<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0" xmlns:dc="http://purl.org/dc/elements/1.1/">
  <channel>
    <title>Craig's Blog - Frederick Maryland Real Estate -Maryland and West Virginia Licensed</title>
    <link>http://activerain.com/blogs/craigsmith</link>
    <description>frederick maryland real estate, frederick real estate, maryland realtor, frederick homes, middletown md real estate, jefferson wv real estate, hagerstown real estate, martinsburg wv real estate, washington county md real estate, charles town wv real estate, eastern wv real estate, wv realtor, myersville md real estate, hagerstown homes for sale, frederick land for sale, keller williams realty maryland, frederick real estate agent, frederick real estate broker, keller williams home towne realty</description>
    <language>en-us</language>
    <item>
      <guid>http://activerain.com/blogsview/1264980/14-victoria-sq-frederick-maryland-21702</guid>
      <title>14 Victoria Sq. Frederick Maryland 21702</title>
      <description>&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;frederick maryland real estate&quot; target=&quot;_blank&quot;&gt;Frederick MD Real Estate&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- Beautiful 3 level townhome&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- List Price $194,900&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- 4 Bedroom 2 Full and 2 Half Baths&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- Master suite w/ fireplace and vaulted ceiling&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- Fully finished lower level w/ possible 4th BR and family room with fireplace&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- Hardwood floors in Kitchen, family room and dining room area&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- 2 tiered deck with storage area underneath&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- Beautifully Landscaped&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- End unit w/ brick front&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- Third party approval (Short Sale)&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- Great location close to shopping and commuter routes&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;frederick short sale&quot; src=&quot;http://activerain.com/image_store/uploads/8/8/3/4/4/ar125442811344388.JPG&quot; height=&quot;267&quot; alt=&quot;frederick short sale&quot; width=&quot;200&quot; /&gt;&amp;nbsp;&lt;img title=&quot;frederick md real estate&quot; src=&quot;http://activerain.com/image_store/uploads/4/9/6/7/6/ar125442816367694.JPG&quot; height=&quot;267&quot; alt=&quot;frederick md real estate&quot; width=&quot;200&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;frederick realtor&quot; src=&quot;http://activerain.com/image_store/uploads/2/7/0/1/2/ar125442820421072.JPG&quot; height=&quot;188&quot; alt=&quot;frederick realtor&quot; width=&quot;250&quot; /&gt;&amp;nbsp;&lt;img title=&quot;frederick homes&quot; src=&quot;http://activerain.com/image_store/uploads/4/9/6/4/7/ar125442824474694.JPG&quot; height=&quot;188&quot; alt=&quot;frederick homes&quot; width=&quot;250&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;frederick properties&quot; src=&quot;http://activerain.com/image_store/uploads/3/5/3/1/8/ar125442831581353.JPG&quot; height=&quot;188&quot; alt=&quot;frederick properties&quot; width=&quot;250&quot; /&gt;&amp;nbsp;&lt;img title=&quot;frederick realty&quot; src=&quot;http://activerain.com/image_store/uploads/9/3/2/2/9/ar12544283692239.JPG&quot; height=&quot;188&quot; alt=&quot;frederick realty&quot; width=&quot;250&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;short sale frederick md&quot; src=&quot;http://activerain.com/image_store/uploads/1/6/4/1/1/ar125442841011461.JPG&quot; height=&quot;188&quot; alt=&quot;short sale frederick md&quot; width=&quot;250&quot; /&gt;&amp;nbsp;&lt;img title=&quot;hagerstown real estate&quot; src=&quot;http://activerain.com/image_store/uploads/4/4/2/5/5/ar125442847255244.JPG&quot; height=&quot;188&quot; alt=&quot;hagerstown real estate&quot; width=&quot;250&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;a href=&quot;http://www.realtorcraigs.com/shortsale.html&quot; title=&quot;frederick short sale&quot; target=&quot;_blank&quot;&gt;Frederick Short Sale&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Thu, 01 Oct 2009 15:29:22 -0500</pubDate>
      <link>http://activerain.com/blogsview/1264980/14-victoria-sq-frederick-maryland-21702</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1246411/9136-old-hagerstown-rd-middletown-md-21769</guid>
      <title>9136 Old Hagerstown Rd. Middletown, MD 21769</title>
      <description>&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;a href=&quot;http://www.realtorcraigs.com/middletown.html&quot; title=&quot;middletown md real estate&quot; target=&quot;_blank&quot;&gt;Middletown MD Real Estate&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- Offered at $449,900&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- 4 Bedrooms 3.5 baths&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- 2.82 acres with nice size barn, 3 stable barn, and fenced pasture. Bring the Horses&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- Recently remodeled/restored&amp;nbsp; w/Roof, HVAC, Plumbing, Electric and more only 2 years old&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- Approximately 4400 sq ft&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- 2 car detached garage, 2 sheds, outdoor fireplace&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- Granite kitchen countertops, Stainless steel appliances, Viking Range&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- Additional&amp;nbsp; &lt;strong&gt;kitchenette&lt;/strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- 2 fireplaces &lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- 2 level deck&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- 3 zoned heating and air with two 3 ton units&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;-&amp;nbsp;Beautiful views of Middletown and Myersville&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- Historic charm still exists in older section of home with some exposed log and stone&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- 1 Bedroom apartment on back end of garage currently rented at $650/mo&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- Short Sale&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;- And Much More...&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;middletown md homes&quot; src=&quot;http://activerain.com/image_store/uploads/8/6/2/6/3/ar125338256736268.JPG&quot; height=&quot;225&quot; alt=&quot;middletown md homes&quot; width=&quot;300&quot; /&gt;&lt;img title=&quot;middletown md real estate&quot; src=&quot;http://activerain.com/image_store/uploads/2/3/0/5/5/ar125338262255032.JPG&quot; height=&quot;225&quot; alt=&quot;middletown md real estate&quot; width=&quot;300&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;myersville md real estate&quot; src=&quot;http://activerain.com/image_store/uploads/1/5/9/3/4/ar125338274043951.JPG&quot; height=&quot;225&quot; alt=&quot;myersville md real estate&quot; width=&quot;300&quot; /&gt;&lt;img title=&quot;myersville homes&quot; src=&quot;http://activerain.com/image_store/uploads/9/8/2/9/4/ar125338280449289.JPG&quot; height=&quot;225&quot; alt=&quot;myersville homes&quot; width=&quot;300&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;middletown md properties&quot; src=&quot;http://activerain.com/image_store/uploads/7/4/7/7/7/ar125338286477747.JPG&quot; height=&quot;225&quot; alt=&quot;middletown md properties&quot; width=&quot;300&quot; /&gt;&lt;img title=&quot;myersville properties for sale&quot; src=&quot;http://activerain.com/image_store/uploads/3/1/4/3/4/ar125338292243413.JPG&quot; height=&quot;225&quot; alt=&quot;myersville properties for sale&quot; width=&quot;300&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;frederick md real estate&quot; src=&quot;http://activerain.com/image_store/uploads/6/0/7/8/3/ar125338429338706.JPG&quot; height=&quot;400&quot; alt=&quot;frederick md real estate&quot; width=&quot;300&quot; /&gt;&lt;img title=&quot;frederick md realtor&quot; src=&quot;http://activerain.com/image_store/uploads/6/5/8/3/6/ar12533843463856.JPG&quot; height=&quot;400&quot; alt=&quot;frederick md realtor&quot; width=&quot;300&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;frederick md homes&quot; src=&quot;http://activerain.com/image_store/uploads/5/3/9/4/8/ar12533843984935.JPG&quot; height=&quot;225&quot; alt=&quot;frederick md homes&quot; width=&quot;300&quot; /&gt;&lt;img title=&quot;homes for sale middletown maryland&quot; src=&quot;http://activerain.com/image_store/uploads/3/2/4/7/0/ar125338444207423.JPG&quot; height=&quot;225&quot; alt=&quot;homes for sale middletown maryland&quot; width=&quot;300&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;middletown md home search&quot; target=&quot;_blank&quot;&gt;Search Middletown MD Homes&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;middletown md homes&quot; target=&quot;_blank&quot;&gt;Middletown MD homes&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;a href=&quot;http://www.realtorcraigs.com/myersville.html&quot; title=&quot;myersville md homes&quot; target=&quot;_blank&quot;&gt;Myersville MD Homes&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Sat, 19 Sep 2009 12:56:50 -0500</pubDate>
      <link>http://activerain.com/blogsview/1246411/9136-old-hagerstown-rd-middletown-md-21769</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1208596/frederick-maryland-foreclosed-homes</guid>
      <title>Frederick Maryland Foreclosed Homes</title>
      <description>&lt;p&gt;Looking for a &lt;a href=&quot;http://www.realtorcraigs.com.com&quot; title=&quot;foreclosed homes frederick&quot; target=&quot;_blank&quot;&gt;foreclosed home in Frederick&lt;/a&gt;?&lt;/p&gt;
&lt;p&gt;Now is the time to&amp;nbsp;buy a foreclosed home.&amp;nbsp; Foreclosures are selling quickly and many are receiving multiple offers due to the great value.&lt;/p&gt;
&lt;p&gt;Currently in&amp;nbsp;Frederick Maryland (not including the rest of Frederick County) there are&amp;nbsp;32 active foreclosure (bank owned properties) on the market.&lt;/p&gt;
&lt;p&gt;List Prices range from $59,400 to $399,000. In fact&amp;nbsp;20 of these&amp;nbsp;32 homes are under $200K. Therefore, provide the affordability for many buyers.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.realtorcraigs.com/buying.html&quot; title=&quot;frederick first time homebuyers&quot; target=&quot;_blank&quot;&gt;Frederick&amp;nbsp;First Time Homebuyers&lt;/a&gt; have until Nov. 30, 2009 to take advantage of the $8000 tax credit. SO HURRY UP!&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;Contact me for your free list of foreclosed homes&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;&lt;strong&gt;&lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;hagerstown properties&quot; target=&quot;_blank&quot;&gt;Search for Homes!&lt;/a&gt;&lt;/strong&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;hagerstown foreclosed homes&quot; target=&quot;_blank&quot;&gt;Hagerstown Foreclosed Homes&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Mon, 24 Aug 2009 13:06:39 -0500</pubDate>
      <link>http://activerain.com/blogsview/1208596/frederick-maryland-foreclosed-homes</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1208573/hagerstown-maryland-foreclosures</guid>
      <title>Hagerstown Maryland Foreclosures</title>
      <description>&lt;p&gt;Looking for a &lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;foreclosed homes hagerstown&quot; target=&quot;_blank&quot;&gt;foreclosed home in Hagerstown&lt;/a&gt;?&lt;/p&gt;
&lt;p&gt;Now is the time to&amp;nbsp;buy a foreclosed home.&amp;nbsp; Foreclosures are selling quickly and many are receiving multiple offers due to the great value.&lt;/p&gt;
&lt;p&gt;Currently in Hagerstown Maryland there are 51 active foreclosure (bank owned properties) on the market.&lt;/p&gt;
&lt;p&gt;List Prices range from $24,900 to $451,440. In fact 19 of these 51 homes are under $100K and 38 total are under $200K.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com/buying.html&quot; title=&quot;hagerstown first time homebuyers&quot; target=&quot;_blank&quot;&gt;Hagerstown First Time Homebuyers&lt;/a&gt; have until Nov. 30, 2009 to take advantage of the $8000 tax credit. SO HURRY UP!&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;Contact me for your free list of foreclosed homes&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;&lt;strong&gt;&lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;hagerstown properties&quot; target=&quot;_blank&quot;&gt;Search for Homes!&lt;/a&gt;&lt;/strong&gt;&lt;/span&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Mon, 24 Aug 2009 12:54:46 -0500</pubDate>
      <link>http://activerain.com/blogsview/1208573/hagerstown-maryland-foreclosures</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1200107/21721-boonsboro-mountain-rd-boonsboro-md-21713</guid>
      <title>21721 Boonsboro Mountain Rd Boonsboro, MD 21713</title>
      <description>&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Gorgeous Custom Log Home on 9 Acres in Frederick County Maryland&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- List Price -&amp;nbsp;$449,900&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;- Less than one year old ( Completed Sept. 2008)&lt;/p&gt;
&lt;p&gt;- Located on Frederick/Washington County Line. Myersville/Middletown Schools&lt;/p&gt;
&lt;p&gt;- 3 BR 2 Bath- Very Spacious and open with cathedral ceilings&lt;/p&gt;
&lt;p&gt;- Very private on nearly 9 Acres. Approximately 2-3 acres open and the rest wooded&lt;/p&gt;
&lt;p&gt;- Top of the line features throughout&lt;/p&gt;
&lt;p&gt;- Granite kitchen countertops, Stainless Steel LG appliances, 18&quot; ceramic tile floors, maple cabinets,&amp;nbsp; large&amp;nbsp;island&lt;/p&gt;
&lt;p&gt;- Beautiful Exotic Brazilian Koa Hardwood Floors&lt;/p&gt;
&lt;p&gt;- Ceramic tile bathrooms&lt;/p&gt;
&lt;p&gt;- Master bath double sink w/large soaking tub&lt;/p&gt;
&lt;p&gt;- Balcony off of master bedroom&lt;/p&gt;
&lt;p&gt;- Front end loader washer and dryer&lt;/p&gt;
&lt;p&gt;- Large wrap around deck&lt;/p&gt;
&lt;p&gt;- 12 x 26 Porch ready to be screened in if desired w/ outside fireplace&lt;/p&gt;
&lt;p&gt;- Large Great Room w/ beautiful stone high efficiency fireplace insert to heat the entire home.&lt;/p&gt;
&lt;p&gt;- Wired for security and wired with CAT5 cabling&lt;/p&gt;
&lt;p&gt;- Sprinkler system&lt;/p&gt;
&lt;p&gt;- Large unfinished basement w/ bath rough-in and walk out entrance&lt;/p&gt;
&lt;p&gt;- Water conditioning system&lt;/p&gt;
&lt;p&gt;- Next to Greenbriar State Park and the Appalachian Trail&lt;/p&gt;
&lt;p&gt;- Abundant wildlife right out the windows&lt;/p&gt;
&lt;p&gt;- And much more!!!&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://tour.previsite.com/89AD3827-DB95-E374-B6BD-DE3932DB5137&quot; title=&quot;Frederick maryland homes&quot; target=&quot;_blank&quot;&gt;VIEW VIRTUAL TOUR&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;frederick md real estate&quot; src=&quot;http://activerain.com/image_store/uploads/4/5/4/6/3/ar125060477336454.JPG&quot; height=&quot;188&quot; alt=&quot;frederick md real estate&quot; width=&quot;250&quot; /&gt;&amp;nbsp; &lt;img title=&quot;frederick homes&quot; src=&quot;http://activerain.com/image_store/uploads/2/7/0/2/9/ar125060482192072.jpg&quot; height=&quot;188&quot; alt=&quot;frederick homes&quot; width=&quot;250&quot; /&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;frederick log homes&quot; src=&quot;http://activerain.com/image_store/uploads/2/3/4/8/2/ar125060489228432.jpg&quot; height=&quot;276&quot; alt=&quot;frederick log homes&quot; width=&quot;222&quot; /&gt;&amp;nbsp;&amp;nbsp; &lt;img title=&quot;boonsboro real estate&quot; src=&quot;http://activerain.com/image_store/uploads/8/5/4/1/2/ar125060495321458.jpg&quot; height=&quot;274&quot; alt=&quot;boonsboro real estate&quot; width=&quot;207&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;boonsboro real estate&quot; src=&quot;http://activerain.com/image_store/uploads/2/1/1/5/7/ar125060619375112.jpg&quot; height=&quot;188&quot; alt=&quot;boonsboro real estate&quot; width=&quot;250&quot; /&gt;&amp;nbsp; &lt;img title=&quot;boonsboro homes&quot; src=&quot;http://activerain.com/image_store/uploads/6/8/0/2/6/ar125060624062086.jpg&quot; height=&quot;188&quot; alt=&quot;boonsboro homes&quot; width=&quot;250&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;img title=&quot;hagerstown real estate&quot; src=&quot;http://activerain.com/image_store/uploads/7/0/5/6/5/ar125060628756507.jpg&quot; height=&quot;188&quot; alt=&quot;hagerstown real estate&quot; width=&quot;250&quot; /&gt;&amp;nbsp; &lt;img title=&quot;hagerstown properties&quot; src=&quot;http://activerain.com/image_store/uploads/8/0/2/9/8/ar125060634489208.jpg&quot; height=&quot;188&quot; alt=&quot;hagerstown properties&quot; width=&quot;250&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;frederick realtor&quot; target=&quot;_blank&quot;&gt;Frederick MD Real Estate&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;hagerstown realtor&quot; target=&quot;_blank&quot;&gt;Hagerstown MD Real Estate&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Tue, 18 Aug 2009 09:43:34 -0500</pubDate>
      <link>http://activerain.com/blogsview/1200107/21721-boonsboro-mountain-rd-boonsboro-md-21713</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1175733/frederick-md-foreclosure-and-short-sale-snapshot-2nd-quarter-2009</guid>
      <title>Frederick MD Foreclosure and Short Sale snapshot - 2nd quarter 2009</title>
      <description>&lt;p&gt;Here is snapshot of what the Frederick County/ &lt;a href=&quot;http://www.realtorcraigs.com/&quot; title=&quot;frederick foreclosure&quot; target=&quot;_blank&quot;&gt;Frederick Maryland Foreclosure&lt;/a&gt; market currently looks like. Also included&amp;nbsp;is the &lt;a href=&quot;http://www.realtorcraigs.com/shortsale.html&quot; title=&quot;martinsburg short sales&quot; target=&quot;_blank&quot;&gt;short sale properties data&amp;nbsp;in the&amp;nbsp;Frederick&lt;/a&gt; area.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Currently, as of 7-31-09, there are&amp;nbsp;1415 active residential listings in Frederick County, MD.&amp;nbsp; Of these&lt;/p&gt;
&lt;p&gt;63&amp;nbsp; are &lt;a href=&quot;http://activerain.com/blogs/craigsmith#&quot; id=&quot;GVLINK_1_0_1&quot;&gt;Foreclosures&lt;/a&gt; (4.5%)&lt;/p&gt;
&lt;p&gt;211&amp;nbsp;are Short Sales (14.9%)&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Currently&amp;nbsp;612 are under contract which:&lt;/p&gt;
&lt;p&gt;105&amp;nbsp; are Foreclosures (17.2%)&lt;/p&gt;
&lt;p&gt;242&amp;nbsp;are Short Sales (39.5%)&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;In &lt;strong&gt;June&lt;/strong&gt;&amp;nbsp;251 residential properties sold which:&lt;/p&gt;
&lt;p&gt;70&amp;nbsp;were Foreclosures (27.9%)&lt;/p&gt;
&lt;p&gt;31&amp;nbsp;were Short Sales (12.4%)&lt;/p&gt;
&lt;p&gt;In&amp;nbsp;&lt;strong&gt;May&lt;/strong&gt;&amp;nbsp;231 residential properties sold which:&lt;/p&gt;
&lt;p&gt;59&amp;nbsp;were Foreclosures (25.5%)&lt;/p&gt;
&lt;p&gt;31&amp;nbsp;were Short Sales (13.4%)&lt;/p&gt;
&lt;p&gt;In&amp;nbsp;&lt;strong&gt;April&lt;/strong&gt;&amp;nbsp;216 residential properties sold which:&lt;/p&gt;
&lt;p&gt;34 were Foreclosures (15.7%)&lt;/p&gt;
&lt;p&gt;19&amp;nbsp;were Short Sales (8.8%)&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;This data looks promising for the Frederick Real Estate Market area. Inventory is decreasing as sales are increasing. Foreclosures and Short sales have made up nearly 40% of the total sales in the last 2 months but only represent about 20% of the total current inventory. This suggest they are the most competitively priced.&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;Start you&amp;nbsp;&lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;martinsburg foreclosed homes&quot; target=&quot;_blank&quot;&gt;Frederick Foreclosure and Short Sale&amp;nbsp;Home Search&lt;/a&gt; Here&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;CONTACT ME TO FIND YOUR NEXT HOME AND FIND OUT ABOUT A NEW FEDERALLY FUNDED PROGRAM FOR BUYING FORECLOSURE IN FREDERICK THAT ENABLES YOU TO GET UP TO $25,000 INTEREST FREE LOAN TOWARDS THE PURCHASE.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;*Data deemed reliable but not guaranteed&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;hagerstown real estate&quot; target=&quot;_blank&quot;&gt;Hagerstown MD Real Estate&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Fri, 31 Jul 2009 11:24:35 -0500</pubDate>
      <link>http://activerain.com/blogsview/1175733/frederick-md-foreclosure-and-short-sale-snapshot-2nd-quarter-2009</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1175379/berkeley-county-wv-martinsburg-foreclosure-market-report-july-2009</guid>
      <title>Berkeley County WV - Martinsburg Foreclosure market report July 2009</title>
      <description>&lt;p&gt;Here is snapshot of what the Berekeley County/ &lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;martinsburg foreclosure&quot; target=&quot;_blank&quot;&gt;Martinsburg West Virginia&amp;nbsp;Foreclosure&lt;/a&gt; market currently looks like. Also included is the &lt;a href=&quot;http://www.realtorcraigs.com/shortsale.html&quot; title=&quot;martinsburg short sales&quot; target=&quot;_blank&quot;&gt;short sale properties in the&amp;nbsp;Martinsburg&amp;nbsp;area&lt;/a&gt;.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Currently there are 1160 active residential listings in Berkeley County WV.&amp;nbsp; Of these&lt;/p&gt;
&lt;p&gt;99&amp;nbsp; are Foreclosures (8.5%)&lt;/p&gt;
&lt;p&gt;108 are Short Sales (9.3%)&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Currently 182 are under contract which:&lt;/p&gt;
&lt;p&gt;68&amp;nbsp; are Foreclosures (37%)&lt;/p&gt;
&lt;p&gt;48&amp;nbsp;are Short Sales (26%)&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;In &lt;strong&gt;June&lt;/strong&gt; 124 residential properties sold which:&lt;/p&gt;
&lt;p&gt;43 were Foreclosures (35%)&lt;/p&gt;
&lt;p&gt;9 were Short Sales (7%)&lt;/p&gt;
&lt;p&gt;In&amp;nbsp;&lt;strong&gt;May&lt;/strong&gt; 101 residential properties sold which:&lt;/p&gt;
&lt;p&gt;50&amp;nbsp;were Foreclosures (50%)&lt;/p&gt;
&lt;p&gt;9 were Short Sales (4%)&lt;/p&gt;
&lt;p&gt;In&amp;nbsp;&lt;strong&gt;April&lt;/strong&gt;&amp;nbsp;33 residential properties sold which:&lt;/p&gt;
&lt;p&gt;11&amp;nbsp;were Foreclosures (33%)&lt;/p&gt;
&lt;p&gt;5&amp;nbsp;were Short Sales (15%)&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;From this data it shows that although foreclosures only represent less than a tenth of the market inventory in Berkeley County, it represent a large percentage of the properties that are actually selling.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;Start you &lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;martinsburg foreclosed homes&quot; target=&quot;_blank&quot;&gt;Martinsburg Foreclosure Home Search&lt;/a&gt; Here&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;CONTACT ME TO FIND YOUR NEXT HOME&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Fri, 31 Jul 2009 08:06:13 -0500</pubDate>
      <link>http://activerain.com/blogsview/1175379/berkeley-county-wv-martinsburg-foreclosure-market-report-july-2009</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1153978/charles-town-west-virginia-short-sale</guid>
      <title>Charles Town West Virginia Short Sale</title>
      <description>&lt;p&gt;&amp;nbsp;&lt;a href=&quot;http://www.realtorcraigs.com/shortsale.html&quot; title=&quot;charles town WV short sale&quot;&gt;Short sale in Charles Town WV&lt;/a&gt; area.&lt;/p&gt;
&lt;p&gt;-Currently Model Home for builder w/ tenant month to month lease option until the end of 2009 at $3000/mo. GREAT INVESTMENT&lt;/p&gt;
&lt;p&gt;-Great new&amp;nbsp;Price $240,000. Seller motivated to get an offer.&lt;/p&gt;
&lt;p&gt;-4 Bedroom 2 Full 2 Half Baths&lt;/p&gt;
&lt;p&gt;-Beautiful Shenandoah Springs Community&lt;/p&gt;
&lt;p&gt;-Gorgeous home with all the perks.&lt;/p&gt;
&lt;p&gt;-Granite counter tops, ceramic tile floors, hardwood floors, sunroom, 42&quot; cabinets, stainless steel appliance, finished basement rec room&lt;/p&gt;
&lt;p&gt;-Great investment opportunity!&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;charles town WV homes&quot; src=&quot;http://activerain.comhttp://activerain.com/image_store/uploads/8/4/4/9/2/ar12284488829448.JPG&quot; height=&quot;204&quot; alt=&quot;charles town WV homes&quot; width=&quot;284&quot; /&gt;&amp;nbsp;&lt;img title=&quot;ranson wv real estate&quot; src=&quot;http://activerain.comhttp://activerain.com/image_store/uploads/8/3/6/9/1/ar122844896219638.JPG&quot; height=&quot;204&quot; alt=&quot;ranson wv real estate&quot; width=&quot;282&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;charles town wv real estate&quot; src=&quot;http://activerain.comhttp://activerain.com/image_store/uploads/4/3/0/5/2/ar122844922525034.JPG&quot; height=&quot;207&quot; alt=&quot;charles town wv real estate&quot; width=&quot;279&quot; /&gt;&lt;img title=&quot;shenandoah springs charles town&quot; src=&quot;http://activerain.comhttp://activerain.com/image_store/uploads/4/4/4/5/8/ar122844940785444.JPG&quot; height=&quot;208&quot; alt=&quot;shenandoah springs charles town&quot; width=&quot;287&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Search all &lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;homes for sale charles town wv&quot;&gt;Charles Town WV homes for sale&lt;/a&gt; and other locations&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Serving Jefferson &amp;amp;&amp;nbsp;Berkeley Co. WV and Washington and &lt;a href=&quot;http://www.realtorcraigs.com/&quot; title=&quot;frederick md real estate&quot;&gt;Frederick County MD Real Estate&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Wed, 15 Jul 2009 13:45:51 -0500</pubDate>
      <link>http://activerain.com/blogsview/1153978/charles-town-west-virginia-short-sale</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1134288/frederick-md-real-estate</guid>
      <title>Frederick MD Real Estate</title>
      <description>&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;frederick md real estate&quot; target=&quot;_blank&quot;&gt;Frederick MD Real Estate&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Background:&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;-Largest County in Maryland&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;-Population est. 232K in 2008&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;-Convenient to D.C. and Baltimore&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Why to consider Frederick Maryland for you next home?&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Rich in History&lt;/span&gt;- Monocacy Battlefield, South Mountain Battlefields,&lt;/strong&gt; &lt;strong&gt;National Museum of Civil War Medicine&lt;/strong&gt;, &lt;strong&gt;Historic downtown Frederick, Brunswick Railroad Museum&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Parklands&lt;/span&gt;- Catoctin Mountain Park, Chesapeake and Ohio Canal National Historical Park, Gambrill Park&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Large Employment base&lt;/span&gt;- Fort Detrick, SAIC, Bechtel, Frederick Memorial Healthcare System, and more&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Entertainment/Activities&lt;/span&gt;- Weinberg Center for the Performing Arts , Fishing, Hunting, Hiking, many festivals, shopping, nighttime scene bars/clubs, wide range of dining opportunities, Frederick Keys Professional Baseball, Ice skating&amp;nbsp;and much more. &lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Colleges/Education&lt;/span&gt;- Hood College, Mount Saint Marys University, Frederick Community College, Great Public and Private School system&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;All&amp;nbsp;types of homes to choose from&lt;/span&gt;- Historic homes, townhomes, condos, farms, luxury, new and old community subdivision, waterfront, homes on open farm lots or wooded mountain lots, and more. &lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;Find you &lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;frederick county home&quot; target=&quot;_blank&quot;&gt;Frederick County Home Here&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;strong&gt;Visit &lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;hagerstown real estate&quot; target=&quot;_blank&quot;&gt;Hagerstown Real Estate&lt;/a&gt;&amp;nbsp;nearby&lt;/strong&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Mon, 29 Jun 2009 20:02:51 -0500</pubDate>
      <link>http://activerain.com/blogsview/1134288/frederick-md-real-estate</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1118075/middletown-maryland-real-estate-market-update</guid>
      <title>Middletown Maryland Real Estate Market Update</title>
      <description>&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://www.realtorcraigs.com/middletown.html&quot; title=&quot;middletown md real estate&quot; target=&quot;_blank&quot;&gt;Middletown MD Real Estate&lt;/a&gt; Market Update&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;Currently there are 75 active residential listings in Middletown with an average list price of $520,376 and average days on the market of 194. In addition 33 properties are under contract.&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;The following months show the number of sold properties in Middletown&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;February -&amp;nbsp; 7&amp;nbsp;&amp;nbsp; Avg. Sold Price- $392,779&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;March - 9&amp;nbsp; Avg. Sold Price- $386,811&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;April - 7 Avg. Sold Price- $309,914&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;As of today there have been 38 sold properties in Middletown so far in 2009. The lowest priced sale was $169,000 and highest sale was $800,000.&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;middletown md homes&quot; target=&quot;_blank&quot;&gt;Search Middletown Homes for sale&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Tue, 16 Jun 2009 20:12:50 -0500</pubDate>
      <link>http://activerain.com/blogsview/1118075/middletown-maryland-real-estate-market-update</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1104233/washington-and-frederick-county-short-sale-and-foreclosures</guid>
      <title>Washington and Frederick County Short Sale and Foreclosures</title>
      <description>&lt;h3&gt;Searching for great value on your next home in &lt;a href=&quot;http://www.realtorcraigs.com/frederick.html&quot;&gt;Frederick&lt;/a&gt;, &lt;a href=&quot;http://www.realtorcraigs.com/hagerstown.html&quot;&gt;Hagerstown&lt;/a&gt; and the surrounding areas. The number of short sales and foreclosures are at a all time high and may be just what you are looking for.&lt;/h3&gt;&lt;p&gt;&lt;p&gt;

Currently in Washington County MD there are 54 foreclosures listed from $44,900 to $299,900. In addition there are 97 short sales listed from $40,000 to $449,000&lt;p&gt;

Currently in Frederick County MD there are 68 Foreclosures from $73,800 to $899,900. In addition there are 172 short sales listed from $70,000 to $995,000&lt;p&gt;

&lt;center&gt;&lt;a href=&quot;http://www.2hdb.com/craigsmith&quot;&gt;Search homes for sale in MD&lt;/a&gt;&lt;/center&gt;&lt;p&gt;







&lt;a href=&quot;http://www.realtorcraigs.com&quot;&gt;Hagerstown Short Sales and Foreclosures&lt;/a&gt;&lt;p&gt;

&lt;a href=&quot;http://www.realtorcraigs.com/buying.html&quot;&gt;Frederick Short Sales and Foreclosures&lt;/a&gt;&lt;p&gt;&lt;p&gt;&lt;p&gt;&lt;p&gt;&lt;p&gt;





Disclaimer: Data obtain from local MLS. Information deemed reliable but not guaranteed
</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Sat, 06 Jun 2009 08:29:59 -0500</pubDate>
      <link>http://activerain.com/blogsview/1104233/washington-and-frederick-county-short-sale-and-foreclosures</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1104218/short-sales-and-forelcosure-listings-in-berkeley-county-and-jefferson-county-wv</guid>
      <title>Short Sales and Forelcosure listings in Berkeley County and Jefferson County WV</title>
      <description>&lt;p&gt;Searching for great value on your next &lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;charles town WV foreclosures&quot; target=&quot;_blank&quot;&gt;home in Martinsburg&lt;/a&gt;, Charles Town and the surrounding areas. The number of short sales and foreclosures are at a all time high and may be just what you are looking for.&lt;/p&gt;
&lt;p&gt;Currently in Berkeley County WV there are&amp;nbsp;88 Foreclosures from $24,900 to $349,900. In addition there are 89 short sales listed from $47,250 to $369,000&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Currently in Jefferson County WV there are&amp;nbsp;44 Foreclosures from $70,000 to $385,000. In addition there are&amp;nbsp;41 short sales listed from $79,900 to $409,000&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;homes for sale martinsburg&quot;&gt;Search homes for sale in WV&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;charles town WV short sales&quot; target=&quot;_blank&quot;&gt;Charles Town Short Sales and Foreclosures&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com/buying.html&quot; title=&quot;buying homes in WV&quot; target=&quot;_blank&quot;&gt;Martinsburg Short Sales and Foreclosures&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Disclaimer: Data obtain from local MLS. Information deemed reliable but not guaranteed&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Sat, 06 Jun 2009 08:13:59 -0500</pubDate>
      <link>http://activerain.com/blogsview/1104218/short-sales-and-forelcosure-listings-in-berkeley-county-and-jefferson-county-wv</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1104199/another-successful-martinsburg-short-sale-closed-</guid>
      <title>Another successful Martinsburg Short Sale Closed </title>
      <description>&lt;p&gt;&lt;strong&gt;That's right another &lt;/strong&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com/&quot; title=&quot;short sale Martinsburg WV&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;short sale in Martinsburg&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt; has been successfully closed.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Sale price $190K - original loan amounts with a 1st and 2nd bank near $375K&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;img title=&quot;martinsburg WV short sale&quot; src=&quot;http://activerain.com/image_store/uploads/8/5/8/4/5/ar124429118554858.jpg&quot; height=&quot;225&quot; alt=&quot;martinsburg WV short sale&quot; width=&quot;284&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;Has your home value decreased?&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;Is is your loan amount greater than the current value?&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;Do you have to sell now due to any number of hardships (divorce, death, relocation, job loss, etc...)?&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;If so a short sale may be&amp;nbsp;an option and can prevent a foreclosure.&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Contact me to discuss discuss if a short sale may be right for you&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;Servicing Berkeley and Jefferson Counties in West Virginia and Frederick and Washington Counties in Maryland&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;martinsburg homes&quot; target=&quot;_blank&quot;&gt;Search Homes for Sale in Martinsburg&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;frederick md short sales&quot; target=&quot;_blank&quot;&gt;Frederick MD Short Sales&lt;/a&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com/Selling.html&quot; title=&quot;hagerstown md short sale&quot; target=&quot;_blank&quot;&gt;Hagerstown MD Short Sales&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;Disclaimer -&amp;nbsp; Any sales transcation&amp;nbsp;may have tax and/or legal implications including short sales.&amp;nbsp;&amp;nbsp;We&amp;nbsp;recommend you to consult appropriate legal and financial advice if you have any questions.&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Sat, 06 Jun 2009 07:53:27 -0500</pubDate>
      <link>http://activerain.com/blogsview/1104199/another-successful-martinsburg-short-sale-closed-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1083367/shannondale-lots-53-54-wild-hare-rd-harpers-ferry-wv-25425</guid>
      <title>Shannondale Lots 53 &amp; 54 WILD HARE RD, HARPERS FERRY, WV  25425</title>
      <description>&lt;p&gt;&lt;a href=&quot;http://www.realtorcraigs.com/&quot; title=&quot;Shannondale WV&quot; target=&quot;_blank&quot;&gt;Shannondale Harpers Ferry WV Real Estate&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Great opportunity to own your own private lots at an affordable price. Lots #53&amp;amp;54. Near Shenandoah River. Buyer to verify building potential. Unsucessful perk a long time ago. Lot size approx. Great area for the outdoor enthusiasts to enjoy nature, fishing, hunting, hiking, boating and much more. Minutes to Charles Town and the Slots and Race Track.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;Harpers Ferry WV land&quot; src=&quot;http://activerain.com/image_store/uploads/8/4/7/3/0/ar124282371703748.JPG&quot; height=&quot;225&quot; alt=&quot;Harpers Ferry WV land&quot; width=&quot;300&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.realtorcraigs.com/currentlistings.html&quot; title=&quot;Jefferson WV real estate&quot; target=&quot;_blank&quot;&gt;Jefferson County Real Estate&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;Jefferson WV Homes&quot; target=&quot;_blank&quot;&gt;Search Homes for Sale in WV&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Wed, 20 May 2009 08:03:41 -0500</pubDate>
      <link>http://activerain.com/blogsview/1083367/shannondale-lots-53-54-wild-hare-rd-harpers-ferry-wv-25425</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1072118/9438-morning-walk-dr-hagerstown-md-21740</guid>
      <title>9438 Morning Walk Dr., Hagerstown, MD 21740</title>
      <description>&lt;p&gt;&lt;a href=&quot;http://www.realtorcraigs.com/&quot; title=&quot;Hagerstown short sales&quot; target=&quot;_blank&quot;&gt;Short Sale Hagerstown Maryland&lt;/a&gt;&amp;nbsp;- &lt;a href=&quot;http://www.hagerstown-real-estate.com/&quot; title=&quot;Home sale in Hagerstown&quot; target=&quot;_blank&quot;&gt;Hagerstown Homes&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;- Beautiful and well kept townhome style end unit in &lt;a href=&quot;http://www.westfieldsofhagerstown.org/&quot; title=&quot;Westfields Hagerstown&quot; target=&quot;_blank&quot;&gt;WestFields community&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;- 3BR 2 Full 2 Half Baths&lt;/p&gt;
&lt;p&gt;- 1 Car Garage&lt;/p&gt;
&lt;p&gt;- Mostly Finished Basement / Recreation Room&lt;/p&gt;
&lt;p&gt;- Hardwood Floors in kitchen, dining room and sunroom&lt;/p&gt;
&lt;p&gt;- Sunroom and&amp;nbsp;Patio overlooking open space&lt;/p&gt;
&lt;p&gt;- Master suite w/ valuted ceiling and walk in closet&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;hagerstown homes for sale&quot; src=&quot;http://activerain.com/image_store/uploads/6/2/7/0/1/ar124209099510726.jpg&quot; height=&quot;188&quot; alt=&quot;hagerstown homes for sale&quot; width=&quot;250&quot; /&gt;&amp;nbsp; &lt;img title=&quot;hagerstown short sale&quot; src=&quot;http://activerain.com/image_store/uploads/8/4/8/7/3/ar124209108337848.jpg&quot; height=&quot;188&quot; alt=&quot;hagerstown short sale&quot; width=&quot;250&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;hagerstown realtor&quot; src=&quot;http://activerain.com/image_store/uploads/9/4/2/6/8/ar124209115786249.JPG&quot; height=&quot;188&quot; alt=&quot;hagerstown realtor&quot; width=&quot;250&quot; /&gt;&amp;nbsp; &lt;img title=&quot;washington County MD homes&quot; src=&quot;http://activerain.com/image_store/uploads/7/5/9/3/4/ar124209122843957.jpg&quot; height=&quot;188&quot; alt=&quot;washington County MD homes&quot; width=&quot;250&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.2hdb.com/craigsmith&quot; title=&quot;hagerstown real estate&quot; target=&quot;_blank&quot;&gt;Search Homes for sale in Hagerstown&lt;/a&gt; and surrounding areas&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://activerain.com/craigsmith&quot; title=&quot;Hagerstown Realtor&quot; target=&quot;_blank&quot;&gt;Hagerstown REALTOR&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Mon, 11 May 2009 20:29:30 -0500</pubDate>
      <link>http://activerain.com/blogsview/1072118/9438-morning-walk-dr-hagerstown-md-21740</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/986481/frederick-county-md-foreclosure-down-payment-closing-cost-assistance-program</guid>
      <title>Frederick County MD Foreclosure down payment / closing cost assistance program</title>
      <description>&lt;p&gt;A wonderful program has just been introduced in &lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;frederick maryland home buyers&quot; target=&quot;_blank&quot;&gt;Frederick Maryland for homebuyers&lt;/a&gt; of foreclosed homes.&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;This is the Frederick County Neighborhood Conservation Initiative&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;The Neighborhood Conservation Initiative (NCI) is a federally funded program that provides assistance to families that would like to buy a previously foreclosed home in targeted zip codes (areas with a high number of foreclosures).&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;The NCI program provides deferred loans that can be used for down payments and closing costs.&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;What are the basic eligibility requirements?&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;1. Purchase a foreclosed home in Zip codes 21701, 21702, 21703 (All Frederick) or 21716 (Brunswick)&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;2. The home must be used as your primary residence&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;3. Your household income must be at or below 120% of the median income for the Washington Metro statisical area - currently about $118,000 a year for a family of four.&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;4. You must complete a Homebuyer EducationProgram conducted by the Frederick Community Action Agency.&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;5. You must pre-qualify for a conventional mortgage&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;So how much credit is proposed?&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;$10,000 or $20,000 in within Frederick city limits&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;Also if you are an employee of targeted groups this amount goes up to:&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;$20,000 and $30,000&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;WOW! Plus the govt. $8000 can be used on top of all that.&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;What are the targeted groups of employees?&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;1. &lt;a href=&quot;http://www.realtorcraigs.com/community.html&quot; title=&quot;frederick md community&quot; target=&quot;_blank&quot;&gt;Frederick City Govt.&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;2. &lt;a href=&quot;http://www.realtorcraigs.com/frederick.html&quot; title=&quot;frederick city md&quot; target=&quot;_blank&quot;&gt;City of Frederick&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;3. &lt;a href=&quot;http://www.realtorcraigs.com/brunswick.html&quot; title=&quot;brunswick md&quot; target=&quot;_blank&quot;&gt;City of Brunswick&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;4. &lt;a href=&quot;http://www.realtorcraigs.com/schools.html&quot; title=&quot;Frederick Schools&quot; target=&quot;_blank&quot;&gt;Frederick County Public Schools&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;5. Frederick Memorial Hospital&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;6. &lt;a href=&quot;http://www.frederick.edu/&quot; title=&quot;frederick community college&quot; target=&quot;_blank&quot;&gt;Frederick Community College&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;7. Maryland State Police&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;8. Frederick County Volunteer Fire and Rescue Association&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;Contact me for more details&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Mon, 16 Mar 2009 12:01:44 -0500</pubDate>
      <link>http://activerain.com/blogsview/986481/frederick-county-md-foreclosure-down-payment-closing-cost-assistance-program</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/937712/64-hogan-dr-martinsburg-wv-25405</guid>
      <title>64 Hogan Dr. Martinsburg, WV 25405</title>
      <description>&lt;p&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;martinsburg real estate&quot; target=&quot;_blank&quot;&gt;Martinsburg WV Real Estate&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;-Gorgeous home w/many upgrades&amp;nbsp;including Granite Countertops, Ceramic tile &amp;amp; Hardwood floors. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;-List Price: $220,000&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;-4 Bedrooms 2.5 Baths&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;-2 Car garage&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;-Beautiful sunroom addition&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;-Fully Finished Basement&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;-Fenced backyard w/ playset&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;-Enjoy BBQs from the deck overlooking open space&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;-Located in the &lt;a href=&quot;http://stonebridgegolfcoursewv.com/&quot; title=&quot;stonebridge community wv&quot; target=&quot;_blank&quot;&gt;Stonebridge Golf course&lt;/a&gt; community&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;-Subject to third party approval&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;martinsburg real estate&quot; src=&quot;http://activerain.com/image_store/uploads/4/3/3/6/3/ar123499717636334.jpg&quot; height=&quot;188&quot; alt=&quot;martinsburg real estate&quot; width=&quot;265&quot; /&gt;&amp;nbsp; &lt;img title=&quot;martinsburg short sale&quot; src=&quot;http://activerain.com/image_store/uploads/9/2/2/3/4/ar123484158243229.jpg&quot; height=&quot;188&quot; alt=&quot;martinsburg short sale&quot; width=&quot;273&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;martinsburg wv homes&quot; src=&quot;http://activerain.com/image_store/uploads/2/6/4/3/5/ar123484164153462.jpg&quot; height=&quot;188&quot; alt=&quot;martinsburg wv homes&quot; width=&quot;262&quot; /&gt;&amp;nbsp; &lt;img title=&quot;martinsburg homes for sale&quot; src=&quot;http://activerain.com/image_store/uploads/8/3/2/4/1/ar123484170614238.jpg&quot; height=&quot;188&quot; alt=&quot;martinsburg homes for sale&quot; width=&quot;275&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;short sales in Berkeley County&quot; src=&quot;http://activerain.com/image_store/uploads/1/7/7/5/6/ar123499729265771.jpg&quot; height=&quot;190&quot; alt=&quot;short sales in Berkeley County&quot; width=&quot;262&quot; /&gt;&amp;nbsp; &lt;img title=&quot;berkeley county real estate&quot; src=&quot;http://activerain.com/image_store/uploads/5/8/7/2/3/ar123499753332785.jpg&quot; height=&quot;191&quot; alt=&quot;berkeley county real estate&quot; width=&quot;270&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://activerain.com/blogsview/754393/Martinsburg-and-Charles-Town-WV-Short-Sales&quot; title=&quot;short sales in Martinsburg&quot; target=&quot;_blank&quot;&gt;Martinsburg Short sales&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;TEXT-ALIGN: center;&quot;&gt;&lt;a href=&quot;http://www.homesdatabase.com/craigsmith&quot; title=&quot;martinsburg homes&quot; target=&quot;_blank&quot;&gt;Search Homes for sale in Martinsburg&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;TEXT-ALIGN: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;TEXT-ALIGN: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;TEXT-ALIGN: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com/buying.html&quot; title=&quot;hagerstown real estate&quot; target=&quot;_blank&quot;&gt;Hagerstown real estate&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.realtorcraigs.com/&quot; title=&quot;frederick real estate&quot; target=&quot;_blank&quot;&gt;Frederick real estate&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;TEXT-ALIGN: center;&quot;&gt;&lt;a href=&quot;http://www.homesdatabase.com/craigsmith&quot; title=&quot;martinsburg homes&quot; target=&quot;_blank&quot;&gt;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Mon, 16 Feb 2009 21:47:06 -0600</pubDate>
      <link>http://activerain.com/blogsview/937712/64-hogan-dr-martinsburg-wv-25405</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/936156/2500-shelley-cir-1-1a-frederick-nd-21703-ridgeview-condos</guid>
      <title>2500 SHELLEY CIR #1-1A Frederick, ND 21703 - Ridgeview Condos</title>
      <description>&lt;p&gt;&lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;Frederick condos&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;Frederick Maryland Condo&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&amp;nbsp;in the Whittier area for Rent&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;* Only $1150/mo&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;* Beautiful freshly painted and cleaned 1st floor condo&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;* 2 Bedroom 2 Baths&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;*&amp;nbsp;1 car garage&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;*Spacious floor plan&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;*Close to Fort Detrick, commuter routes and shopping. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;*Sunroom off kitchen&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;*Security on front door with separate lock and intercom. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;*Washer and Dryer included&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;*Community Amenities include Swimming Pools, parks, playgrounds and more. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;*You'll love it&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;whittier condo frederick&quot; src=&quot;http://activerain.com/image_store/uploads/5/4/9/5/4/ar123480148645945.JPG&quot; height=&quot;199&quot; alt=&quot;whittier condo frederick&quot; width=&quot;266&quot; /&gt;&amp;nbsp;&lt;img title=&quot;frederick condo&quot; src=&quot;http://activerain.com/image_store/uploads/5/5/1/7/9/ar123480154597155.JPG&quot; height=&quot;197&quot; alt=&quot;frederick condo&quot; width=&quot;272&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;frederick real estate&quot; src=&quot;http://activerain.com/image_store/uploads/7/8/2/5/1/ar12348016015287.JPG&quot; height=&quot;195&quot; alt=&quot;frederick real estate&quot; width=&quot;263&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Search &lt;a href=&quot;http://www.homesdatabase.com/craigsmith&quot; title=&quot;frederick homes&quot; target=&quot;_blank&quot;&gt;homes for sale or rent&amp;nbsp;in Frederick&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Mon, 16 Feb 2009 10:31:18 -0600</pubDate>
      <link>http://activerain.com/blogsview/936156/2500-shelley-cir-1-1a-frederick-nd-21703-ridgeview-condos</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/868669/hagerstown-maryland-real-estate-residential-homes-market-report-2008</guid>
      <title>Hagerstown Maryland Real Estate Residential Homes Market Report 2008</title>
      <description>&lt;p&gt;Well 2008 has come to an here is home the&amp;nbsp;&lt;a href=&quot;http://www.hagerstown-real-estate.com/&quot; title=&quot;Hagerstown Md real estate&quot; target=&quot;_blank&quot;&gt;Hagerstown Maryland Real Estate&lt;/a&gt; Market fared.&lt;/p&gt;
&lt;p&gt;Here is a snapshot of residential &lt;a href=&quot;http://www.hagerstown-real-estate.com/hagerstown.html&quot; title=&quot;Hagerstown md homes&quot; target=&quot;_blank&quot;&gt;home sales in&amp;nbsp;Hagerstown MD&lt;/a&gt; over the past 5 years&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Homes sold&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;2004-1343&lt;/p&gt;
&lt;p&gt;2005-1559&lt;/p&gt;
&lt;p&gt;2006-1136&lt;/p&gt;
&lt;p&gt;2007-847&lt;/p&gt;
&lt;p&gt;2008-740&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Average Price&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;2004-$188,204&lt;/p&gt;
&lt;p&gt;2005-$241,273&lt;/p&gt;
&lt;p&gt;2006-$246,659&lt;/p&gt;
&lt;p&gt;2007-$234,255&lt;/p&gt;
&lt;p&gt;2008-$214,981&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Days on the Market&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;2004-48&lt;/p&gt;
&lt;p&gt;2005-43&lt;/p&gt;
&lt;p&gt;2006-90&lt;/p&gt;
&lt;p&gt;2007-148&lt;/p&gt;
&lt;p&gt;2008-164&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;As you can see the number of sales have greatly decreased and&amp;nbsp;days on the market have greatly increased over the past years. In addition average prices in&amp;nbsp;Hagerstown are declining and only now above 2004 levels.&lt;/p&gt;
&lt;p&gt;Currently the home inventory in&amp;nbsp;Hagerstown is at 781.&lt;/p&gt;
&lt;p&gt;My prediction for 2009 will be more of the same of what we saw in 2008 although many factors can influence the outcome. We'll have to wait and see.&lt;/p&gt;
&lt;p&gt;RATES are fantastic now, for one thing and buyers do seem to be coming back out!&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;&lt;a href=&quot;http://www.homesdatabase.com/craigsmith&quot; title=&quot;middletown md properties&quot; target=&quot;_blank&quot;&gt;Search properties in&amp;nbsp;Hagerstown MD&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Tue, 06 Jan 2009 20:44:32 -0600</pubDate>
      <link>http://activerain.com/blogsview/868669/hagerstown-maryland-real-estate-residential-homes-market-report-2008</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/868655/middletown-md-real-estate-residential-home-year-end-market-report</guid>
      <title>Middletown MD Real Estate Residential Home Year End Market Report</title>
      <description>&lt;p&gt;Well 2008 has come to an here is home the &lt;a href=&quot;http://www.realtorcraigs.com/middletown.html&quot; title=&quot;Middletown Md real estate&quot; target=&quot;_blank&quot;&gt;Middletown Maryland Real Estate&lt;/a&gt; Market fared.&lt;/p&gt;
&lt;p&gt;Here is a snapshot of residential &lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;middletown md homes&quot; target=&quot;_blank&quot;&gt;home sales in Middletown MD&lt;/a&gt; over the past 5 years&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Homes sold&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;2004-177&lt;/p&gt;
&lt;p&gt;2005-148&lt;/p&gt;
&lt;p&gt;2006-131&lt;/p&gt;
&lt;p&gt;2007-97&lt;/p&gt;
&lt;p&gt;2008-96&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Average Price&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;2004-$363,374&lt;/p&gt;
&lt;p&gt;2005-$489,388&lt;/p&gt;
&lt;p&gt;2006-$502,535&lt;/p&gt;
&lt;p&gt;2007-$450,636&lt;/p&gt;
&lt;p&gt;2008-$420,302&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Days on the Market&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;2004-44&lt;/p&gt;
&lt;p&gt;2005-57&lt;/p&gt;
&lt;p&gt;2006-94&lt;/p&gt;
&lt;p&gt;2007-120&lt;/p&gt;
&lt;p&gt;2008-125&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;As you can see the number of sales have decreased and&amp;nbsp;days on the market have increased over the past years. In addition average prices in Middletown are declining and only now above 2004 levels.&lt;/p&gt;
&lt;p&gt;Currently the home inventory in Middletown is at 88.&lt;/p&gt;
&lt;p&gt;My prediction for 2009 will be more of the same of what we saw in 2008 although many factors can influence the outcome. We'll have to wait and see.&lt;/p&gt;
&lt;p&gt;RATES are fantastic now, for one thing and buyers do seem to be coming back out!&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;&lt;a href=&quot;http://www.homesdatabase.com/craigsmith&quot; title=&quot;middletown md properties&quot; target=&quot;_blank&quot;&gt;Search properties in Middletown MD&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Tue, 06 Jan 2009 20:32:02 -0600</pubDate>
      <link>http://activerain.com/blogsview/868655/middletown-md-real-estate-residential-home-year-end-market-report</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/821399/166-watercourse-dr-ranson-wv-25438</guid>
      <title>166 Watercourse Dr Ranson, WV 25438</title>
      <description>&lt;p&gt;&amp;nbsp;&lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;charles town short sale&quot;&gt;Short sale in Charles Town WV&lt;/a&gt; area.&lt;/p&gt;
&lt;p&gt;-Currently Model Home for builder w/ a current lease of $3000/mo.&lt;/p&gt;
&lt;p&gt;-List Price $279,990&lt;/p&gt;
&lt;p&gt;-4 Bedroom 2 Full 2 Half Baths&lt;/p&gt;
&lt;p&gt;-Beautiful Shenandoah Springs Community&lt;/p&gt;
&lt;p&gt;-Gorgeous home with all the perks.&lt;/p&gt;
&lt;p&gt;-Granite counter tops, ceramic tile floors, hardwood floors, sunroom, 42&quot; cabinets, stainless steel appliance, finished basement rec room&lt;/p&gt;
&lt;p&gt;-Great investment opportunity!&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;charles town WV homes&quot; src=&quot;http://activerain.com/image_store/uploads/8/4/4/9/2/ar12284488829448.JPG&quot; height=&quot;204&quot; alt=&quot;charles town WV homes&quot; width=&quot;284&quot; /&gt;&amp;nbsp;&lt;img title=&quot;ranson wv real estate&quot; src=&quot;http://activerain.com/image_store/uploads/8/3/6/9/1/ar122844896219638.JPG&quot; height=&quot;204&quot; alt=&quot;ranson wv real estate&quot; width=&quot;282&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;charles town wv real estate&quot; src=&quot;http://activerain.com/image_store/uploads/4/3/0/5/2/ar122844922525034.JPG&quot; height=&quot;207&quot; alt=&quot;charles town wv real estate&quot; width=&quot;279&quot; /&gt;&lt;img title=&quot;shenandoah springs charles town&quot; src=&quot;http://activerain.com/image_store/uploads/4/4/4/5/8/ar122844940785444.JPG&quot; height=&quot;208&quot; alt=&quot;shenandoah springs charles town&quot; width=&quot;287&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;Search all &lt;a href=&quot;http://www.homesdatabase.com/craigsmith&quot; title=&quot;homes for sale charles town wv&quot;&gt;Charles Town WV homes for sale&lt;/a&gt; and other locations&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;Serving Jefferson &amp;amp;&amp;nbsp;Berkeley Co. WV and Washington and &lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;frederick md real estate&quot;&gt;Frederick County MD Real Estate&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Thu, 04 Dec 2008 22:06:06 -0600</pubDate>
      <link>http://activerain.com/blogsview/821399/166-watercourse-dr-ranson-wv-25438</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/799446/martinsburg-home-values-berkeley-county-west-virginia</guid>
      <title>Martinsburg Home Values - Berkeley County West Virginia</title>
      <description>&lt;p&gt;Wanting to know the value of your &lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;martinsburg WV real estate&quot; target=&quot;_blank&quot;&gt;home in Martinsburg WV&lt;/a&gt; or the surrounding areas such as Falling Waters, Inwood, Hedgesville and more. Send me the &lt;a href=&quot;http://www.hagerstown-real-estate.com/CMArequest.html&quot; title=&quot;martinsburg home values&quot; target=&quot;_blank&quot;&gt;details of your home&lt;/a&gt; and I will send you a FREE competitive market analysis to give you a general idea of its value.&lt;/p&gt;
&lt;p&gt;You may be looking&amp;nbsp;to&amp;nbsp;sell now or 5 years fro now. It doesn't matter.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;img title=&quot;keller williams realty martinsburg&quot; src=&quot;http://activerain.com/image_store/uploads/4/6/5/7/3/ar122720658137564.jpg&quot; height=&quot;89&quot; alt=&quot;keller williams realty martinsburg&quot; width=&quot;300&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://www.homesdatabase.com/craigsmith&quot; target=&quot;_blank&quot;&gt;Search homes for Sale&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com/currentlistings.html&quot; title=&quot;Martinsburg WV Real Estate&quot; target=&quot;_blank&quot;&gt;Martinsburg Real Estate&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;frederick real estate&quot; target=&quot;_blank&quot;&gt;Frederick Real Estate&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Thu, 20 Nov 2008 12:45:05 -0600</pubDate>
      <link>http://activerain.com/blogsview/799446/martinsburg-home-values-berkeley-county-west-virginia</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/799424/short-sales-in-martinsburg-charles-town-or-hagerstown-what-do-need-to-do-first-</guid>
      <title>Short sales in Martinsburg, Charles Town, or Hagerstown - What do need to do first?</title>
      <description>&lt;p&gt;If your loan amount is now higher than what your &lt;a href=&quot;http://www.hagerstown-real-estate.com/CMArequest.html&quot; title=&quot;home value martinsburg&quot; target=&quot;_blank&quot;&gt;home is worth in Martinsburg&lt;/a&gt;, Hagerstown, Charles Town, Frederick or the surrounding areas and you need to sell, contact me to discuss your option of a short sale.&lt;/p&gt;
&lt;p&gt;Many people are unfamiliar with the short sale process and may think foreclosure is their only option. For example I recently sold a&amp;nbsp;&lt;a href=&quot;http://www.hagerstown-real-estate.com&quot; title=&quot;martinsburg homes&quot; target=&quot;_blank&quot;&gt;Martinsburg home&lt;/a&gt; for $240K which the loan amount was for&amp;nbsp;around $350K. This is a $110K difference that the bank accepted.&lt;/p&gt;
&lt;p&gt;Here are the first initial steps you may want to take to see if a short sale will work for you.&lt;/p&gt;
&lt;p&gt;1. Contact your lender. If one than one bank is involved, contact each one. Ask to speak to the loss mitigation department, short sale dept. or whomever may handle the short sale.&amp;nbsp; It may take a talking to a few people before you get in touch with the right one. Have you loan number ready to give them.&lt;/p&gt;
&lt;p&gt;2. Let the bank know the reason you need to sell and your intention of doing a short sale. Get their feeling of if they are open to the idea.&lt;/p&gt;
&lt;p&gt;3. Ask the bank what you will need to provide them.&lt;/p&gt;
&lt;p&gt;4. As a real estate agent, I am not licensed as a lawyer nor a CPA and cannot advise on legal advice or tax ramifications. So if you have questions regarding these issues please contact them.&lt;/p&gt;
&lt;p&gt;5. &lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;hagerstown real estate agent&quot; target=&quot;_blank&quot;&gt;Call me&lt;/a&gt; to discuss further the short sale process and the marketing of your home.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;img title=&quot;frederick real estate agent&quot; src=&quot;http://activerain.com/image_store/uploads/3/0/3/4/7/ar122720550474303.jpg&quot; height=&quot;60&quot; alt=&quot;frederick real estate agent&quot; width=&quot;96&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;img title=&quot;keller williams realty frederick&quot; src=&quot;http://activerain.com/image_store/uploads/1/7/1/7/6/ar122720556467171.jpg&quot; height=&quot;89&quot; alt=&quot;keller williams realty frederick&quot; width=&quot;300&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://www.homesdatabase.com/craigsmith&quot; title=&quot;homes in frederick&quot; target=&quot;_blank&quot;&gt;Search homes for sale in Hagerstown, Frederick, Martinsburg, and Charles Town&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;frederick md short sale&quot; target=&quot;_blank&quot;&gt;Short sales Frederick MD&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com/buying.html&quot; title=&quot;martinsburg wv homes&quot; target=&quot;_blank&quot;&gt;Short sales Martinsburg&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Thu, 20 Nov 2008 12:32:00 -0600</pubDate>
      <link>http://activerain.com/blogsview/799424/short-sales-in-martinsburg-charles-town-or-hagerstown-what-do-need-to-do-first-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/775596/washington-county-hagerstown-short-sales-are-they-right-for-me-</guid>
      <title>Washington County - Hagerstown Short Sales...Are they right for me.</title>
      <description>&lt;p&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com/&quot; title=&quot;Hagerstown short sale real estate&quot; target=&quot;_blank&quot;&gt;Hagerstown Short Sale&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;Is a short sale right for me?&lt;/p&gt;
&lt;p&gt;This has become a hot topic in the real estate market today.&amp;nbsp; Since home prices have fallen many homeowners that bought in recent years or refinance now owe more on their home than what it is worth. If you now need to sell because of a divorce, change in your payments due to an ARM, relocation, or any number of other&amp;nbsp;distressed situation&amp;nbsp;you are faced with possibly needing to sell for less than your loan amount. Unless you have money to cover the difference from the possible sales price you may be looking at a foreclosure, bankruptcy, or a short sale.&lt;/p&gt;
&lt;p&gt;The &lt;a href=&quot;http://investing.businessweek.com/research/stocks/snapshot/snapshot.asp?capId=4370589&quot;&gt;National Association of Realtors&lt;/a&gt; estimates that 40% of all homes sold today are distressed situations-either short sales or foreclosures.&lt;/p&gt;
&lt;p&gt;So with a short sale&amp;nbsp;lenders&amp;nbsp;agree to accept the proceeds of a short sale and forgive the rest of what is owed on the mortgage. By accepting a short sale, the lender can avoid a lengthy and costly foreclosure process.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Things to consider:&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;How will it affect my credit?&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;Normally&amp;nbsp;a short sale will appear on a credit report as a settlement of the debt. Notice of the settlement will stay on the report for approx. 7 yrs. from the initial default date, but the impact on the credit score will not be as severe as a foreclosure or bankruptcy.&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Do I have to pay taxes on the difference that was relieve?&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;The Mortgage Forgiveness Debt Relief Act, passed recently, allows homeowners to avoid taxes on debt canceled on a primary residence.&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Can I do a short sale on a home that has a first and second mortgage?&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;Yes, but this makes&amp;nbsp;a short sales much more&amp;nbsp;difficult&amp;nbsp;if it involves another lender. The lender of the second mortgage often has to agree to a total loss.&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Can the lender make me pay the some or all of the difference?&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;The&amp;nbsp;lender can ask you to repay the debt but a homeowner doesn't have to agree. That is when you tell the lender to go ahead and foreclose. They are looking to avoid foreclosure expenses.&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;How long will the short sale process take?&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;After receiving an offer on your home the banks could take about 30-60 days or possibly longer before we hear communication back regarding an approval, counter or rejection. The entire process normally takes 2-4 months but can even be longer.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com/Selling.html&quot; title=&quot;washington county md homes&quot; target=&quot;_blank&quot;&gt;Contact me&lt;/a&gt; to see if your situation is ideal for a short sale in Hagerstown, Frederick, Martinsburg, Charles Town or the surrounding areas.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;Search &lt;a href=&quot;http://www.homesdatabase.com/craigsmith&quot; title=&quot;Hagerstown real estate&quot; target=&quot;_blank&quot;&gt;Short Sales in Hagerstown&lt;/a&gt; and other areas&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;img title=&quot;hagerstown homes for sale&quot; src=&quot;http://activerain.com/image_store/uploads/2/5/3/1/8/ar122591143681352.jpg&quot; height=&quot;60&quot; alt=&quot;hagerstown homes for sale&quot; width=&quot;96&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;img title=&quot;keller williams realty hagerstown&quot; src=&quot;http://activerain.com/image_store/uploads/4/5/7/4/0/ar122591148404754.jpg&quot; height=&quot;70&quot; alt=&quot;keller williams realty hagerstown&quot; width=&quot;340&quot; /&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;All information deemed reliable but not guaranteed&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: left;&quot;&gt;&lt;a href=&quot;http://www.realtorcraigs.com&quot; title=&quot;frederick md real estate&quot; target=&quot;_blank&quot;&gt;Frederick MD Real Estate&lt;/a&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Wed, 05 Nov 2008 13:03:05 -0600</pubDate>
      <link>http://activerain.com/blogsview/775596/washington-county-hagerstown-short-sales-are-they-right-for-me-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/764079/104-lombard-ln-bunker-hill-west-virginia-25413</guid>
      <title>104 Lombard Ln Bunker Hill, West Virginia 25413</title>
      <description>&lt;p&gt;&lt;strong&gt;
&lt;p&gt;&lt;a href=&quot;http://www.hagerstown-real-estate.com/&quot; title=&quot;bunker hill WV real estate&quot;&gt;Bunker Hill Real Estate&lt;/a&gt;&amp;nbsp;- Located in Berkeley County WV near Martinsburg&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Price: $125,000 MLS#- BE6908111&lt;/span&gt;&lt;/p&gt;
&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;- 3 Bedrooms 2.5 Baths&lt;/p&gt;
&lt;p&gt;- Built in 2005 and Barely lived in&lt;/p&gt;
&lt;p&gt;- Brick Front&lt;/p&gt;
&lt;p&gt;- Beautiful, clean, and well kept!&lt;/p&gt;
&lt;p&gt;- 3 Levels w/ finished basement&lt;/p&gt;
&lt;p&gt;- Master Suite w/walk-in closet&lt;/p&gt;
&lt;p&gt;- Convenient location near shopping and interstates&lt;/p&gt;
&lt;p&gt;- Short Sale- Subject to 3rd party approval&lt;/p&gt;
&lt;p&gt;- Currently Lowest priced home in Trout Run community&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;martinsburg real estate&quot; src=&quot;http://activerain.com/image_store/uploads/7/3/4/4/4/ar122524707944437.JPG&quot; height=&quot;218&quot; alt=&quot;martinsburg real estate&quot; width=&quot;289&quot; /&gt;&amp;nbsp;&lt;img title=&quot;bunker hill wv real estate&quot; src=&quot;http://activerain.com/image_store/uploads/5/4/9/1/4/ar122524717141945.JPG&quot; height=&quot;214&quot; alt=&quot;bunker hill wv real estate&quot; width=&quot;294&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title=&quot;martinsburg homes&quot; src=&quot;http://activerain.com/image_store/uploads/2/2/9/5/1/ar122524729115922.JPG&quot; height=&quot;225&quot; alt=&quot;martinsburg homes&quot; width=&quot;289&quot; /&gt;&amp;nbsp;&lt;img title=&quot;berkeley county wv real estate&quot; src=&quot;http://activerain.com/image_store/uploads/9/1/3/1/1/ar122524738111319.JPG&quot; height=&quot;225&quot; alt=&quot;berkeley county wv real estate&quot; width=&quot;300&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;Search all &lt;a href=&quot;http://www.homesdatabase.com/craigsmith&quot; title=&quot;martinsburg short sales&quot;&gt;homes for sale in Martinsburg&lt;/a&gt;, Bunker Hill and the surrounding areas&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;Martinsburg Short Sales&lt;/p&gt;</description>
      <dc:creator>Craig Smith, Frederick MD Real Estate (Keller Williams Realty)</dc:creator>
      <pubDate>Tue, 28 Oct 2008 21:35:42 -0500</pubDate>
      <link>http://activerain.com/blogsview/764079/104-lombard-ln-bunker-hill-west-virginia-25413</link>
    </item>
  </channel>
</rss>
