first time homebuyer: Credit Repair for 2012..... Newest Guidelines for Securing a Mortgage - Part 2 - 02/02/12 07:43 AM

 
 
 
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 … (3 comments)

first time homebuyer: 38 Park Drive, Emmitsburg, Md 21727 - ***REDUCED*** - 09/14/10 08:32 AM
(4 comments)

first time homebuyer: SOLD - 11422 Beehive Court, Germantown,Md 20876 - - 04/23/10 01:03 PM
(2 comments)

first time homebuyer: ***** Building Material Auction ***** - 02/27/10 06:21 AM
BUILDING MATERIAL AUCTION
MARCH 6th & 7th, 2010
Howard County Fairgrounds, Maryland
(Pre-Registration AND Preview Friday, March 5, 2010- Noon to 6:00 PM)
REGISTRATION BEGINS AT 7:30AM AND THE AUCTION STARTS AT 9:00AM BOTH DAYS
The following is a list of items available to bid on:
INTERIOR DOORS
WINDOWS
KITCHEN & BATH
ENTRIES
FLOORING
TILE
MISCELLANEOUS
Pre-register ON-LINE at www.peakauction.com
Pre-register ON-SITE Fiday March 5 during the PREVIEW !

(0 comments)

first time homebuyer: The perfect day trip for those looking to use the FHA 203K Renovation Loan Program - 02/27/10 05:07 AM
Oh what excitement !!!! You have finally found that house that needs a little bit more help than you expected. Your agent had informed you that the FHA 203K renovation loan is your best bet to tackle those cosmetic repairs and keep the up with the appraiser's non-compliance issues.
So off you go ready to tackle the challenge of getting the estimates you need to complete the projects on your list. Many of the projects can be "Do-it-yourself" ones that you can possibly master on a Saturday morning at the local Big Box hardware store. But , others will require the special … (4 comments)

first time homebuyer: Frederick , Maryland HUD HOMES For Sale - Owner Occupied Bidders - 02/01/10 02:45 AM
 
Property Case      Address          Price           As-Is Value    Bed/Bath      List Date    Bid Deadline        Priority
241-782553    87 Wenner Dr    $155,900   $122,000       3/1.5         1/29/10        2/7/10           Owner 
                     Brunswick, Md                                                                                                Occupied
 
 

Property Case      Address          Price           As-Is Value    Bed/Bath      List Date    Bid Deadline        Priority
 241-788016       73 Apple Way   $116,850   $123,000       3/2.5        1/29/10       2/7/10          Owner
                       Frederick, Md                                                                                              Occupied
 
Contact a HUD certified Realtor to assist you with previewing and bidding on these or any other HUD homes. 
 
 
  
(0 comments)

first time homebuyer: 2010 Closing Cost Award Contest - Montgomery County, Maryland - 01/26/10 06:19 AM
2010 Closing Cost Award Contest

 
Are you a resident of Montgomery County or are first-time homebuyers? If so, you may be eligible to win $5,000 or more to use toward down payment or closing cost assistance on the purchase of a home in Montgomery County.The Affordable Housing Conference of Montgomery County is sponsoring the 2010 Closing Cost Award Contest!  Here's how to apply:  1. Write a 200-word essay on "What Homeownership Means to Me."2. Fill out the entry form.3. Mail your essay and entry form.Entry forms must be postmarked no later than Monday, March 1, 2010.Click here to learn more or to access the … (4 comments)

first time homebuyer: I COULDA, WOULDA, SHOULDA ................................. - 01/19/10 07:24 AM

First-Time Homebuyers who put "Buying a House" on the top of their New Years Resolution List need to become proactive !  We are still hearing the rumors that the Down-Payment on FHA loans will increase to FIVEpercent (5%). That increase can definitely impact a prospective home buyers purchase power.
Now add that the to the projected decrease in allowable seller contribution towards the Buyers closing costs to THREE percent (3%) from six percent (6%) that definitely limits how the buyers cash reserves are allocated.
Many buyers could buy their home for just Three percent out of pocket , and the Sellers contribution would cover … (4 comments)

first time homebuyer: Plant and Be Counted !!! $25.00 Coupon to Plant a Tree - Maryland - 09/22/09 08:30 AM
The State of Maryland as instituted a few programs to help reach their new found appreciation of Mother Earth. Our fair state is known as "Little America" , we have the Atlantic ocean on our Eastern Shore , many Agricultural areas in the middle and of course , the Applachain Trail toward the West.
With this in mind , the Governor , Martin O'Malley , along with the guidance of many committees has developed a few unique oppurtunities to help Maryland citizens to Go GREEN. The NEW logo says. "MAryland- Smart, Green & Growing"
I found the following program of interest as … (2 comments)

first time homebuyer: 20 Windbrooke Circle , Gaithersburg , Md 20879 - 09/20/09 05:34 AM
(2 comments)

first time homebuyer: The Home Buyers Poem - 06/24/09 03:28 AM


This little Poem should become every homebuyers mantra. As the amount of time left on the $8000 tax credit winds down there will be more and more Buyers flooding the market and competing for what little inventory is available.
So for all of you looking to take advantage of this market please make this your Golden rule to follow as your look at homes this summer.

The Home Buyers Poem
The house that you look at today
and
want to THINK about until tomorrow
will
be the house another BUYER looked at yesterday
and
made an OFFER on today !!
(21 comments)

first time homebuyer: Why is the Loan Officer delaying our settlement ?? - 05/10/09 12:26 AM





I received this e-mail from a First-Time Homebuyer this week. At first I just sat there and blankly stared at the comment with a slightly confused look on my face. This is a dual career professional couple , both are highly educated and are very comfortable in the current stage of life. So this question , from them stopped me in my tracks and caused me to pause............ and think about the following.

What does a Pre-Approval letter from a Direct lender really mean ? I have found that from many "Buyers" perspective it means that they … (6 comments)

first time homebuyer: A match made in heaven: First Time Homebuyers and FHA 203K Renovation loans - 05/03/09 07:32 AM

We are seeing a resurgence of First-Time Homebuyers in our local market place in Maryland. Many are seizing the opportunity to purchase their first home within walking distance of a metro station or a short bicycle ride from the current workplace.
Many of this Post-war homes in the area may need some minor updates to accommodate today's consumer. This is a perfect use of the FHA 203K Streamline loan to give an existinghome a modern update. Whether it is NEW flooring or appliances, some drywall repairs and paint , or electrical, mechanical and/or plumbing updates this is the perfect fit for … (8 comments)