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Credit Repositories
Experian Equifax Trans Union
P. O. Box 2002 P.O. Box 740241 P.O. Box 1000
Allen, TX 75013 Atlanta , GA 30374-0241 Chester, PA 19022
Tel: 888-397-3742 Tel. 800-685-1111 Tel. 800-888-4213
www.experian.com www.equifax.com www.transunion.com
Examples of acceptable documentation include:
oCreditor Letters - must include ALL of the following:
-Letterhead of the creditor
-Account number
-Consumer's name
-Creditor contact name and phone number
-An explanation explicitly stating what needs to be done with the account
oProperly recorded public records such as:
-Certified satisfaction of judgment from the court
-Certified tax lien release from the IRS
-Certified bankruptcy discharge papers from the court
-Any other legal documents that may support the borrower's claim
-Other written correspondence with contact name
Examples of documents that they will not accept:
oCanceled checks
oReceipts for money orders
oAccount Statements
oHand-written letters
oThird party documentation
To BUY a home in today's market meeting with your lender first will save you and your Realtor time and give you the competitive edge you will need to have an acceptable offer.

First Saturday - Fire in Ice
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Saturday, February 4, 2012 • 5:00 PM – 9:00 PM
Downtown Frederick Frederick, MD 21701
Sparkling ice sculptures, live ice carving demonstrations, an interactive ice playground, marshmallow roasting stations, free hot cocoa and more await in Downtown Frederick. Enjoy an evening of exhibit openings, guest artists & live entertainment designed to showcase the best of Downtown Frederick the First Saturday of every month. More than 80 shops, galleries and restaurants are open until 9pm or later.
Click here to see the brochure!
Ice sculptures can be found in the following locations on February First Saturday:
CARROLL STREET Two Paws Up │ 15 S Carroll
CARROLL (HAPPY) CREEK The Wine Kitchen │ 50 Carroll Creek Way The Greene Turtle │ 50 Citizen’s Way Mainstreet Development │ 50 Carroll Creek Way Macintosh Realtors │ 50 Carroll Creek Way
EAST STREET Accents │ 122 N East Flights of Fancy │ 20 N East Frederick Basket Company │ 12 N East The Little Pottery Shop │ 117 N East
MARKET STREET AOPA │ 228 N Market Alicia L │ 149 N Market BB&T │ 1 N Market Brewer’s Alley │ 124 N Market Bushwaller’s │ 209 N Market Classic Cigars & British Goodies │ 14 N Market DARCARS │ 30 N Market Federated Charities │ 22 S Market Firestone’s Market │ 109 N Market Frederick Coin Exchange │ 25 N Market Isabella’s Taverna & Tapas Bar │ 44 N Market La Paz │ 51 S Market McGuire’s Fine Arts │ 110 N Market Mid-Atlantic Clinic of Chiropractic │ 154 N Market The Muse │ 19 N Market Pretzel & Pizza Creations │ 210 N Market The Trail House │ 17 S Market Velvet Lounge │ 203 N Market VISIONS │ 16 N Market Voila! │ 10 N Market VOLT │ 228 N Market
PATRICK STREET Amber Coast │ 3 E Patrick Chic to Chic │ 30 E Patrick Dream House │ 102 E Patrick Easels in Frederick │ 20 W Patrick Ec’clectibles │ 13 E Patrick Fabulous Finds │ 24 E Patrick Flowers by Jim │ 112 E Patrick Home Essentials │ 38 E Patrick Salvaged │ 29 E Patrick Urban Cottage │ 107 E Patrick
OTHER ACTIVITIES Live Ice Carving Demonstration @ 124 N Market from 5—9pm Watch as an ice sculptor uses a variety of tools and talent to create a complex ice sculpture in real time
Asian Spring Mini Showcase @ 124 N Market, 6:30pm @ Carroll Creek Trellis 7:15pm Times are approximate
Downtown Daycare The Evangelical Lutheran Church @ 31 E Church will offer babysitting services in the Schaeffer Center from 6—10pm for a flat rate of $10 per child. Money raised will pay for their youth group’s summer trip to the National Youth Gathering.
Marshmallow Roasting @ 50 Carroll Creek Way @ 30 N Market Street @ 20 N East Marshmallows and s’mores stuff will be available at all three stations!
DARCARS Sponsor Station @ 30 N Market Come check out the new Scion iQ, grab some free giveaways, roast a marshmallow and chat with our excellent sponsor, DARCARS Toyota!
Fire Dance Performance @34 S Market Be astounded and amazed! Pyrophoric, a Frederick-based fire dancing troupe, will astonish you with a dynamic spectacle of fire through performance tools such as fire poi, hoop, fans, staff, whip, and orbs. A professional DJ will enhance your enjoyment of this "Art of Fire" performance.
Fire Performance Sponsored by: Ananda Shala Yoga & Pilates Studio & Namaste Massage Studio
- Sponsors:


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Laura Gray | RE/MAX Realty Group | (301) 921-2658 |
128 Gold Kettle Dr, Gaithersburg, MD | | Spacious Towhnouse in North Potomac
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| 4BR/4BA Townhouse
| | offered at $1,675 |
| Year Built | 1970 | | Sq Footage | 1,880 | | Bedrooms | 4 | | Bathrooms | 4 full, 0 partial | | Floors | 3 | | Parking | 1 Uncovered spaces | | Lot Size | 2,001 sqft | | HOA/Maint | $0 per month | DESCRIPTION | Great commuter location, FRESH Paint , Newer carpet, remodeled kitchen and baths. Spacious sun-filled TS kitchen, DR/LR combo with FP and SGD access to backyard.Three BR's and 2 FB's up. Full finished basement w/Rec RM,Laundry rm, BR and FB.Close to the Rio and Rt #370 exchange | | |
| see additional photos below |
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| PROPERTY FEATURES
| - Central A/C |
- Central heat |
- Fireplace |
| - Living room |
- Bonus/Rec room |
- Dining room |
| - Breakfast nook |
- Dishwasher |
- Refrigerator |
| - Stove/Oven |
- Basement |
- Washer |
| - Dryer |
- Laundry area - inside |
- Balcony, Deck, or Patio |
| | COMMUNITY FEATURES
| - Storage space(s) |
- Playground |
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| ADDITIONAL PHOTOS
 Main Exterior |
 Kitchen |
 Kitchen and Bkfst Area |
 Living Room |
 Rec Room |
 Full Bath |
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Contact info: |
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Laura Gray |
RE/MAX Realty Group |
| 322086 |
(301) 921-2658 |
For sale by agent/broker | |
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| Equal Opportunity Housing
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| Posted: Jan 25, 2012, 11:18am PST |
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Laura Gray | RE/MAX Realty Group | lauragray@mris.com | (301) 921-2658 | 8125 48th Avenue #607A, College Park, MD | | CONDO FOR COLLEGE STUDENTS !
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| 2BR/2BA Condo
| | $1,500/month |
| Bedrooms | 2 | | Bathrooms | 2 full, 0 partial | | Sq Footage | 907 | | Parking | 2 dedicated | | Pet Policy | No pets | | Deposit | $1,500 | DESCRIPTION | Spacious and clean 2 master suite condo directly across form the University of Maryland Campus. Spacious Living/Dining Room area to study in. Parkside offers ample parking, Fitness center , High Speed internet, TV lounge, and Secured Access. Near U of Md shuttle stop, shops and restaurants. | | |
| see additional photos below |
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RENTAL FEATURES
| - Air conditioning |
- Central heat |
- Walk-in closet |
| - Living room |
- Dishwasher |
- Refrigerator |
| - Stove/Oven |
- Cable-ready |
- High-speed internet |
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COMMUNITY FEATURES
| - Laundry on-site |
- Fitness center |
- Gated property |
| - Elevator |
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LEASE TERMS 12-36 month lease
$35.00 pp Application fee
NO PETS
Verification of Employment
Verification of Rental History
Credit Check
1st months rent and Security Deposit (Equivalent to one month rent) at lease signing | | | | |
ADDITIONAL PHOTOS
 Main Entrance |
 Media Room |
 Study Lounge |
 Fitness Room |
 Basic Floor Plan |
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Contact info: |
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Laura Gray |
RE/MAX Realty Group |
322086 |
lauragray@mris.com |
(301) 921-2658 |
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| Equal Opportunity Housing
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| Posted: Jan 10, 2012, 1:29pm PST |
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Laura Gray | RE/MAX Realty Group | (301) 921-2658 | 3005 S Leisure World Blvd Apt 223, Silver Spring, MD | | Gated Retirement Community (55+)
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| 2BR/2BA Condo
| | $1,200/month |
| Bedrooms | 2 | | Bathrooms | 2 full, 0 partial | | Sq Footage | 1,032 | | Parking | None | | Pet Policy | No pets | | Deposit | $1,200 | DESCRIPTION | Gated Community plus high rise living at it's best. Renovated from top to bottom to include hardwood floors, new carpet, crown , chair & decorative moulding w/ designer paint. Remodeled kitchen incl. Ceramic tile, new cabinets , SS appliances. Actvity rooms , elevator building with plenty of social amenities. | | |
| see additional photos below |
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RENTAL FEATURES
| - Air conditioning |
- Central heat |
- Walk-in closet |
| - Hardwood floor |
- Tile floor |
- Living room |
| - Dishwasher |
- Refrigerator |
- Stove/Oven |
| - Microwave |
- Granite countertop |
- Stainless steel appliances |
| - Washer |
- Dryer |
- Laundry area - inside |
| - Balcony, Deck, or Patio |
- Swimming pool |
- Cable-ready |
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COMMUNITY FEATURES
| - Guest parking |
- Clubhouse |
- Storage space(s) |
| - Fitness center |
- Swimming pool(s) |
- Tennis court(s) |
| - Golf course |
- Gated property |
- Secured entry |
| - Elevator |
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LEASE TERMS $35 pp app fee
Last 2 paystubs
Copy of DL
GCAAR Application
Verification of Employmwnt
Verification of Rental History
Credit Comfirmed | | | | |
ADDITIONAL PHOTOS
 Dining Room |
 Kitchen #1 |
 Kitchen #2 |
 Kitchen #3 |
 Living Room |
 Master BR |
 Master FB |
 Master FB #2 |
 Master BR #2 |
 Glass Enclosed Porch |
 BR #2 |
 FB #2 |
 BR #2a |
 FB 3#2a |
 BR 32b |
 Laundry |
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Contact info: |
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Laura Gray |
RE/MAX Realty Group |
322086 |
(301) 921-2658 |
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| Equal Opportunity Housing
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| Posted: Jan 10, 2012, 11:15am PST |
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I wanted to pass along some information regarding ones credit. This may be helpful for first time homebuyers, people who have struggled with their credit, or someone who may be trying to reestablish credit. Just a few Do's and Don'ts to help you define your New Years Resolutions for 2012
Things That Affect Your Credit Score – Do’s and Don’ts
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DO pay your bills on time. - Never be more than 30 days late.
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DO pay down your debts.
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DON'T close your accounts
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DON"T open any accounts unless absolutely necessary
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DON'T file bankruptcy or foreclosure if at all possible - Both stay on your report for 10 (Ten years)
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DO file disputes forms and have errors deleted from your report.
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DO attempt to delete negative credit through negotiation when possible - Avoid credit repair scams.
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DO communicate with your creditors if you are having financial issues or problems.
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DO become an authorized user - WARNING not all creditors report and works both ways on negative accounts
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DO consider secured credit cards or co-signers when trying to establish credit.
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DO use QUICK or RAPID RESCORE - there is a fee and must be done though a mortgage company and/or bank.
Your credit score affects every aspect of your financial life including qualifying for loans and mortgages, your interest rates and terms, housing, insurance premiums (auto and life) even employment opportunities in some instances.
Millions of Americans have negative and unverifiable information on their credit report. Repairing and maintaining your credit profile is one of the most important financial decisions you can make for yourself and or your family.
You need to take the important step of understanding and taking control of your credit. There are Federal laws in place to ensure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act.
Be proactive in 2012 , understand your rights and make the commitment to start today.
PART 2
In the next installment , we will provide you with the contact information directly to the credit bureaus to receive your FREE credit report (In the state of Maryland) and how to file a dispute form.
PART 3
In the last installment , we will provide you with what documents and information the banks will accept to explain credit issues and/or errors on your report before they will APPROVE your mortgage.
Ok ......... Are you ready ? Did you create your business plan for 2012 during December or did you exhale and just enjoy the Holidays ?
We all tried to create a BIG push to launch us into next year and we all ran into the same obstacles ! Right ?
Too much food , Too many parties , Too many days shopping for the perfect gifts within our budgets .... OR NOT. We all had the best of intentions , but the pretty lights and sales kept calling our attention away like the songs of the mermaids.
So now is the time to get focused , the "SPRING" market is just around the corner and you want to be prepared and ready to go. The kids are back in school , so the morning routine should force you to get up and get going. Here are a few tips to get you back on TARGET.
- Go into the office early at least 2 days a week - 1 day for meetings and tour, the other for paperwork and administrative
- Schedule one late day - Don't go in until Noon , but work appointments that evening or return calls, make calls
- Schedule OPEN Houses - But make sure the houses have heat !
- Wear your Realtor , company pins, name tags everywhere you go !
- Play with your Social network - 1 hour a day utilize ActiveRain, Tweet , FB, LinkedIn or any other network you are plugged into
- Find FREE internet applications that can boost your business - Postlets.com, Trulia, etc.
- Write or Review your business plan and start implementing it.
- Only you can close 5, 10 , 15 .... more deals this year , just like only you can loose 5, 10 or 15 pounds !
Have fun and watch your business become "ON TARGET" and then maybe you will enjoy all of December next year and have your plan completed by Thanksgiving !
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Laura Gray | RE/MAX Realty Group | (301) 921-2658 |
2703 Evans Dr, Silver Spring, MD | | Location ! Location ! Location !
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| 5BR/2BA Single Family House
| | offered at $324,900 |
| Year Built | 1953 | | Sq Footage | 1,924 | | Bedrooms | 5 | | Bathrooms | 2 full, 0 partial | | Floors | 2 | | Parking | Unspecified | | Lot Size | 6,498 sqft | | HOA/Maint | $0 per month | DESCRIPTION | This updated rambler has it all including location. Kitchen updates incl cabinets ,appliances & ceramic tile. The sun-filled LR has brick FP and hardwood floors with plenty of natural light coming thu the picture window. Separate entrance to the In-law suite with 2 Addtl BR's,LR, Kitchenette and Laundry room. Fenced back yard with patio and driveway access. | | |
| see additional photos below |
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| PROPERTY FEATURES
| - Central A/C |
- Central heat |
- Fireplace |
| - Walk-in closet |
- Hardwood floor |
- Tile floor |
| - Living room |
- Bonus/Rec room |
- Dining room |
| - Dishwasher |
- Refrigerator |
- Stove/Oven |
| - Microwave |
- Basement |
- Washer |
| - Dryer |
- Laundry area - inside |
- Yard |
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| ADDITIONAL PHOTOS
 Main Exterior |
 Living Room |
 Living Room FP |
 Dining Room |
 Kitchen |
 Kitchen Photo 2 |
 Side entrance |
 Bathroom #1 |
 BR #1 |
 BR #2 |
 BR #3 |
 In Law suite kitchen |
 Hallway basement Apt |
 Rec Rm |
 BR #4 |
 Bath #2 |
 BR #5 |
 Backyard |
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Contact info: |
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Laura Gray |
RE/MAX Realty Group |
| 322086 |
(301) 921-2658 |
For sale by agent/broker | |
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| Equal Opportunity Housing
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| Posted: Dec 21, 2011, 2:41am PST |
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This is valuable information for those that are relocating or even purchasing a home in the Washington DC Metropolitan area. Our price points and median income put us at the top of the scale in regards to FHA loan limits.
Roy is always on point when it comes to keeping us updated with the latest and greatest information
Via Roy Kelley, Montgomery County, MD Homes For Sale (Roy Kelley and RE/MAX Realty Group):
FHA Mortgage Loan Limits Link
This is where you can find the FHA mortgage loan limits for any area. FHA is a favorite of many first time home purchasers and now higher end home buyers are discovering the advantages of FHA financing. Consumers need to be reminded that the maximum loan amounts for FHA financing do vary from county to county.
FHA Mortgage Loan Limits Link
We always advise prospective purchasers to obtain pre-approval for mortgage financing as one of the initial steps in the home buying process. Your real estate professional will recommend a mortgage lender that will provide the advice you need to select the best program.
This holiday season is a time of great opportunity for home buyers that wish to take advantage of the low mortgage interest rates and the very attractive home prices.
When you are out and about over the holidays, be sure to have your camera in hand to capture those special moments.

Holiday Wreaths IMG_1355 in Colonial Williamsburg
We visited Colonial Williamsburg over the Thanksgiving Holidays. It is a wonderful time of the year to visit the area.
Photograph by Roy Kelley using a Canon PowerShot G11 camera.
Roy and Dolores Kelley Photographs
We represent home buyers and sellers as their exclusive agents in the Maryland suburbs of Washington DC and nearby counties. Your Real Estate Professionals In Maryland.
Roy Kelley Roy Kelley & Associates Associate Broker, RE/MAX Realty Group
Client Assistance: 301-670-8996
Recipient of the RE/MAX International Lifetime Achievement Award - 2008
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Laura Gray
Gaithersburg,
MD
More about me
RE/MAX Realty Group
Address: 6 Montgomery Village Avenue #200, Gaithersburg, Md, 20879
Office Phone: (301) 921-2658
Cell Phone: (240) 601-4800
Email Me
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