive molding,orig solid wd paneled doors. Mstr BR on Mn currently fam rm. Gourmet kitchen w/fplc 6 Total Fplcs! Outdoor fplc, terrace and patio! Possible B&B or spec event loc.

      Listed by Cindy Jones of Century 21 Mountain Lifestyles/S. Hend

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      Price Down Payment Interest Rate Years
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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      5 Sourwood, Fletcher, NC 28732

      Price$750,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3294120

      • Residential Single Family
      • Bathroom 5
      • Square Feet 4517
      • Bedrooms 6
      • Acreage 2.35

      Motivated Seller! Beautiful Tudor-style home nestled in the forest of Ravenwood Estates offers a superb floor plan with main level LR, DR, Den with built-ins, eat-in Kitchen has computer niche, powder room, laundry/mud room. Upper level has MBR suite, walk-in cedar closet & jacuzzi tub, plus 3BRs w/walk-in & full BA. LL apartment/in-law suite with eat-in kitchen, living area w/woodstove, 2BR/2BA and patio. Fresh paint & new carpeting throughout. Marvelous setting with fencing & walking trail.

      Listed by Carol Ball of Keller Williams Professionals

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      332 Summerset, Hendersonville, NC 28792

      Price$684,999The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3288335

      • Residential Single Family
      • Bathroom 3
      • Square Feet 2924
      • Bedrooms 3
      • Acreage 0.63

      Stunning long range views! Arts and craft covered deck w/outdoor fireplace, gourmet kitchen w/induction cooktop, granite island,top of the line appliances. 3 car garage. Active community w/new fabulous club house to be finished in 2018. Quick closing to enjoy fall foliage...Motivated seller!

      Listed by Diane Ward of Beverly Hanks & Assoc. Hendersonville

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      1761 BONE CAMP, Marshall, NC 28753

      Price$675,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number NCM564197

      • Residential Single Family
      • Bathroom 4
      • Square Feet 5019
      • Bedrooms 4
      • Acreage 14.37

      Highly Motivated Seller! Nature & elegance marry Appalachian Mountain serenity. Beautiful views & abundant water paired w/ a 5000sq ft home, gazebo w/full kitchen,spring-fed stocked pond,horse stable, 1750 sf finished bldg perfect for art studio/teaching center & greenhouse make this tranquil estate quite perfect! Uniquely one of a kind, unrestricted. 20 min to Avl. Retiring sellers must downsize!

      Listed by Shelle Ball of Beverly-Hanks, Merrimon

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      55 Timberwood, Asheville, NC 28806

      Price$630,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3150289

      • Residential Single Family
      • Bathroom 4
      • Square Feet 5004
      • Bedrooms 7
      • Acreage 0.43

      Executive, impressive luxury custom home in upscale quiet neighborhood, close to everything. 2 fireplaces ( never used) garden tub, granite counters, nook and breakfast bar, stainless appliances, 7 bedrooms, 3 full bath, 1 and 1 half bathrooms, hardwood floor and ceramic tile floors throughout. Massive covered decking, main deck ceramic . Central alarm system.High ceilings. Great views. Gazebo. MOTIVATED SELLER IS OFFERING $5, 000 TO SELLING AGENT WITH BIC APPROVAL AND $5, 000 IN CLOSING COST.

      Listed by Emma Hughes of 1st Choice Realty

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      335 Lynn Cove, Asheville, NC 28804

      Price$625,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3270981

      • Residential Single Family
      • Bathroom 3
      • Square Feet 2902
      • Bedrooms 3
      • Acreage 3.5

      Your mountain home is calling. Lindal Cedar home and 3.5 +/- acres. Only 15 minutes to DT AVL/hospitals. Home has been pre-inspected, repairs made, sold as-is. Well maintained, quality home, move-in ready. Enjoy listening to the waterfall while grilling dinner on the flagstone patio. Relax in spa-like master bath. Close range winter views, can be opened up if desired. See this remodeled, updated home in desirable Beaverdam Valley. Can be used for short term vacation rental investment. Motivated.

      Listed by Sandy Austin of Beverly-Hanks, Merrimon

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      Price Down Payment Interest Rate Years
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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      20 Red Plum, Black Mountain, NC 28711

      Price$615,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3223424

      • Residential Condo/Townhouse
      • Bathroom 3
      • Square Feet 3271
      • Bedrooms 5
      • Acreage 0.31

      Motivated Sellers! Long-range sunset views as far as Mt Pisgah from this low-maintenance home only 5 minutes to downtown. 1-owner home has never been rented and is in immaculate condition! Open floorplan w/ views from every room. Office with skylights upstairs, bonus/great room downstairs, wood floors, solar film on skylights and palladium windows. Vacation rentals allowed. Not your typical townhome - private setting, end unit, .31 acres, & private drive. Some office sq footage below 7 ft.

      Listed by Scott Russell of Freestone Properties

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      41 Wedgewood, Black Mountain, NC 28711

      Price$569,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3256209

      • Residential Single Family
      • Bathroom 3
      • Square Feet 2764
      • Bedrooms 3
      • Acreage 1.7

      Motivated seller says make an offer on this beautiful, two-story, 3/3/2 home set on 1.7-acres with perpetual multi-mountain views from private decks. Cook's kitchen with multi-outlet island and reclaimed wood breakfast bar opens to spacious dining/great room with stone fireplace. Reclaimed decorative foyer doors. Gated Laurel Ridge offers underground utilities, city water, paved roads, fire substation, community center, helipad, and abundant wildlife. 15 min. to Black Mountain; 20 min. to I-40.

      Listed by Charmain Yobbi of Keller Williams - Black Mtn.

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      29 Spring Heights, Hendersonville, NC 28791

      Price$440,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3287688

      • Residential Single Family
      • Bathroom 4
      • Square Feet 2431
      • Bedrooms 3
      • Acreage 0.19

      Seller is very motivated-First years HOA dues will be paid by the seller! Beautiful mountain view! This freestanding home on a double lot has a customized floor plan & upgrades throughout. Open and light, it features great room with cathedral ceiling and dramatic windows that capture the view. All bedrooms adjoin baths, delightful three season sunroom, kitchen w/ solid surface counter & SS appliances, lower level game/media room, office & auto generator!

      Listed by Suzanne Beckmann of Beverly Hanks & Assoc. Hendersonville

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      464 Sand Hill, Asheville, NC 28806

      Price$425,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3286612

      • Residential Single Family
      • Bathroom 3
      • Square Feet 1991
      • Bedrooms 5
      • Acreage 0.19

      Motivated Seller! Wonderful, large W. AVL home on the water! Lots of light & charm! Mature trees & backyard access to fish/float. Large, flat yard great for entertaining/play. Separate entrance for lower level. Hardwoods & built-in's throughout. Completely renovated. Off street parking. Close to all the great restaurants & happenings on Haywood Rd. Easy access to major highways for fast commutes. Additional lots PINS 9628709585 & 9628800519 available for purchase-contact agent. Rm6=opportunities

      Listed by Kelly Cates of Nest Realty Asheville

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      47 Sareva, Asheville, NC 28804

      Price$399,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3263789

      • Residential Single Family
      • Bathroom 2
      • Square Feet 1877
      • Bedrooms 3
      • Acreage 0.35

      Motivated Seller. Bring us an offer. Very well maintained 3Br 2 Bath home in desirable great established neighborhood. Newly updated bathrooms, newer architectural roof in 2012, master bedroom, laundry on main level. Beautifully landscaped lot including an over sized garage. This home is move in ready! A short walk to enjoy one of the few Lakes in Asheville. Beaver Lake has walking trails, fishing, and canoes. Ideal location 5 minutes to downtown Asheville.

      Listed by Debbie Leon of United Real Estate Asheville

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      18 White Oak Forest, Fairview, NC 28730

      Price$395,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3255867

      • Residential Single Family
      • Bathroom 3
      • Square Feet 3061
      • Bedrooms 2
      • Acreage 4.03

      Gaze out through your wall of windows to lovely, long range mountain views and walk to your studio steps away to create your work of art! PRICE REDUCTION--seller motivated! This light filled private house on 4 acres has everything you need on the first floor. Huge bonus room downstairs with additional bath and storage. Lots of parking: 2 car garage, covered RV space AND detached garage that would be a wonderful studio space (has electricity and working sink).

      Listed by Scott Browne of Keller Williams Professionals

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      36 Highland Pointe, Weaverville, NC 28787

      Price$379,900The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3272133

      • Residential Condo/Townhouse
      • Bathroom 4
      • Square Feet 3060
      • Bedrooms 4
      • Acreage 0.08

      Motivated seller. Immaculate, bright, updated condo in beautiful Reems Creek Community. Quiet, large corner lot w/no maintenance located at end of cul-de-sac overlooking mountains. Gourmet kitchen w/ granite tops & stainless steel appliances. Skylights, custom closets throughout, garage; french doors, hardwood floors. Office/Flex rooms. Perfect for one level living w/lower level for guests/entertaining. Community is terrific and provides an active, safe and friendly atmosphere to live and play

      Listed by David Bluth of Investec Realty & Business Sol

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      21 Village Creek, Asheville, NC 28806

      Price$360,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3285930

      • Residential Single Family
      • Bathroom 3
      • Square Feet 2044
      • Bedrooms 3
      • Acreage 0.5

      Motivated seller - going into hibernation for the winter. 3bdrm 2.5 baths, new appliances, new wall paint, new carpeting. On a half-acre with a 16x20 utility building, fenced back yard plus great side yard for gardening. Less than 10 minutes from downtown - Large windows throughout this home bring in a ton of natural light. The sellers are offering some owner financing with an acceptable offer.

      Listed by Sona Merlin of Appalachian Realty Associates

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      18 Rockwood, Arden, NC 28704

      Price$356,250The price has recently decreased

      Est. Mortgage: $/month

      Pending

      MLS Number 3299087

      • Residential Single Family
      • Bathroom 3
      • Square Feet 2059
      • Bedrooms 3
      • Acreage 1.92

      MOTIVATED SELLERS offer lovely home PRICED BELOW APPRAISAL w/ fenced yard, garden space, creek, fruit trees. Walk-in closets, double-sided fp, sunroom, zoned HVAC, new A/C, whole house generator. Attached workshop w/ tremendous space, separate drive, 500 amp panel, high psi gas line. Indulge your largest hobbies, work from home or finish out a suite w/separate entrance. This delightful private home is only mins from airport, shopping, dining, Blue Rdg Pkwy & more! Pre-inspected. Home warranty.

      Listed by Ron Armstrong of Keller Williams Mtn Partners

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      62 Poplar Creek, Asheville, NC 28805

      Price$349,999The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3307381

      • Residential Single Family
      • Bathroom 3
      • Square Feet 2614
      • Bedrooms 3
      • Acreage 0.73

      Motivated seller, make an offer.Charming 3BD/3BA home in a great location-cul-de-sac; in a subdivision but very private; open kitchen to dining room; welcoming living room with fireplace; master suite on upper floor with large open bathroom with a whirlpool bath; one bedroom on main level has private bathroom and one bedroom has access to a bathroom which also has hall access; other features include; downstairs recreation room; spacious deck at back of house; nice backyard (play equipment stays)

      Listed by Suzanne Bellich of Beverly-Hanks, Merrimon

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      8 Dark Cove, Leicester, NC 28748

      Price$349,500The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3325378

      • Residential Single Family
      • Bathroom 3
      • Square Feet 1941
      • Bedrooms 3
      • Acreage 5.95

      Motivated Seller! Visit this hidden log cabin treasure in Leicester. Two parcels equal 5.95 acres of beautiful land with spectacular mountain views. Property boasts a private pond, waterfall and creek. Pond on upper side of property has excellent potential for additional recreational structures or home place. This is a must see in person property. Check out this 3BDR/3 full baths with wood burning stove and rustic country feel. Track A (ID 8688-38-5284-000 & Track C (8688-38-8392-000).

      Listed by Karla Marie Bertlshofer of White Squirrel Realty

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      104 Stillwater, Hendersonville, NC 28791

      Price$334,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3318509

      • Residential Single Family
      • Bathroom 3
      • Square Feet 2377
      • Bedrooms 3
      • Acreage 0.72

      Location! Easy access to Hendersonville, airport, West Henderson/Rugby school district. Cul-de-sac location in small sought-after community. Home features one level living, tall ceilings, open floor plan, stone fireplace, split bedroom plan, bonus room above garage with full bath, granite counters, stainless appliances, screened porch, deck with pergola, private back yard, hardiplank exterior. It's not often that a home becomes available in Triple Creek. Motivated seller; BRING ALL OFFERS!

      Listed by Zoltan Desi of Exit Mountain Realty II

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      29 Clairmont, Asheville, NC 28804

      Price$310,000The price has recently decreased

      Est. Mortgage: $/month

      Pending

      MLS Number 3303735

      • Residential Single Family
      • Bathroom 2
      • Square Feet 1176
      • Bedrooms 2
      • Acreage 0.16

      Beautiful N. Asheville Bungalow at a great price! Motivated Seller. 5 mins to downtown, popular area near Grove Park Inn. Short distance to bars and restaurants. Fenced in yard, quiet, beautifully landscaped, new exterior paint, wood stove. HUGE master bedroom with en suite bath. Great backyard entertaining area with roofed pergola. Lots of closet space and one car garage. Original Hardwood Floors. Agent related to owner.

      Listed by Keelan McCoy of Exit Realty Vistas

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      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      19 Crimson, Hendersonville, NC 28792

      Price$309,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3255969

      • Residential Single Family
      • Bathroom 2
      • Square Feet 1842
      • Bedrooms 3
      • Acreage 0.89

      This perfect piece of paradise has an immaculate open Floor plan, great for entertaining Friends/Family. Bonus room w/ closet that would be perfect for an office or playroom. Out back, there's an expansive covered porch w/ room to relax & includes a built-in grill & sink. A walk-in crawl space adds extra storage. All this and it is only 30 Mins. from Asheville. Motivated Sellers!! Add. (.76 acre ) lot adjacent to home is also available for purchase. Perfect for some extra added privacy!

      Listed by Becky Hollifield of Keller Williams Professionals

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      36 Foxglove, Hendersonville, NC 28739

      Price$304,900The price has recently decreased

      Est. Mortgage: $/month

      Pending

      MLS Number 3261760

      • Residential Single Family
      • Bathroom 3
      • Square Feet 2193
      • Bedrooms 2
      • Acreage 0.61

      Price reduced--motivated seller. Needs some updating but has great bones. Great for downsizing or 2nd home. Windows & skylights thru-out home invites the outdoors inside for a calming & private setting. Beautiful floor to ceiling stone wood-burning FP, enjoy screen porch along with a large open deck for entertaining or just private enjoyment w/ntl. gas grill hookup. Lower level offers den/office with 1/2 bath and laundry room. All new appliances, pantry, & lots of storage in basement area.

      Listed by Robin Dampier of Beverly-Hanks, South

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      1505 Summit Springs, Flat Rock, NC 28731

      Price$299,900The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3328930

      • Residential Single Family
      • Bathroom 3
      • Square Feet 3131
      • Bedrooms 3
      • Acreage 0.46

      Large well kept home located in desirable summit springs in flat rock! Hardwood & tile floors, corian kitchen counter top, stainless appliances, fireplace in living room. Master has large walk in closet, garden tub and shower. Convenient to highway 25 and interstate 26. Motivated seller!!

      Listed by Rhonda Hollifield of Keller Williams Mtn Partners

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      378 Avena, Black Mountain, NC 28711

      Price$299,500The price has recently decreased

      Est. Mortgage: $/month

      Pending

      MLS Number 3324031

      • Residential Single Family
      • Bathroom 2
      • Square Feet 1542
      • Bedrooms 3
      • Acreage 2.35

      Peaceful, private & ready to call home. Seller is motivated! Over 10K below appraisal. Tucked into the mtns just 1.3 miles from dtwn Black Mountain, and only one prior (original) owner. Sitting on 2.35 green acres, surrounded by lush trees, abundant sunshine & long range mountain views. Convenient to amenities, while feeling like you are tucked away in your own mountain getaway. 3bd/2ba, built in 2007. Front & back porch space to entertain and enjoy nature. Home warranty included,Welcome Home!

      Listed by Michael Kotzen of Keller Williams Professionals

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      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

      204 Moody Cove, Weaverville, NC 28787

      Price$299,000The price has recently decreased

      Est. Mortgage: $/month

      MLS Number 3335345

      • Residential Single Family
      • Bathroom 3
      • Square Feet 2660
      • Bedrooms 3
      • Acreage 3.05

      This 3 acre jewel is located in the desirable Reems Creek Valley. Property includes a large garden, two sheds, root cellar, covered front porch and a screened in back porch. A brook fronts a well kept yard. Separate living quarters upstairs ideal for rental or other creative use. Beautiful hardwood floors enhances this home. This is a must see! Motivated seller!

      Listed by Jeremy Rabuck of Carolina Green Realty

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      Est. Mortgage: $/month

      Federal 30-year interest rate: 4.03% last updated on 2017-11-02

      This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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