Cecil County - Port Deposits Latest Listing Home For Sale! Welcome to "The Villages of Susquehanna" I was pleasantly surprised when visiting this 4 Bedroom, 2.5 Bath Colonial Home for the first time. This was not your standard Colonial Home in a Rural Setting. With its Fully Finished Basement including Theater Room, Wet Bar....you will exit to a Beautiful 1,000+ sq.ft. E.P. Henry Block Lighted Patio in the Backyard! The Home Features a Bonus Room/Office on the First Floor as well as NEW Granite Counters, Island-Breakfast Bar, New Appliances, Open 2-Story Foyer, Black Top Driveway, 2 Car Garage, 2-Person Jetted Tub, Spacious Masterbedroom with Vaulted Ceilings and MUCH MUCH MORE! Enjoy the Visual Tour and Make your Appointment Today to Preview this Wonderful Home! .

If you're thinking of selling your home in Maryland, and you expect that the total amount you owe on your mortgage will be greater than the selling price of your home, you may be facing a short sale. A short sale in Maryland is one where the net proceeds from the sale won't cover your total mortgage obligation and closing costs, and you don't have other sources of money to cover the deficiency. A short sale is different from a foreclosure, which is when your lender takes title of your home through a lengthy legal process and then sells it.

1. Consider loan modification first. If you are thinking of selling your home in Maryland because of financial difficulties and you anticipate a short sale, first contact your lender to see it has any programs to help you stay in your home. Your lender may agree to a modification such as:

· Refinancing your loan at a lower interest rate
· Providing a different payment plan to help you get caught up
· Providing a forbearance period if your situation is temporary

When a loan modification still isn’t enough to relieve your financial problems, a short sale could be your best option if

· Your property is worth less than the total mortgage you owe on it.
· You have a financial hardship, such as a job loss or major medical bills.
· You have contacted your lender and it is willing to entertain a short sale.

2. Hire Robert McArtor with Long and Foster Real Estate, Inc. Short sales have proliferated only in the last few years, so it may be hard to find practitioners who have closed a lot of short sales. You want to work with Robert McArtor who demonstrates a thorough working knowledge of the short-sale process and will not try to take advantage of your situation or pressure you to do something that isn't in your best interest.

When you Hire Robert McArtor with Long and Foster Real Estate, Inc. He will:

· Provide you with a comparative market analysis (CMA) or broker price opinion (BPO).
· Help you set an appropriate listing price for your home, market the home, and get it sold.
· Put special language in the MLS that indicates your home in Maryland is a short sale and that lender approval is needed (all MLSs permit, and some now require, that the short-sale status be disclosed to potential buyers).
· Ease the process of working with your lender or lenders.
· Negotiate the contract with the buyers.
· Help you put together the short-sale package to send to your lender (or lenders, if you have more than one mortgage) for approval. You can’t sell your home without your lender and any other lien holders agreeing to the sale and releasing the lien so that the buyers can get clear title.

Whether you are in Harford County Maryland considering a Short Sale, Baltimore County, Cecil County, Anne Arundel County, Baltimore City, We are here to help you avoid foreclosure and become a Bank Owned Property. Foreclosures are expected to increase through-out Maryland in the coming months. Don't wait until the last minute to start the Short Sale process here in Maryland.

What is a short sale?

It’s likely you’ve heard the term “short sale” thrown around quite a bit. But what, exactly, is a short sale in Maryland?

A short sale is when a bank agrees to accept less than the total amount owed on a mortgage to avoid having to foreclose on the property. This is not a new practice; banks have been doing short sales for years. Only recently, due to the current state of the housing market, has this process become a part of the public consciousness. To be eligible for a short sale, you first have to qualify!

To qualify for a short sale,
a.) Your house must be worth less than you owe on it, and
b.) You must be able to prove that you are the victim of a true financial hardship, such as a decrease in wages, job loss, or medical condition that has altered your ability to make the same income as when the loan was originated. *You cannot qualify for a short sale if you simply want to move, as the bank will scrutinize your financial records to confirm financial hardship. I meet all of these criteria. What do I do now? Once the bank is on board, the real work begins…

1.) Find a QUALIFIED agent to handle your short sale in Maryland . It’s a good idea to find one who has completed at least 30 successful short sale transactions, as short sales require a very specific skill set. Knowing how to successfully navigate pitfalls and avoid potential delays is key to the success of the transaction. Read through our short sale expertise throughout our website.

Robert B. McArtor is a Certified Short Sale Agent through Long and Foster Real Estate, Inc.

Per Rush.....

"On August 1, 1620, the Mayflower set sail. It carried a total of 102 passengers, including forty Pilgrims led by William Bradford. On the journey, Bradford set up an agreement, a contract, that established just and equal laws for all members of the new community, irrespective of their religious beliefs. Where did the revolutionary ideas expressed in the Mayflower Compact come from? From the Bible. The Pilgrims were a people completely steeped in the lessons of the Old and New Testaments. They looked to the ancient Israelites for their example. And, because of the biblical precedents set forth in Scripture, they never doubted that their experiment would work."

Now, you know the usual story of Thanksgiving: They landed. They had no clue where they were, no idea how to feed themselves. The Indians came out, showed 'em how to pop popcorn, fed 'em turkey, saved 'em basically -- and then white European settlers after that basically wiped out the Indian population. It's a horrible example. Not only is that not true, here is the part that's been omitted from what is still today taught as the traditional Thanksgiving story in many schools. "The original contract the Pilgrims had entered into with their merchant-sponsors in London called for everything they produced to go into a common store,' when they got here, 'and each member of the community was entitled to one common share. All of the land they cleared and the houses they built belong to the community as well.

"They were going to distribute it equally. All of the land they cleared and the houses they built belonged to the community as well. ... [William] Bradford, who had become the new governor of the colony, recognized that this form of collectivism was as costly and destructive to the Pilgrims as that first harsh winter, which had taken so many lives. He decided to take bold action. Bradford assigned a plot of land to each family to work and manage, thus turning loose the power of the marketplace. ... Long before Karl Marx was even born, the Pilgrims had discovered and experimented with what could only be described as socialism,' and it had failed" miserably because when every put things in the common store, some people didn't have to put things in for there to be, people that didn't produce anything were taking things out, and it caused resentment just as it does today. So Bradford had to change it.

"What Bradford and his community found was that the most creative and industrious people had no incentive to work any harder than anyone else, unless they could utilize the power of personal motivation! But while most of the rest of the world has been experimenting with socialism for well over a hundred years – trying to refine it, perfect it, and re-invent it – the Pilgrims decided early on to scrap it permanently. What Bradford wrote about this social experiment should be in every schoolchild's history lesson. If it were, we might prevent much needless suffering," that happens today and will happen "in the future. 'The experience that we had in this common course and condition, tried sundry years...that by taking away property, and bringing community into a common wealth, would make them happy and flourishing – as if they were wiser than God,' Bradford wrote.

"'For this community (so far as it was) was found to breed much confusion and discontent, and retard much employment that would have been to their benefit and comfort. For young men that were most able and fit for labor and service did repine that they should spend their time and strength to work for other men's wives and children without [being paid] that was thought injustice.' ... The Pilgrims found that people could not be expected to do their best work without incentive. So what did Bradford's community try next? They unharnessed the power of good old free enterprise by invoking the undergirding capitalistic principle of private property. Every family was assigned its own plot of land to work and permitted to market its own crops and products. And what was the result?"

Here's what Bradford wrote, the governor of the Massachusetts colony. "'This had very good success,' wrote Bradford, 'for it made all hands industrious, so as much more corn was planted than otherwise would have been.' Bradford doesn't sound like much of a Clintonite, does he?" or an Obamaite, if I can update it. "Is it possible that supply-side economics could have existed before the 1980s? ... Anyway, the pilgrims found "In no time, the Pilgrims found they had more food than they could eat themselves. ... So they set up trading posts and exchanged goods with the Indians. The profits allowed them to pay off their debts to the merchants in London. And the success and prosperity of the Plymouth settlement attracted more Europeans and began what came to be known as the 'Great Puritan Migration.'"

Very few people have heard this story or have had it taught to them -- and the "thanks" was to God for showing them the way. In later parts of the chapter, I quote John Adams and George Washington on their reminisces and their thoughts on the first Thanksgiving and the notion it was thanks to God. It was an entirely different story than is being taught in the schools. It's been muddied down, watered down all these years -- and now it's been hijacked by the multicultural community -- to the point that the story of Thanksgiving is the Pilgrims were a bunch of incompetents and were saved only by the goodness of the Indians, who then were wiped out. And that's what kids are being taught today -- 'cause, of course, you can't mention the Bible in school, and that's fundamental to the real story of Thanksgiving.

10 States Where Distressed Homes Will Be Flooding The Market For Years

According to the latest real estate market report from CoreLogic.  10 States are faced with a backlog of distressed homes. While home prices are rising in some places and stabilizing in others. There’s plenty of supply of distressed homes in Maryland. If you are looking for a Foreclosure, Short Sale or a Bank Owned Home in Maryland, Baltimore or Harford County. Contact Robert B. McArtor with Long and Foster Real Estate, Inc. today! Unfortunately, with the supply of distressed homes out there, it will certainly keep prices depressed in the marketplace for years to come.

 

#1 - Mississippi with a supply of Distressed Homes of 70.6 Months

#2 - New Jersey with a supply of Distressed Homes of 46.1 Months

#3 - Illinois with a supply of Distressed Homes of 36.2 Months

#4 - Maine with a supply of Distressed Homes of 35.7 Months

#5 - Washington D.C. with a supply of Distressed Homes of 32.4 Months

#6 - Georgia with a supply of Distressed Homes of 31.2 Months

#7 - New York with a supply of Distressed Homes of 30.3 Months

#8 - Indiana with a supply of Distressed Homes of 29 Months

#9 - Minnesota with a supply of Distressed Homes of 27.2 Months

#10 - Maryland with a supply of Distressed Homes of 25.5 Months

"An Evening of Unexpected Delights" was hosted by Mayor Stephanie Rawlings-Blake at the Baltimore Convention Center and catered by Centerplate which helped to raise over $300,000 to battle homelessness. Over 500 people were in attendance. The event is to benefit Baltimore's "The Journey Home" - Baltimore's 10-year plan to end homelessness.

Another surprise guest in attendance was the former Baltimore Ravens offensive lineman Jonathan Ogden. He pleased the crowd as the guest bartender for the evening.

A live auction of four vacation packages and Chef entertainments turned into a wonderful show as Robert B. McArtor with Tidewater Auctions had the crowd roaring with applause and on their feet as the bidding increased with excitement.  "I was excited as bidding became fierce...$15...$17...$21 thousand dollars for a trip to New York to see the farewell live taping of Regis and Kelly....its for the homeless....Baltimore should be proud of its generous citizens", Robert said.

Jewel was the best kept secret of the event. Many in the crowd held back tears as she spoke of living homeless and living out of her car in the early 1990's. She performed her song "Hands" as photographs of homelessness flashed behind her on the screens.

 

"I would like to personally thank Desmond Hague and Centerplate for their generous support of our efforts to make homelessness rare and brief in Baltimore," said Rawlings-Blake. "Centerplate's contribution will go a long way to support critical priorities under the Journey Home plan including employment training, placement services and education support for youth experiencing homelessness."

All proceeds from the benefit will provide funding for two critical Journey Home priorities: an employment program that will operate out of three emergency shelters and the hiring of coordinators to support the academic and social needs of the 1,000 homeless youth living in shelters

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Astronaut says Hurricane Irene looks, "terrifying from above"

Hurricane Irene is bearing down on the U.S. East Coast and has turned into a frightening storm, according to an astronaut on the International Space Station.

NASA astronaut Mike Fossum said that Hurricane Irene, like all hurricanes, looks "terrifying from above," and its evolution into a major storm this week has been unmistakable from orbit.

DID YOU KNOW?

Irene has been used for six tropical cyclones in the Atlantic Ocean, one in the western Pacific Ocean, one in the southwest Indian Ocean

Top Realtor in Maryland. Homes are available now if you are Searching in the Baltimore area, Baltimore, Harford and Cecil County Homes can be viewed from our FREE ListingBook Account directly tied to Realtors MLS, Search for Harford County Homes now, If you are Relocating to Maryland because of BRAC we can help you with your home search, Buying a Home in Perry Hall or Nottingham? Let Robert McArtor help you with your Home Search, Selling a Home in Bel Air or Abingdon let Robert McArtor with Long and Foster Real Estate work Hard for You 443-392-4833

Red Pump Construction is almost complete, what can you expect as parents for the new school year?

All the common areas are very spacious with the kindergarten wing featuring Blue carpet everywhere including Blue walls with alphabet letters on the floor.  The purple wing is for primary students in first through third grade. The green wing is for intermediate students in fourth and fifth grade. It will feature separate locker areas in every class. An open lobby area, a Large Gymnasium for activities. After spending $31.5 Million, every detail was considered when constructing this beautiful school.

HARFORD COUNTY SCHOOL FINDER

Other features include three large playgrounds, three mini pools for environmental science lessons, New High Tech Smart Boards for the Teachers and Students in every classroom, four student computers in every class, tiered seating computer lab, television studio, media center, large music and art rooms with a kiln. Two music rooms to accommodate instrumental and vocal music with the vocal one offering instant recording!, Large televisions for announcements and more! Thinking of Relocating to Harford County? why not!

The school is located off Vale and Red Pump roads just North of Bel Air, Maryland in Harford County. The building is scheduled to open next month for the 2011-12 school year.

 

June 2011 RBI Pending Home Sales Index (tm)

Baltimore Metro Area Sees Highest Contract Signings for June in 4 Years

Buyers and Sellers Signed 2,585 Contracts in June - Most Since 2007 - Though Market Saw 5.3% Month-over-Month Seasonal Decline in New Pending Sales. Median Sales Price Increased 6.1% Month-over-Month to $235,500 but Remained 5..8% Below Last Year's Level.

Rockville, MD - July 11, 2011 - The following analysis of the Baltimore Metro Area housing market has been prepared by housing market expert Jonathan Miller of Miller Samuel, based on the June 2011 RBI Pending Home Sales Index (TM) released today.

Overview:

New pending sales activity slipped 5.3% to 2,585 from May to June 2011, consistent wi the 3.4% decline averaged over the same period in the prior decade.  However, the June 2011 total represented the most signed contracts for June in 4 years.  The 30.8% jump from the June 2010 pending sales total of 1,977 reflected the sharp decline in contract activity immediately following the April 2010 expiration of the federal homebuyer tax credit and not a recent surge in contract activity.  Median sales price seasonally increased for the third consecutive month, reaching $235,500 in June but remained 5.8% below $250,000 in the same month last year.

KEY TRENDS:

Most new contracts signed during the month of June since 2007.  There were 2,585 new pending sales in June 2011, below levels signed over the previous three months.

Hire Robert McArtor with Long and Foster Real Estate, Inc. Short sales in Baltimore have proliferated only in the last few years, so it may be hard to find practitioners who have closed a lot of short sales in Maryland. You want to work with Robert McArtor who demonstrates a thorough working knowledge of the short-sale process and will not try to take advantage of your situation or pressure you to do something that isn't in your best interest. Robert McArtor is Certified Short Sale Agent with Long and Foster Real Estate, Inc.
 
When you Hire Robert McArtor with Long and Foster Real Estate, Inc. He will:
 
·         Provide you with a comparative market analysis (CMA) or broker price opinion (BPO).
·         Help you set an appropriate listing price for your home, market the home, and get it sold.
·         Put special language in the MLS that indicates your home in Maryland is a short sale and that lender approval is needed (all MLSs permit, and some now require, that the short-sale status be disclosed to potential buyers).
·         Ease the process of working with your lender or lenders.
·         Negotiate the contract with the buyers.
·         Help you put together the short-sale package in Maryland to send to your lender (or lenders, if you have more than one mortgage) for approval. You can't sell your home without your lender and any other lien holders agreeing to the sale and releasing the lien so that the buyers can get clear title.

 

Located at 3433 Clayton Road, Joppa, Maryland 21085 Immaculately kept through-out, Beautiful Stone Fireplace in the Living Room is the Centerpiece of this Wonderful 3 Bdrm., 3 Bath Brick Raised Rancher. Fully Finished Recreation Room w/ Wet Bar. Master Bedroom overlooks private back yard, Masterbath, Central Vaccum, Radon Remediation System, New Trex Deck Patio, Architectural Shingle Roof, Black top Driveway, Stream & More!...