Michael D. Klijanowicz - Baltimore County & Harford County Real Estate Agent - WWW.ISELLMDHOMES.COM

MY NEW BUSINESS CARDS COURTESY OF DARK RISING GRAFx LLC

Sat, 07 Nov 2009 15:15:13 -0600

TAKE A LOOK AT MY NEW CARDS COURTESY OF DARK RISING GRAFx LLC! If you want to contact them visit their site @ http://www.darkrisinggrafx.com/index.html or via email @ darkrisinggrafx@aol.com or by phone at 443-802-1335. They can do business cards, flyers, menus, ads, postcards, and anything that you want done! Make sure to tell them where you saw their information and that I referred you to them!

BACK OF CARD BELOW

If you are considering listing and selling your Baltimore County or Harford County Maryland real estate, I can provide a FREE HOME EVALUATION REPORT also known as a Comparative Market Analysis Report (CMA). The report will detail all of the Baltimore County or Harford County homes comparable to yours that have recently SOLD in your immediate market area! CLICK HERE TO GET YOUR FREE BALTIMORE COUNTY OR HARFORD COUNTY MARYLAND HOME VALUE REPORT AND TELL ME A LITTLE ABOUT YOUR HOME!

Are you searching for a new place to call home in MD, PA, VA, DC, or WVA? Then CLICK HERE FOR A FREE MLS SEARCH AND SEE ALL OF THE ACTIVE HOME LISTINGS! They are directly downloaded from the same MLS system the real estate agents use! This database will show you ALL of the property addresses and you will also be able to search for open houses! Additionally, if you are RELOCATING TO BALTIMORE COUNTY OR HARFORD COUNTY MARYLAND CLICK HERE for more resources.

CLICK HERE TO SET UP YOUR OWN CUSTOMIZED FREE LISTINGS EMAIL NOTIFICATION! Here is your chance to be notified via email of all the new listings in your selected areas that meet your criteria, ABSOLUTELY FREE! Not only will you be notified by email of all the new listings that meet your criteria from my website, I will also enter your property search criteria into the local MLS system so you will get to SEE ALL OF THE NEW LISTINGS THAT ALL OF THE AGENTS SEE as soon as they hit the market!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Michael D. Klijanowicz
Top Office Individual Producer
(Top Listing Agent & Top Sales Agent)
Long & Foster Perry Hall

(800) 514-7355 X3158 Office
(410) 236-3331 Cell - Direct

http://www.isellmdhomes.com/

Serving Buyers & Sellers in the
Greater Baltimore & Harford County Metropolitan Areas

CONTACT ME FOR MORE INFORMATION - FREE CONSULTATIONS AVAILABLE!

HOME BUYER TAX CREDIT FOR FIRST TIME BUYERS AND REPEAT BUYERS - FREQUENTLY ASKED QUESTIONS - FAQ'S

Sat, 07 Nov 2009 13:45:43 -0600

WHAT IS THE NEW AND IMPROVED HOME BUYER TAX CREDIT?

The First Time & Repeat Home Buyer Tax Credit is an incredible incentive that has been included in the enhanced stimulus package which makes it EASIER and MORE AFFORDABLE than EVER to buy a home - through a tax credit of up to $8000 for First Time Buyers and $6500 for Repeat Buyers in government incentives as part of the brand new enhanced economic stimulus plan that was just recently passed and enacted into law by Congress. Couple that with Mortgage Lending Rates at ALL TIME LOWS and sellers who are willing to accept significantly less than full price offers and are also willing to contribute towards your closing costs, NOW IS THE TIME TO BUY A HOME!

WHO QUALIFIES FOR THE 1^st TIME & REPEAT HOME BUYER TAX CREDIT?

First time Home Buyers are defined as someone who has not owned a home within the LAST 3 YEARS. Repeat Buyers who are eligible to claim this credit must have owned their current primary residence for a minimum of 5 years.

WHEN DOES THE 1^st TIME & REPEAT HOME BUYER TAX CREDIT END?

The First Time & Repeat Home Buyer Tax Credits are only for executed contracts of sale between NOW and APRIL 30, 2010. You must settle on or before JUNE 30, 2010 in order to be eligible to claim the credit on your tax return.

HOW DO YOU GET YOUR CHECK FOR THE TAX CREDIT?

The simple answer is when you file your tax return. However, there are several ways you can do this:

1) If you have already filed your 2008 tax returns, you could always file an amended return claiming the credit;

2) If you have already filed your 2008 tax returns, you could always wait until you file your 2009 returns.

OTHER IMPORTANT RULES & NOTES ABOUT THE HOME BUYER TAX CREDIT!

1) Must owner occupy the property for 3 years as a principal residence. (SORRY, NO INVESTORS)

2) Maximum credit is up to 10% of the purchase price with a maximum amount of $8000 for 1^st Time Buyers & $6500 for Repeat Home Buyers (Purchase a home that is $80,000+ & you should be able to claim the full credit).

3) If you make more than $125,000 a year (or $225,000 jointly) the credit is less and eventually phases to zero.

4) The home being purchased must be under $800,000

5) Members of the military that have served outside of the U.S. for at least 90 days from January 1, 2009 to May 1, 2010 have the deadlines automatically extended for 1 additional year.

6) If you are selling your home as a REPEAT BUYER you must settle January 1, 2009 or later in order to claim the credit.

DISCLAIMER: YOU should ALWAYS consult with your own TAX PROFESSIONAL to see how this rebate affects your own situation. We are not accountants and are not qualified to give you tax advice on your situation.

STAY TUNED FOR ADDITIONAL DETAILS AS I WILL BE SURE TO SHARE THEM!

THIS JUST IN AS SOME MORE INFORMATION TO ADD TO THIS POST! (UPDATED 11/7/09)!

First Time Homebuyer Tax Credit Extended Into 2010!
Plus...A New Tax Credit for Certain Existing Home Owners!

It's official. President Obama has signed a bill that extends the tax credit for first-time homebuyers (FTHBs) into the first half of 2010. This program had been scheduled to expire on November 30, 2009.

In addition to extending the tax credit of up to $8,000 through June 30, 2010, the extension measure also opens up opportunities for others who are not buying a home for the first time.

So Who Gets What?
The program that has existed for FTHBs remains intact with the one exception that more people are now eligible based on an increase in the amount of income someone may now earn.

Additionally, the program now gives those who already own a residence some additional reasons to move to a new home. This incentive comes in the form of a tax credit of up to $6,500 for qualified purchasers who have owned and occupied a primary residence for a period of five consecutive years during the last eight years.

Deadlines
In order to qualify for the credit, all contracts need to be in effect no later than April 30, 2010 and close no later than June 30, 2010.

Higher Income Caps in Effect
The amount of income someone can earn and qualify for the full amount of the credit has been increased.

Single tax filers who earn up to $125,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit. However, single filers who earn $145,000 and above are ineligible.

Joint filers who earn up to $225,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit. However, joint filers who earn $245,000 and above are ineligible.

Maximum Purchase Price
Qualifying buyers may purchase a property with a maximum sales price of $800,000.

First-Time Homebuyer Tax Credit - Frequently Asked Questions
Here are answers to some commonly asked questions about the tax credit.

What is a tax credit?
A tax credit is a direct reduction in tax liability owed by an individual to the Internal Revenue Service (IRS). In the event no taxes are owed, the IRS will issue a check for the amount of the tax credit an individual is owed. Unlike the tax credit that existed in 2008, this credit does not require repayment unless the home, at any time in the first 36 months of ownership, is no longer an individual's primary residence.

What is the tax credit for first-time homebuyers (FTHBs)?
An eligible homebuyer may request from the IRS a tax credit of up to $8,000 or 10% of the purchase price for a home. If the amount of the home purchased is $75,000, the maximum amount the credit can be is $7,500. If the amount of the home purchased is $100,000, the amount of the credit may not exceed $8,000.

Who is eligible for the FTHB tax credit?
Anyone who has not owned a primary residence in the previous 36 months, prior to closing and the transfer of title, is eligible. This applies both to single taxpayers and married couples. In the case where there is a married couple, if either spouse has owned a primary residence in the last 36 months, neither would qualify. In the case where an individual has owned property that has not been a primary residence, such as a second home or investment property, that individual would be eligible.

As mentioned above, the tax credit has been expanded so that existing homeowners who have owned and occupied a primary residence for a period of five consecutive years during the last eight years are now eligible for a tax credit of up to $6,500.

How do I claim the credit?
For those taking advantage of the tax credit in 2009, you may choose to either apply for the credit with your 2009 tax return or you may apply for the credit sooner by filing an amended 2008 tax return with Form 5405 (http://www.irs.gov/pub/irs-pdf/f5405.pdf).

Can you claim the tax credit in advance of purchasing a property?
No. The IRS has recently begun prosecuting people who have claimed credits where a purchase had not taken place.

Can a taxpayer claim a credit if the property is purchased from a seller with seller financing and the seller retains title to the property?
Yes. In situations where the buyer purchases the property, even though the seller retains legal title, the taxpayer may file for the credit. Examples of this would include a land contract, contract for deed, etc. According to the IRS, factors that would demonstrate the ownership of the property would include: 1. the right of possession, 2. the right to obtain legal title upon full payment of the purchase price, 3. the right to construct improvements, 4. the obligation to pay property taxes, 5. the risk of loss, 6. the responsibility to insure the property and 7. the duty to maintain the property.

Are there other restrictions to taking the credit?
Yes. According to the IRS, if any of the following describe your situation, a credit would not be due.

You buy your home from a close relative. This includes your spouse, parent, grandparent, child or grandchild.
You do not use the home as your principal residence.
You sell your home before the end of the year.
You are a nonresident alien.
You are, or were, eligible to claim the District of Columbia first-time homebuyer credit for any taxable year. (This does not apply for a home purchased in 2009.)
Your home financing comes from tax-exempt mortgage revenue bonds. (This does not apply for a home purchased in 2009.)
You owned a principal residence at any time during the three years prior to the date of purchase of your new home. For example, if you bought a home on July 1, 2009, you cannot take the credit for that home if you owned, or had an ownership interest in, another principal residence at any time from July 2, 2006, through July 1, 2009.

Can you buy a home from a step-relative and be eligible for the credit?
Yes. Provided the person you are buying a home from is not a direct blood relative, the purchase would be allowed.

Can parent(s) who will not live in the property cosign for a mortgage for their child and the child that is a qualifying FTHB still be eligible for the credit?
Yes.

Can a separated spouse who has not owned a home for four years qualify for the FTHB tax credit if the spouse has owned a property anytime in the last three years?
No. However, the spouse may be eligible for the repeat buyer credit. The best path to take in any situation regarding income taxes is to speak with a professional tax preparer or CPA.

If you have any questions that fall outside the situations here, give me a call and if you do not have an accountant to speak with, I can refer you to one.

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

WILL THE FIRST TIME HOME BUYER TAX CREDIT GET EXTENDED AND EXPANDED IN PERRY HALL, MARYLAND?

Thu, 29 Oct 2009 19:44:44 -0500

I read two articles today in two different newspapers (one from the BALTIMORE SUN and one from the USA TODAY) that stated the first time home buyer tax credit is up for consideration to be extended and expanded in Perry Hall, Maryland and throughout the rest of the country. I pasted links to both stories at the bottom of this message.

From what I read they are planning on trying to extend the first time home buyer tax credit until the end of April. Under the new proposal, from what I read, first time home buyers will have until the end of April to enter into a fully executed contract of sale, but will be able to push the settlement until June. I did not see anything else about the $8,000 rules changing from the original bill that is currently in place right now and set to expire on November 30, 2009 (ALL SALES MUST BE CLOSED BY THAT DATE):

Must be a first time home buyer (not owned a home within the last 3 years)
To qualify for the full $8000 you must purchase a home $80,000 or more
You must live in the home as your primary residence for the next 3 years
There are also income requirements that phase out the credit if you are lucky enough to be in the higher income brackets (which most first time buyers I know are not and if you are then you probably don't need the credit anyways).

THE NEW PART OF THIS LEGISLATION IS (Again, this is based from what I read and this is very new and fresh information which will surely be updated so STAY TUNED)..........................................................

REPEAT BUYERS WILL ALSO BE ELIGIBLE FOR THE CREDIT! All of the exact details have not been put anywhere that I have seen so STAY TUNED. What these articles did mention was a credit of up to $6,500 was being included in the extension of the bill for REPEAT BUYERS who have owned their homes for at least the last 5 years!

HAVE YOU OWNED YOUR HOME IN PERRY HALL, MARYLAND FOR THE LAST 5 YEARS?
HAVE BEEN THINKING ABOUT MOVING?

IF SO, CALL ME TODAY SO WE CAN DISCUSS YOUR OPTIONS! THIS UNPRECEDENTED ACTION WILL NOT LAST FOREVER, SO YOU BETTER ACT ON THIS AND PICK THE RIGHT AGENT TO MAKE SURE YOUR HOME GETS THAT CONTRACT BY THE END OF APRIL! IF YOU HAVE MORE QUESTIONS, FEEL FREE TO CALL OR EMAIL ME DIRECTLY!

MIKE KLIJANOWICZ

410-236-3331

Baltimore Sun Article - http://www.baltimoresun.com/news/nation-world/bal-te.taxcredit29oct29,0,4506255.story

USA Today Article - http://www.usatoday.com/money/economy/housing/2009-10-28-homebuyer-tax-credit-deal_N.htm

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

WILL THE FIRST TIME HOME BUYER TAX CREDIT GET EXTENDED AND EXPANDED IN HARFORD COUNTY, MARYLAND?

Thu, 29 Oct 2009 19:41:28 -0500

I read two articles today in two different newspapers (one from the BALTIMORE SUN and one from the USA TODAY) that stated the first time home buyer tax credit is up for consideration to be extended and expanded in Harford County, Maryland and throughout the rest of the country. I pasted links to both stories at the bottom of this message.

Must be a first time home buyer (not owned a home within the last 3 years)
To qualify for the full $8000 you must purchase a home $80,000 or more
You must live in the home as your primary residence for the next 3 years
There are also income requirements that phase out the credit if you are lucky enough to be in the higher income brackets (which most first time buyers I know are not and if you are then you probably don't need the credit anyways).

HAVE YOU OWNED YOUR HOME IN HARFORD COUNTY, MARYLAND FOR THE LAST 5 YEARS?
HAVE BEEN THINKING ABOUT MOVING?

MIKE KLIJANOWICZ

410-236-3331

Baltimore Sun Article - http://www.baltimoresun.com/news/nation-world/bal-te.taxcredit29oct29,0,4506255.story

USA Today Article - http://www.usatoday.com/money/economy/housing/2009-10-28-homebuyer-tax-credit-deal_N.htm

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

WILL THE FIRST TIME HOME BUYER TAX CREDIT GET EXTENDED AND EXPANDED IN BALTIMORE COUNTY, MARYLAND?

Thu, 29 Oct 2009 19:36:23 -0500

I read two articles today in two different newspapers (one from the BALTIMORE SUN and one from the USA TODAY) that stated the first time home buyer tax credit is up for consideration to be extended and expanded in Baltimore County, Maryland and throughout the rest of the country. I pasted links to both stories at the bottom of this message.

Must be a first time home buyer (not owned a home within the last 3 years)
To qualify for the full $8000 you must purchase a home $80,000 or more
You must live in the home as your primary residence for the next 3 years
There are also income requirements that phase out the credit if you are lucky enough to be in the higher income brackets (which most first time buyers I know are not and if you are then you probably don't need the credit anyways).

HAVE YOU OWNED YOUR HOME IN BALTIMORE COUNTY, MARYLAND FOR THE LAST 5 YEARS?
HAVE BEEN THINKING ABOUT MOVING?

MIKE KLIJANOWICZ

410-236-3331

Baltimore Sun Article - http://www.baltimoresun.com/news/nation-world/bal-te.taxcredit29oct29,0,4506255.story

USA Today Article - http://www.usatoday.com/money/economy/housing/2009-10-28-homebuyer-tax-credit-deal_N.htm

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

IS THE FIRST TIME HOME BUYER TAX CREDIT GETTING EXTENDED AND EXPANDED IN MARYLAND?

Thu, 29 Oct 2009 19:07:10 -0500

I read two articles today in two different newspapers (one from the BALTIMORE SUN and one from the USA TODAY) that stated the first time home buyer tax credit is up for consideration to be extended and expanded in Maryland and throughout the rest of the country. I pasted links to both stories at the bottom of this message.

Must be a first time home buyer (not owned a home within the last 3 years)
To qualify for the full $8000 you must purchase a home $80,000 or more
You must live in the home as your primary residence for the next 3 years
There are also income requirements that phase out the credit if you are lucky enough to be in the higher income brackets (which most first time buyers I know are not and if you are then you probably don't need the credit anyways).

HAVE YOU OWNED YOUR HOME IN MARYLAND FOR THE LAST 5 YEARS?
HAVE BEEN THINKING ABOUT MOVING?

MIKE KLIJANOWICZ

410-236-3331

Baltimore Sun Article - http://www.baltimoresun.com/news/nation-world/bal-te.taxcredit29oct29,0,4506255.story

USA Today Article - http://www.usatoday.com/money/economy/housing/2009-10-28-homebuyer-tax-credit-deal_N.htm

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Parkville, Maryland Town Homes for Sale - Another Great Home Listed By Michael Klijanowicz - 1842 Trenleigh Road

Wed, 08 Jul 2009 20:48:04 -0500

ANOTHER PARKVILLE TOWN HOME LISTED BY MICHAEL D. KLIJANOWICZ! There is absolutely nothing to do with this one but move right in! It's PERFECT FOR THE $8000 FIRST TIME HOME BUYER TAX REBATE TOO - CALL FOR MORE DETAILS (410-236-3331)!

1842 TRENLEIGH ROAD
PARKVILLE, MD 21234

TOWN HOMES FOR SALE IN PARKVILLE, MARYLAND LISTED EXCLUSIVELY BY
Michael D. Klijanowicz (Agent with Long and Foster Real Estate, Inc.)

OFFERED AT $189,900

DESCRIPTION: GREAT PRICE! GREAT LOCATION! Featuring: BRAND NEW Kitchen Counters, Cabinets, Custom Matching Ceramic Flooring & Backsplash, Breakfast Bar, and Appliances, Replacement Windows, Fresh Paint, New Carpeting, Fully Finished Walkout Basement, Extra Parking Pad in Rear, Fenced in Yard, Covered Front Porch facing ball fields, Backs to Open Space, HAS CENTRAL A/C, 32" FLAT SCREEN IN BEDROOM CONVEYS TOO! PERFECT FOR $8000 FIRST TIME BUYER CREDIT-CALL 4 DETAILS! Don't forget to view the VIRTUAL TOUR and MANY EXTRA PICTURES!

CLICK HERE TO VIEW MORE PHOTOS AND A VIRTUAL TOUR OF THIS PROPERTY!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Michael D. Klijanowicz
Top Office Individual Producer - 2008
(Top Listing Agent & Top Sales Agent)
Long & Foster Perry Hall

(800) 514-7355 X3158 Office
(410) 236-3331 Cell - Direct

http://www.isellmdhomes.com/

Serving Buyers & Sellers in the
Greater Baltimore & Harford County Metropolitan Areas

CONTACT ME FOR MORE INFORMATION - FREE CONSULTATIONS AVAILABLE!

OAKHURST TOWN HOME IN PERRY HALL SOLD IN 30 DAYS BY MICHAEL KLIJANOWICZ (Agent with Long & Foster Real Estate)

Fri, 05 Jun 2009 15:45:18 -0500

ANOTHER OAKHURST TOWN HOME SOLD IN PERRY HALL BY MICHAEL D. KLIJANOWICZ! This one was SOLD WITHIN 30 DAYS! If you own a townhome in Perry Hall and are ready to sell it, give Mike Klijanowicz a call!

23 HALLVIEW COURT
NOTTINGHAM, MD 21236

TOWN HOMES FOR SALE IN PERRY HALL, MARYLAND LISTED EXCLUSIVELY BY
Michael D. Klijanowicz (Agent with Long and Foster Real Estate, Inc.)

OFFERED AT $229,500

DESCRIPTION: BEST BUY IN OAKHURST! This 4 Bedroom Open Foyer townhome is ideally located at the end of the court & FEATURES: Brick Front,Large Eat-in kitchen w/bay window-New cabinets-Ceramic Tile floor-NEWER Appliances-&table space,NEWER Washer & Dryer,2 Custom Decks,Fully Fenced in Rear Yard,Master Bedroom w/Full Bath & his/her closets,2nd full bath is also on upper level,Fully Finished Basement,NO HOA FEES! Don't forget to view the VIRTUAL TOUR and MANY EXTRA PICTURES!

CLICK HERE TO VIEW MORE PHOTOS AND A VIRTUAL TOUR OF THIS PROPERTY!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Lutherville, MD First Time Home Buyers $8000 Tax Credit Information

Sat, 21 Mar 2009 21:42:09 -0500

ATTENTION

FIRST TIME HOME BUYERS IN LUTHERVILLE, MARYLAND

ACT NOW AND GET UP TO $8000 BACK!!!!!

If you are a Lutherville, Maryland First Time Home Buyer (or know someone else who will be), NOW IS A GREAT TIME TO BUY A HOME! The enhanced first time home buyer tax credit stimulus makes it easier and more affordable than ever to buy your first home - through a tax credit of up to $8,000 in government incentives as a part of the economic stimulus plan that was just passed and enacted into law by Congress. Couple that with Mortgage Rates at ALL-TIME LOWS, choices of existing home inventory at ALL-TIME HIGHS, sellers who are willing to accept significantly less than full price offers and are also willing to contribute toward your closing costs, NOW IS THE TIME TO BUY A HOME IN LUTHERVILLE, MARYLAND!

FOR YOUR 100% FREE CONFIDENTIAL FIRST TIME HOME BUYER CONSULTATION,
CONTACT ME DIRECTLY!

FREQUENTLY ASKED QUESTIONS ABOUT THE $8000 FIRST TIME HOME BUYER TAX CREDIT?

Q: How much of a credit will I get for buying a home?

A: 10% of the home price, up to $8,000. As long as you buy a home over $80,000 you are eligible for the full credit (as long as you meet some additional criteria too - see below).

Q: Who is eligible for the $8000 First Time Home Buyer Tax Credit?

A: First Time Home Buyers, or people who have not owned a home in the PAST 3 YEARS.

Q: How does the $8000 First Time Home Buyer Tax Credit Work?

A: It shows up as a credit on your income taxes (when you file them).

Q: Are there any other stipulations to the $8000 First Time Home Buyer Tax Credit?

A: It's for a principal residence only (meaning you must intend to occupy the property), and only for homes purchased in 2009. If you make more than $75,000 a year (or $150,000 jointly) the credit is less and at higher incomes it phases to zero.

Q: What are you waiting for?

A: I don't know, all you need to do is give me a call today BEFORE IT'S TOO LATE!

Like any good thing, the $8000 First Time Home Buyer Tax Credit for First Time Home Buyers looking to buy a home in Lutherville, Maryland will NOT last forever. In addition to the rules stated above in the Q&A section there are a few more: You have to purchase by DECEMBER 1, 2009 (and be settled before that date), and live in the home as your principal or primary residence for at least 3 years. You should also ask your tax advisor for details on how this new law affects you and your personal situation.

IF YOU HAVE ANY FURTHER QUESTIONS, FEEL FREE TO CONTACT ME PERSONALLY (VIA CELL PHONE 410-236-3331 or DIRECTLY FROM MY WEBSITE WWW.ISELLMDHOMES.COM) AND I WILL DO MY BEST TO ANSWER THEM FOR YOU OR PUT YOU IN TOUCH WITH SOMEONE WHO CAN!

"IF I WAS A FIRST TIME HOME BUYER I WOULD DEFINITELY BE BUYING A HOME BEFORE DECEMBER 1, 2009 TO TAKE ADVANTAGE OF THIS UNPRECEDENTED TAX CREDIT! DON'T MISS THIS AMAZING OPPORTUNITY THAT THE GOVERNMENT IS GIVING TO YOU!"
- Michael D. Klijanowicz

I have already personally helped several first time home buyers this year SAVE THOUSANDS OF DOLLARS in the form of lower than listed sale prices as well as significant seller contributions towards their settlement costs. When you add in this amazing $8000 tax credit that they will get too, you are talking about a lot of money being saved. Owning a home in Lutherville, Maryland is really a lot more affordable than you think. For your 100% FREE PERSONAL CONSULTATION, CONTACT ME DIRECTLY! I would be more than happy to set up a time convenient for you to meet and discuss all of your home buying options. Stop throwing your hard earned money away on rent. Together, we can make your dreams of home ownership a reality!

I LOOK FORWARD TO HEARING FROM YOU SOON!!!!!!!

P.S. MAKE SURE TO SHARE THIS INFORMATION WITH ANYONE ELSE THAT YOU KNOW WHO MAY BENEFIT FROM IT!

Thinking about purchasing or refinancing a Baltimore County or Harford County Home soon? Then CLICK HERE TO GET ALL OF THE MORTGAGE INFORMATION THAT YOU COULD EVER NEED ONLINE! While there you can view home ownership guides, home buying tools, refinancing tools, view and use interactive interest rate calculators, SIGN UP FOR INTEREST RATE ALERTS SO YOU ARE NOTIFIED AS SOON AS THE RATE YOU NEED IS AVAILABLE, and you can even GET APPROVED ONLINE!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Towson, MD First Time Buyers $8000 Tax Credit Information

Sat, 21 Mar 2009 21:37:44 -0500

ATTENTION

FIRST TIME HOME BUYERS IN TOWSON, MARYLAND

ACT NOW AND GET UP TO $8000 BACK!!!!!

If you are a Towson, Maryland First Time Home Buyer (or know someone else who will be), NOW IS A GREAT TIME TO BUY A HOME! The enhanced first time home buyer tax credit stimulus makes it easier and more affordable than ever to buy your first home - through a tax credit of up to $8,000 in government incentives as a part of the economic stimulus plan that was just passed and enacted into law by Congress. Couple that with Mortgage Rates at ALL-TIME LOWS, choices of existing home inventory at ALL-TIME HIGHS, sellers who are willing to accept significantly less than full price offers and are also willing to contribute toward your closing costs, NOW IS THE TIME TO BUY A HOME IN TOWSON, MARYLAND!

FOR YOUR 100% FREE CONFIDENTIAL FIRST TIME HOME BUYER CONSULTATION,
CONTACT ME DIRECTLY!

FREQUENTLY ASKED QUESTIONS ABOUT THE $8000 FIRST TIME HOME BUYER TAX CREDIT?

Q: How much of a credit will I get for buying a home?

A: 10% of the home price, up to $8,000. As long as you buy a home over $80,000 you are eligible for the full credit (as long as you meet some additional criteria too - see below).

Q: Who is eligible for the $8000 First Time Home Buyer Tax Credit?

A: First Time Home Buyers, or people who have not owned a home in the PAST 3 YEARS.

Q: How does the $8000 First Time Home Buyer Tax Credit Work?

A: It shows up as a credit on your income taxes (when you file them).

Q: Are there any other stipulations to the $8000 First Time Home Buyer Tax Credit?

Q: What are you waiting for?

A: I don't know, all you need to do is give me a call today BEFORE IT'S TOO LATE!

Like any good thing, the $8000 First Time Home Buyer Tax Credit for First Time Home Buyers looking to buy a home in Towson, Maryland will NOT last forever. In addition to the rules stated above in the Q&A section there are a few more: You have to purchase by DECEMBER 1, 2009 (and be settled before that date), and live in the home as your principal or primary residence for at least 3 years. You should also ask your tax advisor for details on how this new law affects you and your personal situation.

I have already personally helped several first time home buyers this year SAVE THOUSANDS OF DOLLARS in the form of lower than listed sale prices as well as significant seller contributions towards their settlement costs. When you add in this amazing $8000 tax credit that they will get too, you are talking about a lot of money being saved. Owning a home in Towson, Maryland is really a lot more affordable than you think. For your 100% FREE PERSONAL CONSULTATION, CONTACT ME DIRECTLY! I would be more than happy to set up a time convenient for you to meet and discuss all of your home buying options. Stop throwing your hard earned money away on rent. Together, we can make your dreams of home ownership a reality!

I LOOK FORWARD TO HEARING FROM YOU SOON!!!!!!!

P.S. MAKE SURE TO SHARE THIS INFORMATION WITH ANYONE ELSE THAT YOU KNOW WHO MAY BENEFIT FROM IT!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

White Marsh, MD First Time Home Buyers $8000 Tax Credit Information

Sat, 21 Mar 2009 19:18:29 -0500

ATTENTION

FIRST TIME HOME BUYERS IN WHITE MARSH, MARYLAND

ACT NOW AND GET UP TO $8000 BACK!!!!!

If you are a White Marsh, Maryland First Time Home Buyer (or know someone else who will be), NOW IS A GREAT TIME TO BUY A HOME! The enhanced first time home buyer tax credit stimulus makes it easier and more affordable than ever to buy your first home - through a tax credit of up to $8,000 in government incentives as a part of the economic stimulus plan that was just passed and enacted into law by Congress. Couple that with Mortgage Rates at ALL-TIME LOWS, choices of existing home inventory at ALL-TIME HIGHS, sellers who are willing to accept significantly less than full price offers and are also willing to contribute toward your closing costs, NOW IS THE TIME TO BUY A HOME IN WHITE MARSH, MARYLAND!

FOR YOUR 100% FREE CONFIDENTIAL FIRST TIME HOME BUYER CONSULTATION,
CONTACT ME DIRECTLY!

FREQUENTLY ASKED QUESTIONS ABOUT THE $8000 FIRST TIME HOME BUYER TAX CREDIT?

Q: How much of a credit will I get for buying a home?

A: 10% of the home price, up to $8,000. As long as you buy a home over $80,000 you are eligible for the full credit (as long as you meet some additional criteria too - see below).

Q: Who is eligible for the $8000 First Time Home Buyer Tax Credit?

A: First Time Home Buyers, or people who have not owned a home in the PAST 3 YEARS.

Q: How does the $8000 First Time Home Buyer Tax Credit Work?

A: It shows up as a credit on your income taxes (when you file them).

Q: Are there any other stipulations to the $8000 First Time Home Buyer Tax Credit?

Q: What are you waiting for?

A: I don't know, all you need to do is give me a call today BEFORE IT'S TOO LATE!

Like any good thing, the $8000 First Time Home Buyer Tax Credit for First Time Home Buyers looking to buy a home in White Marsh, Maryland will NOT last forever. In addition to the rules stated above in the Q&A section there are a few more: You have to purchase by DECEMBER 1, 2009 (and be settled before that date), and live in the home as your principal or primary residence for at least 3 years. You should also ask your tax advisor for details on how this new law affects you and your personal situation.

I have already personally helped several first time home buyers this year SAVE THOUSANDS OF DOLLARS in the form of lower than listed sale prices as well as significant seller contributions towards their settlement costs. When you add in this amazing $8000 tax credit that they will get too, you are talking about a lot of money being saved. Owning a home in White Marsh, Maryland is really a lot more affordable than you think. For your 100% FREE PERSONAL CONSULTATION, CONTACT ME DIRECTLY! I would be more than happy to set up a time convenient for you to meet and discuss all of your home buying options. Stop throwing your hard earned money away on rent. Together, we can make your dreams of home ownership a reality!

I LOOK FORWARD TO HEARING FROM YOU SOON!!!!!!!

P.S. MAKE SURE TO SHARE THIS INFORMATION WITH ANYONE ELSE THAT YOU KNOW WHO MAY BENEFIT FROM IT!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Rosedale, MD First Time Home Buyers $8000 Tax Credit Information

Sat, 21 Mar 2009 19:13:53 -0500

ATTENTION

FIRST TIME HOME BUYERS IN ROSEDALE, MARYLAND

ACT NOW AND GET UP TO $8000 BACK!!!!!

If you are a Rosedale, Maryland First Time Home Buyer (or know someone else who will be), NOW IS A GREAT TIME TO BUY A HOME! The enhanced first time home buyer tax credit stimulus makes it easier and more affordable than ever to buy your first home - through a tax credit of up to $8,000 in government incentives as a part of the economic stimulus plan that was just passed and enacted into law by Congress. Couple that with Mortgage Rates at ALL-TIME LOWS, choices of existing home inventory at ALL-TIME HIGHS, sellers who are willing to accept significantly less than full price offers and are also willing to contribute toward your closing costs, NOW IS THE TIME TO BUY A HOME IN ROSEDALE, MARYLAND!

FOR YOUR 100% FREE CONFIDENTIAL FIRST TIME HOME BUYER CONSULTATION,
CONTACT ME DIRECTLY!

FREQUENTLY ASKED QUESTIONS ABOUT THE $8000 FIRST TIME HOME BUYER TAX CREDIT?

Q: How much of a credit will I get for buying a home?

A: 10% of the home price, up to $8,000. As long as you buy a home over $80,000 you are eligible for the full credit (as long as you meet some additional criteria too - see below).

Q: Who is eligible for the $8000 First Time Home Buyer Tax Credit?

A: First Time Home Buyers, or people who have not owned a home in the PAST 3 YEARS.

Q: How does the $8000 First Time Home Buyer Tax Credit Work?

A: It shows up as a credit on your income taxes (when you file them).

Q: Are there any other stipulations to the $8000 First Time Home Buyer Tax Credit?

Q: What are you waiting for?

A: I don't know, all you need to do is give me a call today BEFORE IT'S TOO LATE!

Like any good thing, the $8000 First Time Home Buyer Tax Credit for First Time Home Buyers looking to buy a home in Rosedale, Maryland will NOT last forever. In addition to the rules stated above in the Q&A section there are a few more: You have to purchase by DECEMBER 1, 2009 (and be settled before that date), and live in the home as your principal or primary residence for at least 3 years. You should also ask your tax advisor for details on how this new law affects you and your personal situation.

I have already personally helped several first time home buyers this year SAVE THOUSANDS OF DOLLARS in the form of lower than listed sale prices as well as significant seller contributions towards their settlement costs. When you add in this amazing $8000 tax credit that they will get too, you are talking about a lot of money being saved. Owning a home in Rosedale, Maryland is really a lot more affordable than you think. For your 100% FREE PERSONAL CONSULTATION, CONTACT ME DIRECTLY! I would be more than happy to set up a time convenient for you to meet and discuss all of your home buying options. Stop throwing your hard earned money away on rent. Together, we can make your dreams of home ownership a reality!

I LOOK FORWARD TO HEARING FROM YOU SOON!!!!!!!

P.S. MAKE SURE TO SHARE THIS INFORMATION WITH ANYONE ELSE THAT YOU KNOW WHO MAY BENEFIT FROM IT!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Parkville, MD First Time Home Buyers $8000 Tax Credit Information

Sat, 21 Mar 2009 19:09:45 -0500

ATTENTION

FIRST TIME HOME BUYERS IN PARKVILLE, MARYLAND

ACT NOW AND GET UP TO $8000 BACK!!!!!

If you are a Parkville, Maryland First Time Home Buyer (or know someone else who will be), NOW IS A GREAT TIME TO BUY A HOME! The enhanced first time home buyer tax credit stimulus makes it easier and more affordable than ever to buy your first home - through a tax credit of up to $8,000 in government incentives as a part of the economic stimulus plan that was just passed and enacted into law by Congress. Couple that with Mortgage Rates at ALL-TIME LOWS, choices of existing home inventory at ALL-TIME HIGHS, sellers who are willing to accept significantly less than full price offers and are also willing to contribute toward your closing costs, NOW IS THE TIME TO BUY A HOME IN PARKVILLE, MARYLAND!

FOR YOUR 100% FREE CONFIDENTIAL FIRST TIME HOME BUYER CONSULTATION,
CONTACT ME DIRECTLY!

FREQUENTLY ASKED QUESTIONS ABOUT THE $8000 FIRST TIME HOME BUYER TAX CREDIT?

Q: How much of a credit will I get for buying a home?

A: 10% of the home price, up to $8,000. As long as you buy a home over $80,000 you are eligible for the full credit (as long as you meet some additional criteria too - see below).

Q: Who is eligible for the $8000 First Time Home Buyer Tax Credit?

A: First Time Home Buyers, or people who have not owned a home in the PAST 3 YEARS.

Q: How does the $8000 First Time Home Buyer Tax Credit Work?

A: It shows up as a credit on your income taxes (when you file them).

Q: Are there any other stipulations to the $8000 First Time Home Buyer Tax Credit?

Q: What are you waiting for?

A: I don't know, all you need to do is give me a call today BEFORE IT'S TOO LATE!

Like any good thing, the $8000 First Time Home Buyer Tax Credit for First Time Home Buyers looking to buy a home in Parkville, Maryland will NOT last forever. In addition to the rules stated above in the Q&A section there are a few more: You have to purchase by DECEMBER 1, 2009 (and be settled before that date), and live in the home as your principal or primary residence for at least 3 years. You should also ask your tax advisor for details on how this new law affects you and your personal situation.

I have already personally helped several first time home buyers this year SAVE THOUSANDS OF DOLLARS in the form of lower than listed sale prices as well as significant seller contributions towards their settlement costs. When you add in this amazing $8000 tax credit that they will get too, you are talking about a lot of money being saved. Owning a home in Parkville, Maryland is really a lot more affordable than you think. For your 100% FREE PERSONAL CONSULTATION, CONTACT ME DIRECTLY! I would be more than happy to set up a time convenient for you to meet and discuss all of your home buying options. Stop throwing your hard earned money away on rent. Together, we can make your dreams of home ownership a reality!

I LOOK FORWARD TO HEARING FROM YOU SOON!!!!!!!

P.S. MAKE SURE TO SHARE THIS INFORMATION WITH ANYONE ELSE THAT YOU KNOW WHO MAY BENEFIT FROM IT!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Nottingham, Maryland First Time Home Buyers $8000 Tax Credit Information

Sat, 21 Mar 2009 19:04:35 -0500

ATTENTION

FIRST TIME HOME BUYERS IN NOTTINGHAM, MARYLAND

ACT NOW AND GET UP TO $8000 BACK!!!!!

If you are a Nottingham, Maryland First Time Home Buyer (or know someone else who will be), NOW IS A GREAT TIME TO BUY A HOME! The enhanced first time home buyer tax credit stimulus makes it easier and more affordable than ever to buy your first home - through a tax credit of up to $8,000 in government incentives as a part of the economic stimulus plan that was just passed and enacted into law by Congress. Couple that with Mortgage Rates at ALL-TIME LOWS, choices of existing home inventory at ALL-TIME HIGHS, sellers who are willing to accept significantly less than full price offers and are also willing to contribute toward your closing costs, NOW IS THE TIME TO BUY A HOME IN NOTTINGHAM, MARYLAND!

FOR YOUR 100% FREE CONFIDENTIAL FIRST TIME HOME BUYER CONSULTATION,
CONTACT ME DIRECTLY!

FREQUENTLY ASKED QUESTIONS ABOUT THE $8000 FIRST TIME HOME BUYER TAX CREDIT?

Q: How much of a credit will I get for buying a home?

A: 10% of the home price, up to $8,000. As long as you buy a home over $80,000 you are eligible for the full credit (as long as you meet some additional criteria too - see below).

Q: Who is eligible for the $8000 First Time Home Buyer Tax Credit?

A: First Time Home Buyers, or people who have not owned a home in the PAST 3 YEARS.

Q: How does the $8000 First Time Home Buyer Tax Credit Work?

A: It shows up as a credit on your income taxes (when you file them).

Q: Are there any other stipulations to the $8000 First Time Home Buyer Tax Credit?

Q: What are you waiting for?

A: I don't know, all you need to do is give me a call today BEFORE IT'S TOO LATE!

Like any good thing, the $8000 First Time Home Buyer Tax Credit for First Time Home Buyers looking to buy a home in Nottingham, Maryland will NOT last forever. In addition to the rules stated above in the Q&A section there are a few more: You have to purchase by DECEMBER 1, 2009 (and be settled before that date), and live in the home as your principal or primary residence for at least 3 years. You should also ask your tax advisor for details on how this new law affects you and your personal situation.

I have already personally helped several first time home buyers this year SAVE THOUSANDS OF DOLLARS in the form of lower than listed sale prices as well as significant seller contributions towards their settlement costs. When you add in this amazing $8000 tax credit that they will get too, you are talking about a lot of money being saved. Owning a home in Nottingham, Maryland is really a lot more affordable than you think. For your 100% FREE PERSONAL CONSULTATION, CONTACT ME DIRECTLY! I would be more than happy to set up a time convenient for you to meet and discuss all of your home buying options. Stop throwing your hard earned money away on rent. Together, we can make your dreams of home ownership a reality!

I LOOK FORWARD TO HEARING FROM YOU SOON!!!!!!!

P.S. MAKE SURE TO SHARE THIS INFORMATION WITH ANYONE ELSE THAT YOU KNOW WHO MAY BENEFIT FROM IT!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Perry Hall, MD First Time Home Buyers $8000 Tax Credit Information

Sat, 21 Mar 2009 18:58:36 -0500

ATTENTION

FIRST TIME HOME BUYERS IN PERRY HALL, MARYLAND

ACT NOW AND GET UP TO $8000 BACK!!!!!

If you are a Perry Hall, Maryland First Time Home Buyer (or know someone else who will be), NOW IS A GREAT TIME TO BUY A HOME! The enhanced first time home buyer tax credit stimulus makes it easier and more affordable than ever to buy your first home - through a tax credit of up to $8,000 in government incentives as a part of the economic stimulus plan that was just passed and enacted into law by Congress. Couple that with Mortgage Rates at ALL-TIME LOWS, choices of existing home inventory at ALL-TIME HIGHS, sellers who are willing to accept significantly less than full price offers and are also willing to contribute toward your closing costs, NOW IS THE TIME TO BUY A HOME IN MARYLAND!

FOR YOUR 100% FREE CONFIDENTIAL FIRST TIME HOME BUYER CONSULTATION,
CONTACT ME DIRECTLY!

FREQUENTLY ASKED QUESTIONS ABOUT THE $8000 FIRST TIME HOME BUYER TAX CREDIT?

Q: How much of a credit will I get for buying a home?

A: 10% of the home price, up to $8,000. As long as you buy a home over $80,000 you are eligible for the full credit (as long as you meet some additional criteria too - see below).

Q: Who is eligible for the $8000 First Time Home Buyer Tax Credit?

A: First Time Home Buyers, or people who have not owned a home in the PAST 3 YEARS.

Q: How does the $8000 First Time Home Buyer Tax Credit Work?

A: It shows up as a credit on your income taxes (when you file them).

Q: Are there any other stipulations to the $8000 First Time Home Buyer Tax Credit?

Q: What are you waiting for?

A: I don't know, all you need to do is give me a call today BEFORE IT'S TOO LATE!

Like any good thing, the $8000 First Time Home Buyer Tax Credit for First Time Home Buyers looking to buy a home in Perry Hall, Maryland will NOT last forever. In addition to the rules stated above in the Q&A section there are a few more: You have to purchase by DECEMBER 1, 2009 (and be settled before that date), and live in the home as your principal or primary residence for at least 3 years. You should also ask your tax advisor for details on how this new law affects you and your personal situation.

I have already personally helped several first time home buyers this year SAVE THOUSANDS OF DOLLARS in the form of lower than listed sale prices as well as significant seller contributions towards their settlement costs. When you add in this amazing $8000 tax credit that they will get too, you are talking about a lot of money being saved. Owning a home in Perry Hall, Maryland is really a lot more affordable than you think. For your 100% FREE PERSONAL CONSULTATION, CONTACT ME DIRECTLY! I would be more than happy to set up a time convenient for you to meet and discuss all of your home buying options. Stop throwing your hard earned money away on rent. Together, we can make your dreams of home ownership a reality!

I LOOK FORWARD TO HEARING FROM YOU SOON!!!!!!!

P.S. MAKE SURE TO SHARE THIS INFORMATION WITH ANYONE ELSE THAT YOU KNOW WHO MAY BENEFIT FROM IT!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Maryland First Time Home Buyers $8000 Tax Credit Information

Mon, 16 Mar 2009 21:17:06 -0500

ATTENTION

FIRST TIME HOME BUYERS IN MARYLAND

ACT NOW AND GET UP TO $8000 BACK!!!!!

If you are a Maryland First Time Home Buyer (or know someone else who will be), NOW IS A GREAT TIME TO BUY A HOME! The enhanced first time home buyer tax credit stimulus makes it easier and more affordable than ever to buy your first home - through a tax credit of up to $8,000 in government incentives as a part of the economic stimulus plan that was just passed and enacted into law by Congress. Couple that with Mortgage Rates at ALL-TIME LOWS, choices of existing home inventory at ALL-TIME HIGHS, sellers who are willing to accept significantly less than full price offers and are also willing to contribute toward your closing costs, NOW IS THE TIME TO BUY A HOME IN MARYLAND!

FOR YOUR 100% FREE CONFIDENTIAL FIRST TIME HOME BUYER CONSULTATION,
CONTACT ME DIRECTLY!

FREQUENTLY ASKED QUESTIONS ABOUT THE $8000 FIRST TIME HOME BUYER TAX CREDIT?

Q: How much of a credit will I get for buying a home?

A: 10% of the home price, up to $8,000. As long as you buy a home over $80,000 you are eligible for the full credit (as long as you meet some additional criteria too - see below).

Q: Who is eligible for the $8000 First Time Home Buyer Tax Credit?

A: First Time Home Buyers, or people who have not owned a home in the PAST 3 YEARS.

Q: How does the $8000 First Time Home Buyer Tax Credit Work?

A: It shows up as a credit on your income taxes (when you file them).

Q: Are there any other stipulations to the $8000 First Time Home Buyer Tax Credit?

Q: What are you waiting for?

A: I don't know, all you need to do is give me a call today BEFORE IT'S TOO LATE!

Like any good thing, the $8000 First Time Home Buyer Tax Credit for First Time Home Buyers looking to buy a home in Maryland will NOT last forever. In addition to the rules stated above in the Q&A section there are a few more: You have to purchase by DECEMBER 1, 2009 (and be settled by that date), and live in the home as your principal or primary residence for at least 3 years. You should also ask your tax advisor for details on how this new law affects you and your personal situation.

I have already personally helped several first time home buyers this year SAVE THOUSANDS OF DOLLARS in the form of lower than listed sale prices as well as significant seller contributions towards their settlement costs. When you add in this amazing $8000 tax credit that they will get too, you are talking about a lot of money being saved. Owning a home in Maryland is really a lot more affordable than you think. For your 100% FREE PERSONAL CONSULTATION, CONTACT ME DIRECTLY! I would be more than happy to set up a time convenient for you to meet and discuss all of your home buying options. Stop throwing your hard earned money away on rent. Together, we can make your dreams of home ownership a reality!

I LOOK FORWARD TO HEARING FROM YOU SOON!!!!!!!

P.S. MAKE SURE TO SHARE THIS INFORMATION WITH ANYONE ELSE THAT YOU KNOW WHO MAY BENEFIT FROM IT!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Baltimore County First Time Home Buyer $8000 Tax Credit Information - Maryland

Mon, 16 Mar 2009 21:10:55 -0500

ATTENTION

FIRST TIME HOME BUYERS IN BALTIMORE COUNTY MARYLAND

ACT NOW AND GET UP TO $8000 BACK!!!!!

If you are a Baltimore County Maryland First Time Home Buyer (or know someone else who will be), NOW IS A GREAT TIME TO BUY A HOME! The enhanced first time home buyer tax credit stimulus makes it easier and more affordable than ever to buy your first home - through a tax credit of up to $8,000 in government incentives as a part of the economic stimulus plan that was just passed and enacted into law by Congress. Couple that with Mortgage Rates at ALL-TIME LOWS, choices of existing home inventory at ALL-TIME HIGHS, sellers who are willing to accept significantly less than full price offers and are also willing to contribute toward your closing costs, NOW IS THE TIME TO BUY A HOME IN BALTIMORE COUNTY MARYLAND!

FOR YOUR 100% FREE CONFIDENTIAL FIRST TIME HOME BUYER CONSULTATION,
CONTACT ME DIRECTLY!

FREQUENTLY ASKED QUESTIONS ABOUT THE $8000 FIRST TIME HOME BUYER TAX CREDIT?

Q: How much of a credit will I get for buying a home?

A: 10% of the home price, up to $8,000. As long as you buy a home over $80,000 you are eligible for the full credit (as long as you meet some additional criteria too - see below).

Q: Who is eligible for the $8000 First Time Home Buyer Tax Credit?

A: First Time Home Buyers, or people who have not owned a home in the PAST 3 YEARS.

Q: How does the $8000 First Time Home Buyer Tax Credit Work?

A: It shows up as a credit on your income taxes (when you file them).

Q: Are there any other stipulations to the $8000 First Time Home Buyer Tax Credit?

Q: What are you waiting for?

A: I don't know, all you need to do is give me a call today BEFORE IT'S TOO LATE!

Like any good thing, the $8000 First Time Home Buyer Tax Credit for First Time Home Buyers looking to buy a home in Baltimore County Maryland will NOT last forever. In addition to the rules stated above in the Q&A section there are a few more: You have to purchase by DECEMBER 1, 2009 (and be settled by that date), and live in the home as your principal or primary residence for at least 3 years. You should also ask your tax advisor for details on how this new law affects you and your personal situation.

I have already personally helped several first time home buyers this year SAVE THOUSANDS OF DOLLARS in the form of lower than listed sale prices as well as significant seller contributions towards their settlement costs. When you add in this amazing $8000 tax credit that they will get too, you are talking about a lot of money being saved. Owning a home in Baltimore County Maryland is really a lot more affordable than you think. For your 100% FREE PERSONAL CONSULTATION, CONTACT ME DIRECTLY! I would be more than happy to set up a time convenient for you to meet and discuss all of your home buying options. Stop throwing your hard earned money away on rent. Together, we can make your dreams of home ownership a reality!

I LOOK FORWARD TO HEARING FROM YOU SOON!!!!!!!

P.S. MAKE SURE TO SHARE THIS INFORMATION WITH ANYONE ELSE THAT YOU KNOW WHO MAY BENEFIT FROM IT!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

First Time Home Buyer $8000 Tax Credit - Harford County - Maryland - INFORMATION

Mon, 16 Mar 2009 20:35:09 -0500

ATTENTION

FIRST TIME HOME BUYERS IN HARFORD COUNTY MARYLAND

ACT NOW AND GET UP TO $8000 BACK!!!!!

If you are a Harford County Maryland First Time Home Buyer (or know someone else who will be), NOW IS A GREAT TIME TO BUY A HOME! The enhanced first time home buyer tax credit stimulus makes it easier and more affordable than ever to buy your first home - through a tax credit of up to $8,000 in government incentives as a part of the economic stimulus plan that was just passed and enacted into law by Congress. Couple that with Mortgage Rates at ALL-TIME LOWS, choices of existing home inventory at ALL-TIME HIGHS, sellers who are willing to accept significantly less than full price offers and are also willing to contribute toward your closing costs, NOW IS THE TIME TO BUY A HOME IN HARFORD COUNTY MARYLAND!

FOR YOUR 100% FREE CONFIDENTIAL FIRST TIME HOME BUYER CONSULTATION,
CONTACT ME DIRECTLY!

FREQUENTLY ASKED QUESTIONS ABOUT THE $8000 FIRST TIME HOME BUYER TAX CREDIT?

Q: How much of a credit will I get for buying a home?

A: 10% of the home price, up to $8,000. As long as you buy a home over $80,000 you are eligible for the full credit (as long as you meet some additional criteria too - see below).

Q: Who is eligible for the $8000 First Time Home Buyer Tax Credit?

A: First Time Home Buyers, or people who have not owned a home in the PAST 3 YEARS.

Q: How does the $8000 First Time Home Buyer Tax Credit Work?

A: It shows up as a credit on your income taxes (when you file them).

Q: Are there any other stipulations to the $8000 First Time Home Buyer Tax Credit?

Q: What are you waiting for?

A: I don't know, all you need to do is give me a call today BEFORE IT'S TOO LATE!

Like any good thing, the $8000 First Time Home Buyer Tax Credit for First Time Home Buyers looking to buy a home in Harford County Maryland will NOT last forever. In addition to the rules stated above in the Q&A section there are a few more: You have to purchase by DECEMBER 1, 2009 (and be settled by that date), and live in the home as your principal or primary residence for at least 3 years. You should also ask your tax advisor for details on how this new law affects you and your personal situation.

I have already personally helped several first time home buyers this year SAVE THOUSANDS OF DOLLARS in the form of lower than listed sale prices as well as significant seller contributions towards their settlement costs. When you add in this amazing $8000 tax credit that they will get too, you are talking about a lot of money being saved. Owning a home in Harford County Maryland is really a lot more affordable than you think. For your 100% FREE PERSONAL CONSULTATION, CONTACT ME DIRECTLY! I would be more than happy to set up a time convenient for you to meet and discuss all of your home buying options. Stop throwing your hard earned money away on rent. Together, we can make your dreams of home ownership a reality!

I LOOK FORWARD TO HEARING FROM YOU SOON!!!!!!!

P.S. MAKE SURE TO SHARE THIS INFORMATION WITH ANYONE ELSE THAT YOU KNOW WHO MAY BENEFIT FROM IT!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

CHECK YOUR TIRE PRESSURE! This is a REMINDER!

Sun, 22 Feb 2009 13:53:35 -0600

Since most real estate agents do a lot of driving in conducting their business, I thought it would be good to remind EVERYONE to check your tire pressure in your cars. The reason I thought of it is because I was out with a buyer this past week and they told me my tire looked a little low and when I checked it along with all of the others I WAS SHOCKED! ALL of my tires were about half what they were supposed to be according to the sticker on the side of my car. I have a newer 2007 Honda Accord and have been taking it to the dealer to get the oil changes and just assumed that they were also checking the tire pressure. Well, you know what they say when you ASSume things.

This is not only about GAS MILEAGE, but is also more importantly about SAFETY! Check your tire pressure today before your next road trip and you may be surprised at what you find...

No More Tape Measures!

Sat, 21 Feb 2009 21:54:02 -0600

Since my tape measure broke yesterday evening when I was measuring some final things in my basement before the contractors came over this morning IT BROKE! Since I have 4 NEW Listings coming up very soon, I knew I needed to act quickly to get a new one....

What I found was AWESOME! For about $25.00 at Lowes, I found a laser measurer and all you have to do is point it and click the button and it gives you a measurement. I will be able to measure out these homes faster than ever!

Just wanted to pass this along to those at AR who also measure their listings...

JUST LISTED - 3401 Upton Road, Parkville, MD 21234 - IN-GROUND POOL! - Baltimore County Real Estate For Sale

Tue, 17 Feb 2009 19:55:43 -0600

Are you looking for a single family home at a town home price with an IN GROUND POOL in Parkville (Baltimore County), Maryland? If so, consider giving me a call to set up your appointment to view this wonderful home!

3401 Upton Road
Parkville, MD 21234

SINGLE FAMILY HOMES FOR SALE IN PARKVILLE, MARYLAND LISTED EXCLUSIVELY BY
Michael D. Klijanowicz (Agent with Long and Foster Real Estate, Inc.)

OFFERED AT $279,900

DESCRIPTION: COMPLETELY UPDATED WITH IN-GROUND POOL! This home is loaded with updates including: NEW Flooring (Carpet & Tile), New A/C Unit-2009, NEW Furnace-2009, NEW Roof-2006, FRESHLY PAINTED INSIDE & OUT, NEW Pool Liner-2006, Updated Electric thruout, NEWER Appliances, & MORE! Don't forget about your Gorgeous Glass Enclosed 3 Season Sunroom leading to your Backyard Oasis with your HUGE In-Ground Pool & surrounding concrete patio. ACT NOW & YOU CAN BE IN BY POOL SEASON! And Don't forget to view the VIRTUAL TOUR and MANY EXTRA PICTURES!

CLICK HERE TO VIEW MORE PHOTOS AND A VIRTUAL TOUR OF THIS PROPERTY!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

Paying Off Your Mortgage FAST! - How do you do it?

Sat, 14 Feb 2009 19:15:20 -0600

I know it is easier said than done, but if you can just make one extra payment per year on your mortgage you will save incredible amounts of money in interest and knock several years off of your loan in the process. But, how do you get the money to make the extra payment?

Many of today's lenders will let you enroll into an automatic bi-weekly withdraw program where they withdraw every two weeks half of your mortgage payment. For those of you who get paid bi-weekly you already know that that equals two extra payments each year or in this case two more half mortgage payments totalling one whole mortgage payment.

Another suggestion that I also make to most of my clients (at least the ones who are not self employed and pay quarterly taxes and ALWAYS owe at the end of the year like me) that they take half of the tax money that they get back each year and apply it right back to the principle of their mortgage. I know it takes discipline, but if done on a consistent yearly basis, you could save a ton of interest and knock as many as 10+ years off of your mortgage.

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT

NUTRISYSTEM DIET - UPDATE FOR MY SECOND WEEK!

Sat, 14 Feb 2009 18:42:28 -0600

I am almost done my second full week since beginning the Nutrisystem Plan and still can't believe the results. I am down 14 pounds and in clothes that I haven't seen in a while. Soon I will need to get a whole new wardrobe. For those of you thinking about starting a diet that have a hectic schedule and are a total type A personality like me, it is the best plan that I have found. They even deliver the food to your door. I also have more energy and feel absolutely amazing. THANKS AGAIN TO MY WIFE FOR JUST GOING AHEAD AND ORDERING IT!

HAPPY VALENTINES DAY TO EVERYONE!

Sat, 14 Feb 2009 18:36:54 -0600

I just wanted to take a quick minute and wish EVERYONE a HAPPY VALENTINES DAY! It seems to me that this is when we all need to get ready for the spring buyers that will be starting to call soon. Relax and Enjoy the day off while you have it. If this Stimulus thing passes soon, I think we will see that boom that I was predicting earlier this year, so get ready!

HAPPY VALENTINES DAY!!!!

JUST LISTED 6314 Elinore Avenue, Baltimore MD 21206 - COMPLETELY UPDATED THROUGHOUT

Sat, 14 Feb 2009 18:30:58 -0600

Are you looking for a single family home at a town home price in Overlea, Maryland? If so, consider giving me a call to set up your appointment to view this wonderful home!

6314 Elinore Avenue
Baltimore, MD 21206

SINGLE FAMILY HOMES FOR SALE IN OVERLEA, MARYLAND LISTED EXCLUSIVELY BY
Michael D. Klijanowicz (Agent with Long and Foster Real Estate, Inc.)

OFFERED AT $210,000

DESCRIPTION: COMPLETELY UPDATED THROUGHOUT! Freshly Painted, Updated Kitchen with NEW Appliances, NEW Cabinets, Limestone Flooring, and Custom Copper Backsplash, NEWER Replacement Double Hung Windows, NEW Furnace & A/C 2005, Custom Blinds & Drapes, Updated Baths with Ceramic Tiled Flooring, Updated Electric, Newer Washer & Dryer, New Lighting Fixtures, New Doors, Professionally Landscaped & Decorated, Huge Fully Fenced in Yard with Custom Paver Patio & Shed, Fully Finished Basement & MORE! And Don't forget to view the VIRTUAL TOUR and MANY EXTRA PICTURES !

CLICK HERE TO VIEW MORE PHOTOS AND A VIRTUAL TOUR OF THIS PROPERTY!

FOR MUCH MORE INFORMATION ABOUT REAL ESTATE IN MARYLAND VISIT