How to Avoid Predatory Lending, Part III - 05/05/07 01:48 PM
Over the past couple of days, we’ve discussed the warning signs, as well as some common problems associated with “predatory lending”. When you’re shopping for a low-cost loan, it’s extremely important to know the right questions to ask of any lender, so that you can choose the loan that best suits your needs. Working with a REALTOR® like myself will arm you with the knowledge to protect you and your family and get you into the home of your dreams. Of course you want to find the lowest mortgage rate possible and get the best deal. However, it’s also important to … (0 comments)

How to Avoid Predatory Lending, Part II - 05/05/07 01:47 PM
Nearly all predatory lending occurs in the “subprime market,” where loans are sold to people with less than ideal credit histories. Subprime loans have played an important role in helping millions of consumers achieve homeownership, but, unfortunately, some lenders abuse their role and take unfair advantage of vulnerable borrowers. Here are some common problems with predatory loans: High interest rates and fees: Predatory lenders often charge extremely high interest and fees that are added into the total amount of the loan the borrower must repay. These lenders charge what they can get away with, not a fair amount based on the … (0 comments)

How to Avoid Predatory Lending, Part 1 - 05/05/07 01:45 PM
For most families, buying a home is the biggest and smartest purchase they ever make. Unfortunately, not all loans are in their best interests. When loans hurt instead of help, they can quickly lead to foreclosure and even bankruptcy. It’s important to learn the warning signs and common problems associated with predatory lending, and to ask the right questions when shopping for low cost loans.
The term “predatory lending” covers a wide range of abusive practices. Some may be predatory for one borrower but not for another, because everyone’s circumstances are different. Predatory lenders often take advantage of first-time homebuyers … (0 comments)

Why Should I Use an e-Pro? - 05/05/07 01:41 PM
What is an e-PRO … and why should you use one?
When you’re on the Internet, you don’t have time to waste on endless searches for useful real estate information. You want to get things done quickly and without hassle. So chances are you’d like a real estate agent who …
Answers e-mail promptly and professionally. Respects your online privacy. Offers home listings and other Internet tools to help you find or market a home
Enter the e-PRO.
An e-PRO is a REALTOR® who has successfully completed the e-PRO training program for real estate professionals. Endorsed by the National Association … (1 comments)

Do you see a broken image link below? - 05/05/07 01:35 PM
I think Active Rain may have misplaced thier own logo file. I noticed on my website that the localism logo shows a broken link 
 
 
Its the one that has this accompanying text:
You can find great local Maryland real estate information on Localism.com Melissa DelGaudio is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.
I used this link on my own blog -- clearly because it was worth the most points, but I think  But the image has been missing all day. This unique to me?
… (4 comments)

Adams Ribs 20th Anniversary in Severna Park - 05/05/07 10:39 AM
My word, has it really been 20 years. Adams, the Place for Ribs  has been a Severna Park landmark for years. The tell-tale blue smoke, and wonderful scent of cooking ribs often permeates downtown Severna Park, right out side the Champion Realty Severna Park office, where I can often be found. 
Adams is a real neighborhood spot, and after 20 years you'll still find a line both at the carry out side, and the seating side as families clamor for thier ribs and brisket.  
In fact, Adams help sustain all of my husbands brothers, each of them worked at Adams though high … (0 comments)

Soptlight on Severna park Real Estate: Round Bay - 05/05/07 10:22 AM
Round Bay is one of Severna Park’s oldest communities. It enjoys a glorious view of the Round Bay section of the Severn River — where the river widens just up river from Annapolis, and before the river narrows dramatically at Linstead on the Severn. Because of this feature of the River, the water is often calm and residents enjoy watching — or better yet participating — in sailboat races, board sailing, water skiing and jet skiiing. From Round Bay you are also just minutes from downtown Annapolis by boat.
Where is Round Bay?
Round Bay Tidbit: Local high school … (0 comments)

Marketing Sites vs. The MLS: A Question of Accuracy - 05/05/07 10:13 AM
We’ve known for a while that Zillow is now accepting agent listings on their website. As a REALTOR, I now consider Zillow an integral part of my marketing process. I feel — like many others — that it’s in my clients’ best interests to gain the widest exposure for their listing as possible. As I see it, Zillow.com is another wrench to add to my marketing toobox.
And that is where I see Zillow: as a marketing tool for me, other agents and other homesellers. In his post over at Realty Objectives, “zapocolypse now” Russ gives his opinion that this … (1 comments)

Deciding your Debt Factor - 05/05/07 10:11 AM
When it’s time to buy a home you may wonder how much house you can afford with all of you other financial obligations. Among other things, you probably have a car payment, some credit card debt, and maybe a hefty student loan installment to pay each month. Keep in mind that there will be more than the monthly cost of the mortgage to budget for, also allowing for closing costs, home insurance, and possibly private mortgage insurance. 
Here is a quick way to figure out how much debt you may want to carry. Keep in mind, however, this a general formula … (0 comments)

Depersonalize Your Property for Selling - 05/05/07 10:09 AM
When conversing with real estate agents, you will often find that when they talk to you about buying real estate, they will refer to your purchase as a “home.” Yet if you are selling property, they will often refer to it as a “house.” There is a reason for this. Buying real estate is often an emotional decision, but when selling real estate you need to remove emotion from the equation.
You need to think of your house as a marketable commodity. Property. Real estate. Your goal is to get others to see it as their potential home, not yours. If … (0 comments)

 

Melissa DelGaudio

Severna Park, MD

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CHAMPION REALTY, INC.

Office Phone: (410) 224-0600 x 623

Cell Phone: (410) 212-9316

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