Karen Y. Copeland's Blog

Renter Beware!

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Tue, 27 Oct 2009 20:51:10 -0500

Don't be fooled by the beauty of the seemingly quiet Westchester at Contee Crossing Apartment complex. While the apartments are aesthetically pleasing to the eye the upkeep for the inside hallways leaves much to be desired. The cleaning crew can be seen "spot" cleaning the ceramic tile flooring every 2 months or so. Only when a complaint is made will they come out and really clean. Further, once you've made a complaint the management team does nothing and I repeat "NOTHING" to remedy the problem. We once found a used condom in the stairwell and reported it to the office. One week later the condom was still there. I went to the office and had one of the leasing representatives come with me to the stairwell where I showed them the USED condom. I was told it would be cleaned up immediately. Immediately in this complex means 3-5 days later. Also, when you sign your lease it's extremely clear what you can and cannot do on the property. However, some residents are allotted apparent preferential treatment and can do whatever they like. The majority of the residents are considerate but there are a few that aren't. Again, if you complain to management NOTHING will be done. We have been plagued with noise outside of bedroom windows in the summer months by some inconsiderate residents. You expect some noise because the weather is nice, however, after 10:00 p.m. the noise should cease. Unfortunately, there are some residents that either can't read or just don't care. I have personally witnessed people shooting cramps on the sidewalk at 3:00 a.m., men sitting on the retaining wall drinking beer, talking loudly at 1:30 a.m. You can call the police who will respond but the residents will disburse only to return once the police have left. There are residents who are in direct violation of their lease when it comes to cleaning up waste from their dog. I complained about it and management told the resident it was me that complained and it resulted in an altercation with that resident in the breeze way. Many times management was alerted to these issues and others and their response was "we can't correct things unless we are made aware". Once made aware management AGAIN does nothing to correct the problem...rather they add to it. The apartment complex is roughly at 50% capacity. It appears that as fast as leasing gets a new tenant another tenant is leaving of their own accord or they are being evicted. I haven't met a single person that has renewed their lease. I have however met quite a few residents that have also made complaints to management and now realize that it's futile. While I know it's wrong to stop paying your rent I can honestly say that I understand such drastic measures in dealing with Westchester at Contee Crossing. Management is extremely lazy. Most days the community manager can be found outside of the leasing office smoking in the garage. You can bring your issues to the leasing office but understand that NOTHING will be done to alleviate the issue. I am speaking from my own personal experience. I went over the head of the community manager (smoker in garage) to the operations manager because of the noise coming from the apartment below us. I sent two letters to this individual with no response until I sent the same two letters to her supervisor. She responded to my letters at this time but did NOTHING to address my issues with the apartment. Instead she spent most of her time explaining to me in an email that I can't break my lease. Westchester will be all smiles to get you to sign the lease for the "luxury" apartment...remember the condom in the stairwell? The community manager did listen to my concerns and actually appeared to care and want to assist. However, she lied to my face after my fourth letter regarding the same issue. My frustration level is off the charts! Too bad for me as I've signed a lease for one year and there's not much I can do about it. I have consulted with an Attorney who did advise that I am entitled to the covenant of quiet enjoyment...which I have constantly reminded management to no avail. I feel like my hands are tied and I'm royally SCREWED. Think long and hard before signing a lease with Westchester at Contee Crossing.

Before the Showings

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Wed, 03 Sep 2008 09:56:13 -0500

Educate Your Sellers before the Showings

Design a simple one-page "What to do Before the Realtor & Prospective Buyer Arrives" step-by-step outline about what to do prior to a showing and give it to your sellers with instructions to follow the steps for EACH showing. The instructions should be polite but firm and should include, but not be limited to:

Minimize sound (turn off the television)
Maximize light (open all blinds and turn on all lights)
Accentuate favorable smells without overwhelming
Eliminate dirt (vacuum and dust)
Spruce up the walk way (sweep the porch, shake out the Welcome mat)
Minimize clutter (pick up the newspapers/magazines, mail and put away dishes)
Remove all invaders (hide the pet, get rid of grandma, and leave the premises)

You don't want to offend the sellers, but you DO want to educate them and insist your short list of instruction is followed every time their property is shown. Leave no doubt...and no doubt you'll have better showings.

Home Buyer's Seminar in Bowie, Maryland

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Wed, 13 Aug 2008 10:18:22 -0500

Home Buyer's Seminar

Have you thought about buying but don't think you can?

Do you have questions about the home buying process?

Would you like to know what you can afford?

Would you like to own a home and STOP paying rent?

Did you know the seller can pay for most if not all of your closing costs?

If you like you can get pre-qualified at the seminar...a lender will be in attendance.

A title representative will be available to answer any questions you may have about settlement.

Please attend my Home Buyers Seminar...I promise you will enjoy yourself while learning.

I conduct Home Buyer's Seminar on a regular basis. I usually hold my seminars on Thursday evenings

from 7:00 p.m. - 9:00 p.m. and Saturday 10:00 a.m. - 12:00 p.m.

Classes are small! Seminar dates and times available by calling 240-245-1828. Reserve your seat now!

Karen Y. Copeland, M.S.

Associate Broker

Coldwell Banker Residential Brokerage

1525 Pointer Ridge Place, Suite 101

Bowie, MD 20715

Hampshire Hall Market Report

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Thu, 03 Jul 2008 18:54:43 -0500

	Market Update Report by Karen Y. Copeland
	Associate Broker, Coldwell Banker Resdential Brokerage
	For more information, please contact me at (240) 245-1828


The report below summarizes listings sold as well as active/pending listings for Hampshire Hall considered to represent
good pricing comparables. Listings summarized in the following table for the time period noted are based on information provided by the
Metropolitan Regional Information System Inc. MLS (All rights reserved). These properties are not all listed by Coldwell Banker,
but by various MLS participating offices. Non-MLS properties are not included.


	6 months of Sold MLS Listings From:			6 months of Sold MLS Listings From:				Last Year
	1/1/2008-6/30/2008			1/1/2007-6/30/2007				vs. This Year
Subdivision
Hampshire Hall	1					7		-6
Upper Marlboro


Listings ACTIVE/PENDING are shown in more detail below.

	Property	# Of	# Of	Year	Days on	List
	Address	Bedrooms	Baths	Built	Market	Price
	14208 HAMPSHIRE HALL CT	2	2	1999	13	$270,000
	14218 HAMPSHIRE HALL CT	2	2	1999	1	$284,900
	14209 HAMPSHIRE HALL CT	2	2	2000	13	$290,000
	14211 HAMPSHIRE HALL CT	2	2.5	2000	449	$250,000
	14263 HAMPSHIRE HALL CT	2	2	2000	61	$280,000

Listings SOLD between 1/1/2008 to 6/30/2008 are shown in more detail below
as they represent the best indication of changes in property value.

Sold	Property	# Of	# OF	Year	Days on	List	Sold
Date	Address	Bedrooms	Baths	Built	Market	Price	Price
1/22/2008	14252 HAMPSHIRE HALL CT	2	2	2000	30	$284,500	$285,000

For a list of specific properties FOR SALE for Hampshire Hall or other area neighborhoods, please feel free to contact me.

NOTE: The accuracy of information in this report is dependent on aforementioned MLS system(s) for time periods and/or
other reliable sources, and cannot be guaranteed. However, it is a useful source for estimating current property values
particularly when other factors are taken into account such as specific location, property size, lot size, architectural style
and the condition of the property. For a professional market analysis, please contact Karen Y. Copeland.

Longleaf Market Report

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Tue, 01 Jul 2008 19:11:06 -0500

	Market Update Report by Karen Y. Copeland
	Associate Broker, Realtor, Coldwell Banker
	For more information, please contact me at (240) 245-1828

The report below summarizes listings sold as well as active/pending listings for Longleaf considered to represent good
pricing comparables. Listings summarized in the following table for the time period noted are based on information provided by the
Metropolitan Regional Information System Inc. MLS (All rights reserved). These properties are not all listed by Coldwell Banker,
but by various MLS participating offices. Non-MLS properties are not included.




	6 months of Sold MLS Listings From:			6 months of Sold MLS Listings From:				Last Year
	1/1/2008 - 6/30/2008			1/1/2007 - 6/30/2007				vs. This Year
Subdivision
Longleaf	1				1			0
Bowie, MD

Listings ACTIVE/PENDING are shown in more detail below.

	Property	# Of	# Of	Year	Days on	List
	Address	Bedrooms	Baths	Built	Market	Price
	17201 RUSSET DR	4	3.5	2000	242	$499,900
	17410 RUSSET DR	3	2.5	2002	209	$479,900
	17007 ASPEN LEAF DR	5	3.5	1999	12	$485,900
	4303 RUSTLING LEAVES TER	4	3.5	2002	124	$525,000
	4314 RUSTLING LEAVES TER	4	3.5	2002	98	$630,000
	16907 ASPEN LEAF CT	4	3.5	2001	64	$589,000
	16909 ASPEN LEAF CT	4	3.5	2001	52	$659,000
	4303 RUSTLING LEAVES TER	5	3.5	1998	26	$679,900
	17204 LONGLEAF DR	4	3.5	2002	16	$630,000
	17317 RUSSET DR	4	2.5	2001	0	$527,000
	17019 BIRCH LEAF TER

Listings SOLD between 1/1/2008 to 6/30/2008 are shown in more detail below as they represent the best indication
of changes in property value.

Sold	Property	# OF	# Of	Year	Days on	List	Sold
Date	Address	Bedrooms	Baths	Built	Market	Price	Price
5/21/2008	4302 HICKORY LEAF CT	5	3.5	1998	164	$549,990	$530,000

For a list of specific properties FOR SALE in Longleaf or other area neighborhoods, please feel free to contact me.

NOTE: The accuracy of information in this report is dependent on aforementioned MLS system(s) for time periods and/or
other reliable sources, and cannot be guaranteed. However, it is a useful source for estimating current property values
particularly when other factors are taken into account such as specific location, property size, lot size, architectural style
and the condition of the property. For a professional market analysis, please contact Karen Y. Copeland.

Charles Crossing Market Report

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Tue, 01 Jul 2008 18:35:13 -0500

	Market Update Report by Karen Y. Copeland
	Associate Broker, Realtor, RE/MAX Specialists
	For more information, please contact me at (240) 765-1339

The report below summarizes listings sold as well as active/pending listings for Charles Crossing considered to represent good
pricing comparables. Listings summarized in the following table for the time period noted are based on information provided by the
Metropolitan Regional Information System Inc. MLS (All rights reserved). These properties are not all listed by RE/MAX Specialists,
but by various MLS participating offices. Non-MLS properties are not included.


	6 months of Sold MLS Listings From:			6 months of Sold MLS Listings From:				Last Year
	1/1/2008-6/30/2008			1/1/2007-6/30/2007				vs. This Year
Subdivision
Charles Crossing	6				8			-2
Waldorf, MD
Listings ACTIVE/PENDING are shown in more detail below.

	Property	# Of	# Of	Year	Days on	List
	Address	Bedrooms	Baths	Built	Market	Price
	9826 LARSON PL	3	3	2002	317	$365,000
	3151 SEDGEWICK DR	4	2.5	2002	149	$390,000
	9854 MOFFIT PL	3	2.5	1999	274	$339,000
	9669 BERGAMONT CT	4	2.5	2004	242	$459,900
	9484 VESS CT	5	2.5	2006	123	$535,750
	9801 LARSON PL	3	2.5	2001	46	$333,500
	9583 COLTSHIRE	5	3.5	2006	75	$439,900
	3011 KASPAR CT	4	3.5	2003	55	$499,000
	3033 LUNDT CT	5	3.5	2003	47	$419,900
	3216 NOBILITY CT	5	4.5	2000	21	$543,000
	9480 VESS CT	4	2.5	2006	17	$530,000
	3212 NOBILITY CT	5	3.5	2001	8	$489,999
	3257 GOSSETT CT	5	3.5	2001	5	$399,900
	9880 MOFFIT PL	3	2.5	1998	1	$325,000



Listings SOLD between 1/1/2008 to 6/30/2008 are shown in more detail below as they represent the best indication of
changes in property value.

Sold	Property	# Of	# Of	Year	Days on	List	Sold
Date	Address	Bedrooms	Baths	Built	Market	Price	Price
2/22/2008	3250 GOSSETT CT	4	3.5	2001	116	$425,000	$415,000
4/17/2008	10106 ASTILL CT	4	3.5	2000	257	$369,900	$360,000
4/21/2008	3055 MIRANDA PL	3	2.5	2002	155	$319,900	$325,000
4/28/2008	9822 LARSON PL	3	3.5	2002	264	$312,000	$305,000
5/27/2008	9809 LARSON PL	3	3.5	2001	347	$315,000	$300,000
5/16/2008	3037 LUNDT CT	4	2.5	2003	102	$375,900	$370,000

For a list of specific properties FOR SALE in Charles Crossing or other area neighborhoods, please feel free to contact me.

NOTE: The accuracy of information in this report is dependent on aforementioned MLS system(s) for time periods and/or
other reliable sources, and cannot be guaranteed. However, it is a useful source for estimating current property values
particularly when other factors are taken into account such as specific location, property size, lot size, architectural style
and the condition of the property. For a professional market analysis, please contact Karen Y. Copeland.

Seven Sure-Fire Ways to Make Your Home Sale Self-Destruct. And How You Can Avoid Them

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Sun, 15 Jun 2008 10:18:07 -0500

Seven Sure-Fire Ways to Make Your Home Sale Self-Destruct. And How You Can Avoid Them.

Taking the wrong approach to selling your home can be a lot like lighting a fuse and hoping the bomb won't go off.

Mistake #1: Pricing With Your Heart, Not Your Head. An asking price not based on the most accurate and up-to-date market information can be instant death for a home sale. You need to know if you're asking too much or much too little.

Mistake #2: Selling in Your Spare Time. Getting your home sold takes more than just putting a sign on the lawn or an ad in the paper. You need to make sure the right prospects know about your home, and one missed phone call could be "the one that got away."

Mistake #3: Losing Your Ground in Negotiations. The complications and technicalities of a real estate transaction can confuse even a rocket scientist. The goal is to be in the driver's seat, and preparation is critical to preserving your interests.

Mistake #4: Finding Out Too Late That Your Buyer Isn't Qualified. How can you tell if an interested buyer is really prepared to buy your home? Wasting time with the wrong person could cost you time in finding the right buyer.

Mistake #5: Forgetting to Set the Stage. Do you know the ten most common details buyers look for in a home? Sometimes the most minor cosmetic changes can make all the difference.

Mistake #6: Choosing the Wrong Real Estate Agent. All real estate agents make the same promises and provide the same services, so they're basically all the same, right? Wrong! The professional you hire to help you with your sale can make all the difference. How do you know what to look for?

Mistake #7: Not Calling ME before selling your home. I've helped many home sellers with these questions and more, I've prepared an in-depth brochure filled with all the information you need to make your sale successful. Even if you don't choose to work with me, I'd still like to offer you this valuable resource. Simply call (240) 765-1339 today and ask for my special report, 29 Essential Tips That Get Homes Sold Fast (And For Top Dollar). There's absolutely no obligation, and you wouldn't want to sell your home without it, so call today! Karen Y. Copeland, Associate Broker, Realtor®. Direct 240.216.8534, Office 240.765.1339, E-mail kyc@mris.com

Answers to the Ten Most Common Questions Home Sellers Ask

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Sun, 15 Jun 2008 09:59:17 -0500

Answers to the Ten

Most Common Questions

Home Sellers Ask

Selling a home? For most people, it's a little like being on trial: They're faced with more questions than they could imagine, and one wrong answer could cost them dearly. For first-timers, the decisions and implications of selling their most important investment can seem overwhelming. Even for experienced home sellers, keeping up to date with the changes in the real estate market-or perhaps finding ways to overcome the problems they ran into last time-can be daunting. That's why information becomes such an invaluable commodity for anyone selling a home today.

Local real estate professional Karen Y. Copeland, of RE/MAX Specialist has compiled a list of answers to ten of the most common questions most home sellers face.

"How can I be sure now is the right time to sell?" For some home owners, the decision to sell at a particular time is necessitated due to job relocation or some other factor that makes the answer to this question an easy one, Copeland says. However, "for the majority of sellers, moving is a more subjective matter," she adds. Therefore, one of the most important first steps any potential seller can take is to decide exactly what his or her own personal motivations for selling are.

"How do I find out what market conditions are like in my area?" After sellers know why they want to sell, the next step is to get a clear picture of the current local real estate market to determine whether factors are in favor of allowing them to achieve their goals, she says. According to Copeland potential sellers can compile this information themselves by researching home sales to find out what comparable homes are selling for, or they can talk to a Realtor® they trust who can provide them with this information as well as current insights on the market.

"How much can I expect to get for my home?" For the most part, Copeland says, pricing will depend on how much similar homes in the area are selling for. "But each home is different," she adds. "The best price is the one that takes all of the property's advantages and disadvantages into account as well as the goals of the seller." For instance, if the sellers absolutely must sell within a given time frame, they may need to set a slightly lower price than a similar home with owners who are in no rush and want to maximize their profit.

"How long will it take for my home to sell?" Local real estate boards keep track of the average length of time most properties stay on the market in the area. Copeland advises prospective sellers to pay close attention to the time frames established in their listing agreement before they sign with any agent. They should ask their agent how long most of his or her listings remain on the market, and what will happen if their home doesn't sell within the prescribed time. "But beware of an agent who promises extra speedy results," she says. "They could be simply pricing too low just to get the sale quickly."

"Can I save money by selling my home myself?" Initially the idea of not having to pay a commission to an agent may be tempting to some sellers. However, any erstwhile do-it-yourselfers should also be aware of exactly what's involved in selling a home and make sure they have what it takes to follow through with every step. The majority of home owners choose to let a professional real estate agent handle all the legwork and paperwork for them-as well as any potential problems that may arise in even the seemingly simplest of transactions. In addition, by listing with a Realtor,® home owners have access to the Multiple Listing Service, the marketing tool that accounts for the vast majority of home sales. "Even if sellers choose to go it alone," Copeland says, "they should still talk with a Realtor® they know and trust. Many professionals will still offer to help with paperwork and marketing for home owners handling their own sales. This way, if something unexpected does happen, the seller has already built a relationship with a professional who is ready to help."

"Does choosing the right agent really make a difference?" Contrary to conventional wisdom, all Realtors® are not created equal. "The key to choosing the right agent is to find someone whose personal style and methods fit in with your own," Copeland says. Start by getting referrals from friends or by contacting local agents and setting up interviews. Never go blindly with a referral. What works for your friend may not work for you.

"How can I find the right Realtor®?" Take time to interview each potential agent. Look at the professionalism of his or her marketing materials and get a feel for how comfortable you feel talking with this person. Don't be afraid to ask for references. You should feel confident that the agent you choose is a trustworthy and knowledgeable individual, working full-time and representing a solid and reputable agency, who will treat your best interests as paramount. If you don't, look for someone else.

"What do I need to do to prepare my home for sale?" Selling your home involves more than simply putting a sign in the front yard. To maximize your home's appeal to potential buyers, you may need to be willing to make some minor cosmetic changes or repair major problems. Ask your Realtor® for a complete list of cleaning and makeover strategies, as well as other details which can add to the curb appeal and ultimately may make your home worthy of a higher price.

"What if there's something wrong with my home? Do I have to tell the buyer?" "It is always in the seller's best interest to disclose everything regarding the state of the property," Copeland says. "In most cases it is illegal not to." In many areas laws have been established to hold the seller accountable for home defects even if the seller wasn't aware of the problem. "Sellers should consider going above and beyond the law's requirements for home inspections and disclosure," she adds. "This will make buyers more comfortable about buying your home and, in some cases, even paying more for it."

"How can I tell a good offer from a bad one?" Each seller should know in advance what his or her "bottom line" is, what contingencies or terms would be acceptable and what would not. In addition, the seller should find out whether the buyer has been pre-qualified for financing-something most real estate agents will quickly determine right from the start-before seriously counting on any offer. Beyond that, each offer should be reviewed for a deposit, the price offered, the down payment, the terms involved, occupancy details and any contingencies. "Any offers should be reviewed in private with the seller's agent," Copeland says. "This way, the home owner and the agent can openly discuss how well this offer matches the seller's goals and what should be included or deleted from any counteroffer that may be necessary."

Copeland has included this information and more in an insightful special report titled, "Squeezing Every Last Dollar From Your Home Sale." She created the report specifically for consumers who need the right information to make the best decisions regarding their home sales. She is offering the special report free of charge as a community service to anyone who's considering selling a home. To receive a free copy, just call me at 240-765-1339 or feel free to send me an email at kyc@mris.com.

Have You Recently Been Relocated to a Military Base in Maryland?

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Thu, 27 Mar 2008 12:32:09 -0500

Home Loan Guaranty

VA home loan guaranties are issued to help eligible service members, veterans, reservists and unmarried surviving spouses obtain homes condominiums, residential cooperative housing units, and manufactured homes and to refinance loans.

Loan Uses: A VA guaranty helps protect lenders from loss if the borrower fails to repay the loan. It can be used to obtain a loan to:

•1. Buy or build a home.
•2. Buy a residential condominium.
•3. Buy a cooperative housing unit.
•4. Repair, alter or improve a home.
•5. Refinance an existing home loan.
•6. Buy a manufactured home with or without a lot.
•7. Buy and improve a manufactured home lot.
•8. Install a solar heating or cooling system or other weatherization improvements.
•9. Buy a home and install energy efficient improvements.

Eligibility

In addition to the periods of eligibility and conditions of service requirements, applicants must have a good credit rating, sufficient income, a valid Certificate of Eligibility (COE), and agree to live in the property in order to be approved by a lender for a VA home loan.

VA Guaranty Varies with Size and Type of Loan

The VA guaranty varies with the size of the loan, and is issued to protect lenders so they may make loans to eligible borrowers. Because the lenders are able to obtain this guaranty from VA, borrowers do not need to make a down payment, provided they have enough home loan entitlement.

To obtain a COE, complete VA Form 26-1880 - Request for a Certificate of Eligibility for VA Home Loan - and mail to:

VA Loan Eligibility Center
P.O. Box 20729
Winston Salem, NC 27120

It is also possible to obtain a COE from your lender.

For additional information or to obtain VA loan guaranty forms, visit http://www.homeloans.va.gov/. Please feel free to contact me with any questions you have regarding the VA process, purchasing a home or selling your current residence. I can be reached via my website: http://www.kcsellshomes.com/ or telephone at 240-765-1339.

I look forward to speaking with you in the very near future.

Prospective Buyers - Q&A Forum

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Tue, 26 Feb 2008 12:21:22 -0600

Calling all prospective buyers! What information are you in need of? I thought it would be nice to hear directly from you...the prospective buyer...as to what information you need to make an informed decision. Via Active Rain you have a number of seasoned agents and lenders just waiting to assist you in anyway we can. This is your chance to ask any question(s) you want and get a number of different answers and not feel any obligation to anyone.

I'd like to share with you a few questions I've been asked recently and my response to them:

Question: What's included in my mortgage payment?

Answer: Most loans have 4 parts: principal - the repayment of the amount you actually borrowed; interest - payment to the lender for the money you've borrowed; property taxes: the annual city/county taxes assessed on your property; and homeowners insurance - a yearly amount to insure the property against loss from fire, smoke, theft, and other hazards required by most lenders. The PITI payment is derived from adding the yearly costs together then dividing by 12 for a monthly payment.

Question: How do I obtain information about local schools?

Answer: You can get information about school systems by contacting the city or county school board or the local schools. I've included a link for the State of Maryland: http://schools.pgcps.org/

Question: How do I obtain current crime statistics for each neighborhood or county?

Answer: In the State of Maryland Realtors aren't allowed to discuss crime issues. I always direct my buyer(s) to the local police authorities. In Prince George's county you can call the non-emergency number for the Prince George's County Police Department 301-333-4000.

I hope you...the Prospective Buyer will add to this Q&A forum by posting your questions. Remember you have Realtors, Lenders and a host of other participants to question. We look forward to hearing from you!

Karen Y. Copeland

Collecting E-mail Addresses

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Mon, 04 Feb 2008 07:09:43 -0600

I could really use some input from all my ActiveRain buddies. I have always mailed to my SOI, farm area and one apartment complex three times monthly. Well my business has slowed down considerably and I am looking for ways to cut costs. What would be the best way to collect email addresses? Of course, I have the email addresses of my SOI and past clients. I would like to capture my farm and the apartment complex. I know my direct mailers are read by some in my farm area because they call to list their homes or to get referrals to other professionals. When they call I update their information in my database and most will comply with their email address. How do I get everyone to respond within the next three mailers? I thought about running some type of contest but...

Any and all comments would be most appreciated. My hope is one of you has already done what I want to do and you won't mind sharing.

Thanks!

22323 Tanager Way, Leonardtown MD

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Sat, 02 Feb 2008 17:27:35 -0600

Gorgeous, private, cozy, warm and inviting brick front Colonial situated on private road with one other home. Both homes sit on more than 4+ wooded acres. Stables, pool, tennis court and water within walking distance in subdivision. Breton Bay Golf Course less than one mile away.

The home is available for immediate occupancy. Military personnel just relocated to Patuxent Naval Air Base please call me for your personal tour.

Check out the virtual tour below:

http://www.circlepix.com/home/HFCWKB

This home is situated along with 92 other homes on 500 acres of wooded land, waterfront bordering McIntosh Run/Breton bay located in Saint May's county. The subdivision is know as Avenmar. Amenities include: stables and boarding for your horse(s); community center; tennis courts; tot lot; bike and walking trails; and a community swimming pool.

Questions To Ask Your Realtor...Before You Sign A Listing Agreement

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Fri, 01 Feb 2008 18:32:14 -0600

Questions To Ask Your Realtor...Before You Sign A Listing Agreement

Finding the right real estate professional requires doing a little research and asking a few questions...before you sign the listing agreement. The following are a few items I cover with every Seller before we sign the listing agreement.

References: All Realtors should be willing and able to provide you with a list of references that you can call for feedback. Track how long it takes each agent to respond to your request and how quickly they follow-up. If they don't respond in a timely manner to this simple request imagine how they will respond to a potential buyer and their agent.

Rapport/Comfort: I believe the most important question a seller can ask themselves is "do I feel comfortable with this person?" Do I trust them? If your gut-reaction is NO, you need to continue interviewing agents.

Communication: It is important to establish early on how your agent will communicate with you. Will they provide feedback weekly to you or will you have to track them down? Will the listing agent be available to assist you with questions that may arise or will you speak to numerous people on his/her team? When and if a problem arises will you be kept in the loop?

Track Record: You want an agent who has experience with homes similar to yours and is active in your neighborhood. You also want to ensure that your Realtor is able to provide you with "full-time" service.

The Listing Agreement: Make sure you understand the listing agreement fully. Also, ensure that there is a definite beginning and expiration date. Know how the commission is to be shared with the selling agent. Does the agent offer an EASY EXIT AGREEMENT if necessary? I do. If we are not currently under contract and your circumstances change, I will release you from the listing agreement. I provide this agreement in writing at the time I take the listing.

NET Sheet: Your Realtor should provide you with a NET sheet before you sign the listing agreement. The NET sheet should list the commission, mortgage balance owed, state and local transfer taxes, and any and all other closing expenses.

Never choose a Realtor based on price alone. Remember that a Realtor cannot magically raise the selling price of the house. Your Realtor should provide you with comparables to assist you in determining the asking price. The buyer's agent, if seasoned, will do their homework before showing your home. They will advise the buyer about the comparables in the neighborhood as well.

These are just a few items I cover with my Sellers. If you have any further questions not addressed here please visit my website at http://www.kcsellshomes.com/ or call me directly at 240-765-1339. I would welcome the opportunity to be of assistance. Also, when you are ready to sell please call and request my special report "Squeezing Every Last Dollar From Your Home Sale."

It's a buyers market!

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Tue, 29 Jan 2008 08:35:49 -0600

It's a buyers market.

If you haven't already purchased...What are you waiting for?

In today's market you can buy a house for 5 to 10 percent below asking price. For a $300,000 purchase, that's between $15,000 and $30,000 off your mortgage. On a 30-year fixed rate mortgage at 6 percent, that reduction in mortgage amount would save about $180 per month (more than $2,000 per year). What are you waiting for?

The state of Maryland has plenty of housing inventory from which to choose. Sales are slow, so sellers are offering thousands of dollars in incentives to tempt you to buy. Prices are flat. Interest rates are still historically low. Sounds like a no brainer...the buyer who has been on the fence needs to get off and pull out his/her checkbook. Again, I ask: What are you waiting for?

The one certainty that can always be counted upon is that one side of the market will never stay on top forever. In fact, it can turn on a dime. The same area that remains depressed for a period of time can make a comeback as lower prices stimulate reinvestment. So, if not now...when will you buy?

Call me today and let's get the process started. If you are already pre-approved we can set up an appointment this week to view homes. If you haven't spoken to a lender I have two excellent sources I can refer you to. I can be reached at 240-765-1339. I look forward to speaking with you.

It's All Good,

Karen

Transitional Housing for Homeless Veterans

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Tue, 29 Jan 2008 07:19:04 -0600

Loan Guarantee Program for Transitional Housing

The US Department of Veterans Affairs is pleased to announce a new pilot loan guarantee program for transitional multifamily housing. During the pilot phase VA can guarantee up to 15 low-interest rate loans with an aggregate dollar amount of $100 million. Loans would be originated by the Federal Financing Bank (FFB), an arm of the U.S. Department of the Treasury. VA will offer a 100 percent loan guarantee on program funds.

The program objectives are to:

Increase the number of community beds for homeless veterans nationally by at least 5,000.
Help homeless veterans transition to permanent housing through supportive services, counseling, and requiring that residents take personal responsibility to remain sober, employed, and to pay monthly rent.
Promote the development and operation of supportive multifamily transitional housing for homeless veterans in geographic areas of greatest need.
Determine whether a federal loan guarantee program is an effective tool for facilitating the development of transitional supportive housing for homeless veterans.

VA anticipates that multifamily housing financed under this program will be at least 100 units. This program does not fund single-family housing.

If you have been considering the purchase of a multi-family dwelling this loan guarantee program might be for you. This is a great investment opportunity and a fantastic way to assist Veterans in need.

Military Relocation - Buy or Rent?

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Tue, 15 Jan 2008 08:35:56 -0600

Many families relocating to Patuxent Naval Air Base like the convenience of living on base while others like the opportunity to become part of a local community and school system. If you are considering purchasing a home in your next relocation be sure you start the process with a knowledgeable Realtor and Lender in the area.

You want to interview Realtors that are familiar with military relocation and you want to deal with an agent that is full-time. Given the time constraints most relocated families face "Time is of the Essence." Ask for references from the prospective Realtor to talk to other military persons about their experience with them.

If you decide to purchase and you want to use your VA benefits to secure a loan you need to know that the maximum "insured" loan amount with no down payment is $417,000 NOT including the VA funding fee. You can secure an "insured" loan of $450,000 with a 5% down payment. For more information about the VA funding fee and/or your benefits please visit http://www.va.gov/.

Make sure you do you own homework - don't rely totally on the Realtor or Lender. You want to ensure that the real estate market is positive in the area you are considering. Are the market values on the rise, decline or are they stable. Your Realtor can run reports for you to review and ask questions to get a better understanding of the market.

Please feel free to visit my website at www.kcsellshomes.com. You can contact me via email kyc@mris.com or by telephone at 240-765-1339 if you have specific questions I can assist you with. I look forward to hearing from you.

New VA Rules for Specially Adapted Housing Grants-Patuxent Naval Air Base

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Mon, 14 Jan 2008 09:09:52 -0600

Eligible for the benefit are those with specific service-connected disabilities entitling them to VA compensation for a "permanent and total disability." They may receive a grant to construct an adapted home or to modify an existing one to meet their special needs.

VA has three types of adapted housing grants available. The Specially Adapted Housing grant (SAH), currently limited to $50,000, is generally used to create a wheelchair-accessible home for those who may require such assistance for activities of daily living.

VA's Home Loan Guaranty program and the Native American Direct Loan program may also be used with the SAH benefit to purchase an adaptive home.

The Special Housing Adaptations (SHA) grant, currently limited to $10,000, is generally used to assist veterans with mobility throughout their homes due to blindness in both eyes, or the anatomical loss or loss of use of both hands or extremities below the elbow.

A third type established by the new law, the Temporary Residence Adaptation (TRA) grant, is available to eligible veterans and seriously injured active duty service members who are temporarily living or intend to temporarily live in a home owned by a family member.

While the SAH and SHA grants require ownership and title to a house, in creating TRA Congress recognized the need to allow veterans and active duty members who may not yet own homes to have access to the adaptive housing grant program.

Under TRA, veterans and service members eligible under the SAH program would be permitted to use up to $14,000, and those eligible under the SHA program would be allowed to use up to $2,000 of the maximum grant amounts. Each grant would count as one of the three grants allowed under the new program.

"The goal of all three grant programs is to provide a barrier-free living environment that offers the country's most severely injured veterans or service members a level of independent living," added Peake.

Other VA adaptive housing benefits are currently available through Vocational Rehabilitation and Employment Service's "Independent Living" program, the Insurance Service's Veterans Mortgage Life Insurance program, and the Veterans Health Administration's Home Improvement and Structural Alterations grant.

For more information about grants and other adaptive housing programs, contact a local VA regional office at 1-800-827-1000 or local veteran service organization. Additional program information and grant applications (VAF-26-4555) can be found at http://www.homeloans.va.gov/sah.htm.

Military families relocating to Patuxent Naval Air Base interested in purchasing a home in Saint Mary's county please give me a call. I am at your service. I can be reached via email at kyc@mris.com or my telephone at 240-765-1339. I look forward to talking with you and showing you all that Saint Mary's county has to offer.

Sell Your Unwanted Books

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Fri, 04 Jan 2008 16:27:39 -0600

Did you know that you can sell your unused books on Amazon.com? If you are like me you have a few books just collecting dust on your bookshelf. I had books that I ordered through Borders only to realize that the book didn't have what I was looking for or I had books that I read and used but that I hadn't touched in a long while. In the past three months I've sold about 6 books through Amazon.com and I opted to receive gift cards for Amazon for payment. You do pay a very small fee for the privilege of selling through Amazon. If you have books to sell check them out at http://www.amazon.com/ or through http://www.borders.com/ . For newer agents just getting into the business this is a way to increase your library at nominal cost.

Happy selling!

14211 Hampshire Hall

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Thu, 06 Dec 2007 08:00:04 -0600

Beautiful 2 bedroom 2 full bath on lower level condo/town home. Main level boasts a large living and dining room and a half bath. Large spacious kitchen with gas stove, dishwasher, refrigerator and entrance to one car garage. Full size washer and dryer on lower level. Offered at $275,000 with a seller contribution of 3% toward clsoing costs. For more information on this property or others like it please visit my website at www.kcsellshomes.com.

9703 Poling Terrace, Fort Washington MD

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Thu, 06 Dec 2007 07:30:19 -0600

Beautiful Home w/Sunroom & 2 Fireplaces on cul-de-sac. Sunroom has a dual Sided FP shared with the Family Room (new upgraded carpet). NEW Plantation Blinds. Large Master Suite w/Sitting Room & 3-sided Gas FP. Grand Master Bath with dual vanities, 2 Large walk-in closets & 2 person soaking tub. Move-in condition! Closing Assistance. Asking price $535,000. This home is minutes away from Andrews AFB. For more information on this property and others like it please visit my website at www.kcsellshomes.com.

6300 Hil Mar, District Heights, MD

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Thu, 06 Dec 2007 07:20:45 -0600

Gorgeous newly renovated 2 bedroom 1.5 bath condo. Hardwood flooring thoughout except in carpeted bedrooms. Custom window treatments in every room. Upgraded kitchen with stainless steel appliances and granite counter tops. Stacked full size Frigidaire washer/dryer. Quaint patio for entertaining. Asking price $239,000. Condo fee $250 includes all utilities.

The seller is highly motivated and ready to settle. For more information on this home and others please feel free to visit my website at www.kcsellshomes.com. I look forward to speaking with you!

Charles Crossing (single-family) Waldorf, Maryland

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Wed, 05 Dec 2007 12:19:42 -0600

Residents take advantage of big city conveniences while still enjoying the laid back atmosphere of a Waldorf community. With charming neighborhoods and endless opportunities for family activities, dining out or taking in the rural sites, residents in this area find it to be more of a lifestyle rather than just a place to live. A nice place to raise kids, do business and a little shopping, Waldorf, Maryland is the place to live. The following is a list of single family homes that SOLD in November in the Charles Crossing subdivision located in Charles county.

DOMP	ML#	Address	ListPrice	AdvertisedSubdivision	ClosePrice
210	CH6323390	3039 LUNDT CT	$499,900	CHARLES CROSSING	$510,000
459	CH6403516	9651 BERGAMONT CT	$499,900	CHARLES CROSSING	$499,000

Please visit my website http://www.kcsellshomes.com/ for more information on Charles Crossing and other Charles county communities. Be sure to check out my FREE REPORTS for buyers and sellers. Feel free to call on me with any questions 240-216-8534. I look forward to speaking with you!

Let's Make A Deal

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Wed, 05 Dec 2007 08:59:04 -0600

Owner in Distress - Let's Make A Deal! - I have three properties available immediately in the price range of $245,000 - 380,000. All properties qualify for zero down loan payments (credit dependent). Properties located within minutes of Andrews Air Force base. Why live in base housing when you can own?

8404 Joan Place, Clinton MD $380,000

6300 Hil Mar Drive, District Heights, MD $245,000

14211 Hampshire Hall Court, Upper Marlboro, MD $275,000

Please view my website at www.kcsellshomes.com for more information about these and other properties. Also, feel free to call my Consumer Awareness Hotline at 1-866-229-6195. I have specific information regarding homes in Mechanicsville at extension 11. If you are interested in any home in the State of Maryland I can provide you with information. I can also recommend a great lender if you don't already have one.

Of course you can always just pick up the telephone and call me directly if you have questions. My direct office number is 240-765-1339. I look forward to speaking with you in the very near future.

It's All Good,

Karen

Charles Crossing (single-family) Waldorf, Maryland

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Tue, 20 Nov 2007 07:25:01 -0600

Residents take advantage of big city conveniences while still enjoying the laid back atmosphere of a Waldorf community. With charming neighborhoods and endless opportunities for family activities, dining out or taking in the rural sites, residents in this area find it to be more of a lifestyle rather than just a place to live. A nice place to raise kids, do business and a little shopping, Waldorf, Maryland is the place to live. The following is a list of single family homes that have SOLD in the Charles Crossing subdivision located in Charles county.

DOMP	MLS#	Address	ListPrice	ClosePrice
342	CH6339456	10101 ASTILL CT	$480,000	$475,000
65	CH6250421	10104 ASTILL CT	$450,000	$450,000
286	CH6316128	3215 NOBILITY CT	$645,000	$645,000
83	CH6410357	3137 SEDGEWICK DR	$500,000	$500,000
161	CH6303075	9704 CADWELL ST	$412,500	$417,000
79	CH6362651	3166 SEDGEWICK DR	$625,000	$569,900
42	CH6148229	2909 HALIFAX ST	$599,900	$599,000
184	CH6161574	9589 COLTSHIRE CT	$499,900	$485,000
99	CH6244965	9482 VESS CT	$510,000	$500,000
Avg DOMP 149			Avg List Price $524,700	Avg Close Price $515,656

Honoring Our Soldiers!

Karen Y. Copeland, M.S., Associate Broker (Re/Max United) — Sat, 17 Nov 2007 19:46:22 -0600

Check out the link below...grab some tissue first.

http://www.youtube.com/v/ervaMPt4Ha0&autoplay=1http://www.youtube.com/v/ervaMPt4Ha0&am p;autoplay=1