LENDER OWNED FORECLOSURES,  FREDERICK COUNTY, MD  (Rev. 10/23/2008)

(Contact us for further price reductions)  

We have a very simple request if you wish to receive our information and advice.  We ask you to agree to use us as your exclusive buyer agents for your next real estate purchase. Please advise us if you are represented by another real estate agent.   REO properties are foreclosed homes that are now owned by lenders.  We represent purchaser clients as their exclusive  agents. The disclosures that are required for home buyers in Maryland will be provided when you meet with us.  Buyers must have pre-approval letters for mortgage financing.    

The following are available REO homes. Prices are reduced until they are sold.  All of this information is subject to change or error.  We will update the details on the properties before showing them to you.    

Countrywide:  605 16th St., Fredericktown Village, Frederick 21701 2 BR/2 BA $202,900 SF  

REO:  206 Albany Ave. W, Glade Manor, Walkersville 21793 3 BR/2.5 BA $239,900 SF REDUCED FROM $259,900  

REO:  1701 Aldin Ct., Monocacy Landing I, Frederick 21701 4 BR/3 BA $400,900 SF REDUCED FROM $464,900    

Fremont Investment:  811 Apache Ct., Monocacy Crossing, Frederick 21701 4 BR/2.5 BA $319,900 SF REDUCED FROM $374,900

REO:  1301 Appletree Ct., Hillcrest Orchard, Frederick 21703 4 BR/2.5 BA $125,000 SF REDUCED FROM $199,900

Deutsche Bank:  43 Apple Way Dr., Hillcrest Orchards, Frederick 21701 3 BR/2.5 BA $124,900 TH REDUCED FROM $159,900

REO:  2176 Archet Lane, Old Farm, Frederick 21702 4 BR/2 FB/2 HB $279,900 SF REDUCED FROM $299,900

REO:  1192 Avondale Ct., Willowcrest, Frederick 21702 4 BR/3.5 BA $213,705 SF REDUCED FROM $224,950

REO:  1194 Avondale Ct., Willowcrest, Frederick 21702 3 BR/1 BA $185,900 SF REDUCED FROM $195,900

HUD:  107 West B St., Brunswick 21716 2 BR/1.5 BA $96,000 REDUCED FROM $108,000

REO:  6789 Balmoral Ridge Ct., Balmoral, New Market 21774 4 BR/3.5 BA $319,900 SF

Fannie Mae:  21 Bankbarn Cir., Glenrook, Middletown 21769 2 BR/2.5 BA $259,900 TH REDUCED FROM $319,900

REO:  6020 Bartonsville Rd., Frederick 21704 4 BR/3 BA $314,900 SF REDUCED FROM $324,900

Countrywide:  2103 Bear Creek Ct., Walnut Ridge, Frederick 4 BR/3.5 BA $424,900 SF REDUCED FROM $492,900

REO:  574 Binford Ct. E, Hillcrest Orchards, Frederick 21703 4 BR/2.5 BA $305,395 SF

Fannie Mae:  245 Bishops Glen Dr., Coventry, Frederick 21702 5 BR/3.5 BA $399,900 SF REDUCED FROM $419,900

Countrywide:  6705 Black Duck Ct., Robin Meadows, Frederick 21703 3 BR/1.5 BA $197,900 TH REDUCED FROM $209,900

REO:  310 Boxford Ct., Stonegate Farms, Frederick 21702 4 BR/2 BA $213,000 SF  

REO:  7081 Bradshaw Ct. W, Foxcroft, Frederick 21703 3 BR/2.5 BA $219,000 Gar TH  

REO:  2135 Bristol Dr. #2, Old Farm Station, Frederick 21702 3 BR/2.5 BA $198,000 TH  

REO:  3321 Brockton Dr., Copperfield, Jefferson 21755 4 BR/2.5 BA $349,900 SF REDUCED FROM $379,900

Bank of America:  622 Brunswick St., Brunswick 21716 3 BR/2 BA $134,900 SF REDUCED FROM $211,500

REO:  3448 Buckeystown Pike, Buckeystown, Adamstown 21710 4 BR/1.5 BA $224,900 SF Built in 1894 REDUCED FROM $249,900

Keystone Asset Management:  2037 Buell Dr., Willowbrook, Frederick 21702 3 BR/3.5 BA $191,900 TH REDUCED FROM $211,900

Wells Fargo Bank:  2006 Burnside Dr., Willow Brook, Frederick 21702 4 BR/3.5 BA $344,884 SF REDUCED FROM $344,900

Fannie Mae:  2020 Burnside Dr., Willow Brook, Frederick 21702 4 BR/2.5 BA $349,900 SF REDUCED FROM $369,900

Fremont Investment:  6539 Carston Ct., Wellington Trace, Frederick 21703 4 BR/3.5 BA $254,900 TH REDUCED FROM $289,900

REO:  6565 Carston Ct., Wellington Place, Frederick 21703 3 BR/2.5 BA $255,000 TH

Countrywide:  594 Cascade Way, Overlook, Frederick 21703 3 BR/2.5 BA $165,900 TH REDUCED FROM $199,900

REO:  595 Cawley Dr. #4-3A, Ballenger Creek Center, Frederick 21703 2 BR/2 BA $169,900 Condo REDUCED FROM $219,900

REO:  837 Chadwick Cir E, Frederick 21701 2 BR/1 BA $109,900 TH REDUCED FROM $154,900

REO:  5743 Charstone Ct., Farmbrook, Frederick 21703 3 BR/1.5 BA $154,900 TH

REO:  2181 Cheltenham Ct., Old Farm Station, Frederick 21702 4 BR/2.5 BA $289,900 SF

IndyMac Bank:  6804 Cherry Tree Ct., Westwinds, New Market 21774 4 BR/2.5 BA $425,000 SF REDUCED FROM $499,900

Property Asset Management:  491 Church St., Frederick 21701 3 BR/2.5 BA $198,900 TH REDUCED FROM $244,900

Wells Fargo Bank:  6601 Clifton Rd. S, Frederick 21703 2 BR/1 BA $148,994 SF REDUCED FROM $164,496

Asset Link:  6655 Clifton Rd, Goldmine, Frederick 21703 4 BR/3.5 BA $469,900 SF REDUCED FROM $569,900   

REO:  7285 F Coachlight Ct., Country Side, Frederick  21702 4 BR/2.5 BA $109,900 TH REDUCED FROM $215,250  

REO:  7115 Collingsworth Pl., Stonebridge, Frederick 21703 3 BR/3.5 BA $204,900 TH

HUD:  6631 Commodore Ct., North Shore, New Market 21774 3 BR/3.5 BA $247,000 TH

REO:  1738 Conrads Ferry Dr., Canal Run, Point of Rocks 21777 3 BR/2.5 BA $272,700 SF

Countrywide:  7327 Coventry Dr., Middletown Manor, Middletown 21769 4 BR/3 FB/3 HB $479,900 SF REDUCED FROM $499,900

REO:  6800 Crest Cir., Crestview Estates, Frederick 21702 3 BR/2 BA $225,000 SF REDUCED FROM $247,000

REO:  1249 Dahlia Lane, Frederick Heights, Frederick 21703 3 BR/2 FB/2 HB $189,500 TH REDUCED FROM $209,900

REO:  1328 David Lane, Hillcrest Orchards, Frederick 21703 3 BR/2.5 BA $171,900 TH

REO:  12 Davis Ave., Frederick City, Frederick 21701 2 BR/1 BA $164,900 SF REDUCED FROM $169,900

Wells Fargo Bank:  1726 Derrs Square E, Monocacy Landing I, Dearbought, Frederick 21701 3 BR/3.5 BA $239,884 TH REDUCED FROM $239,899

REO:  8507 Discovery Blvd., Discovery, Walkersville 21793 4 BR/2.5 BA $305,900 SF

REO:  1461 Dockside Ct., Fredericktowne Village, Frederick 21701 2 BR/2 BA $175,900 TH REDUCED FROM $199,900

Countrywide:  9463 Dunraven St., Villages of Urbana, Frederick 21704 4 BR/2.5 BA $456,600 SF

REO:  5225 Earles Ct., Kingsbrook, Frederick 21703 3 BR/2.5 BA $223,250 TH REDUCED FROM $234,900

Lasalle Bank:  6908 Edgemont Rd., Edgemont Overlook, Frederick 21702 4 BR/1 BA $209,500 SF REDUCED FROM $246,000

REO:  8291 Elaine Way, Sugarloaf Estates, Frederick 21704 3 BR/1.5 BA $285,900 SF REDUCED FROM $299,900

REO:  1404 Elfin Ct., Monarch Ridge, Frederick 21703 5 BR/3.5 BA $279,900 SF REDUCED FROM $354,900

Asset Link:  100 Ellingwood Lane, Clover Ridge, Frederick 21702 4 BR/3.5 BA $400,000 SF REDUCED FROM $410,000  

Wells Fargo Bank:  527 Ellison Ct., Overlook, Frederick 21703 3 BR/2 FB/2 HB $198,894 TH

REO:  2519 Emerson Dr., Whittier Pond, Frederick 21702 4 BR/3 BA $225,000 TH

REO:  8842 Eureka Lane, Discovery, Walkersville 21793 3 BR/1.5 BA $150,000 TH

REO:  2625 Everly Dr. N #4-9, The Braemar, Frederick 21701 3 BR/2.5 BA $175,500 TH Condo REDUCED FROM $189,900

Fannie Mae:  2627 Everly Dr., The Braemar, Frederick 21701 3 BR/2.5 BA $189,900 Gar TH Condo REDUCED FROM $234,900

REO:  104 Fieldstone Ct., North Crossing, Frederick 21702 3 BR/2 FB/2 HB $238,000 Gar TH

REO:  7111 Flint Ct., Fountaindale South, Middletown 21769 4 BR/2 BA $189,900 SF

Fannie Mae:  77 George Thomas Dr., Willow Brook, Frederick 21702 4 BR/3.5 BA $358,900 SF REDUCED FROM $392,900

Assetlink:  6230 Glen Valley Ter. #4A, Hampton Court II, Frederick 21701 2 BR/2 BA $195,900 Condo

REO:  1813 Granby Way, Walnut Ridge, Frederick 21702 5 BR/3.5 BA $349,900 SF

REO:  1800 Hammond Ct., Carroll Park Manor, Frederick 21702 4 BR/2 BA $154,900 TH

REO:  1924 Harpers Ct., North Crossing, Frederick 21702 5 BR/2 BA $232,703 TH REDUCED FROM $244,950

Hagerstown Trust Co.:  14017 Harrisville Rd., Williams Beginning, Mount Airy 21771 3 BR/2 BA $407,000 SF

REO:  1741 Heather Lane, Amber Meadows, Frederick 21702 3 BR/2.5 BA $177,900 TH REDUCED FROM $184,900

REO:  751 M Heather Ridge Dr., Ambertowne, Frederick 21702 2 BR/1 BA $89,900 Condo REDUCED FROM $99,900

REO:  820 B Heather Ridge Dr., Ambertowne, Frederick 21702 2 BR/2 BA $89,625 Condo REDUCED FROM $114,900

Fannie Mae:  133 Heathfield Dr., Mill Crossing, Frederick 21702 3 BR/2.5 BA $185,000 TH

REO:  496 Hobnail Ct., Hillcrest, Frederick 21703 3 BR/2 BA $179,000 SF

REO:  1326 Huntley Cir., Brookfield, Emmitsburg 21727 3 BR/1 BA $272,300 SF REDUCED FROM $317,500

REO:  2400 Huntwood Ct., Ridgeview II, Whittier Pond, Frederick 21702 3 BR/2.5 BA $217,550 TH  REDUCED FROM $229,000

REO:  2444 Huntwood Ct. E, Ridgeview II, Whittier Pond, Frederick 21702 3 BR/3.5 BA $254,900 TH REDUCED FROM $264,900

Countrywide:  8487 Inspiration Ave., Discovery, Walkersville 21793 5 BR/3 BA $271,900 SF REDUCED FROM $279,900

REO:  7205 Jasper Ct., Fountaindale South, Middletown 21769 3 BR/2.5 BA $245,900 SF REDUCED FROM $270,000

Deutsche Bank:  229 Jefferson Pike, Knoxville 21758 3 BR/2 BA $160,000 SF REDUCED FROM $214,900

REO:  127 Jefferson St., Frederick 21701 2 BR/2 BA $149,900 Duplex

Countrywide:  22 Jeffrey Lane, Galyn Manor, Brunswick 21758 4 BR/3.5 BA $349,900 SF REDUCED FROM $391,900  

REO:  935 Jubal Way, Tuscarora Knolls, Frederick 21701 4 BR/3.5 BA $224,900 TH

REO:  937 Jubal Way, Tuscarora Knolls, Frederick 21701 4 BR/3.5 BA $244,900 TH REDUCED FROM $259,900  

Citifinancial:  210 Key Pkwy., Hawthorne Square, Frederick 21702 3 BR/2.5 BA $149,900 TH    

Ocwen:  243 Lake Coventry Dr., Coventry, Frederick 21702 5 BR/3 BA $236,450 SF REDUCED FROM $289,900    

REO:  8817 Lew Wallace Rd., Villages of Urbana, Frederick 21704 4 BR/3.5 BA $304,900 Gar TH REDUCED FROM $359,900  

Chase:  8434 Liberty Rd., Frederick 21701 5 BR/3 BA $270,900 SF REDUCED FROM $330,000

Fannie Mae:  114 Long Acre Ct., Taskers Chance, Frederick 21702 3 BR/2.5 BA $276,000 Gar TH

Countrywide:  263 Longford Dr., Stonegate Farms, Frederick 21702 4 BR/2 BA $221,900 SF

Green River Capital:  519 Main St., Middletown 21769 4 BR/4.5 BA $399,900 SF REDUCED FROM $439,900

Countrywide:  6231 Manor Woods Rd., Frederick 21703 3 BR/1.5 BA $217,900 SF REDUCED FROM $224,900

Countrywide:  402 Megan Ct., Croghan Square, Frederick 21701 4 BR/2.5 BA $191,900 TH REDUCED FROM $209,900

REO:  5825 Mercantile Dr. W, Hannover, Frederick 21703 4 BR/2 FB/2 HB $244,900 TH

REO:  6821 Michaels Mill Rd., Adamstown 21710 3 BR/1 BA $189,000 SF REDUCED FROM $231,900

Countrywide:  711 Monarch Ridge Rd., Monarch Ridge, Frederick 21703 4 BR/3.5 BA $311,900 SF REDUCED FROM $326,900

REO:  6212 Mountaindale Rd. E, Frederick 21702 2 BR/1.5 BA $179,900 SF Log Home REDUCED FROM $186,900

REO:  5538 Mountville Rd., Adamstown 21710 2 BR/2 BA $119,900 SF REDUCED FROM $199,900

REO:  1606 Norwich Dr. E, Fredericktowne Village, Frederick 21701 4 BR/3.5 BA $251,490 SF

REO:  10028 Old Frederick Ter., Old Frederick Estates, Frederick 21701 4 BR/3.5 BA $363,630 SF

REO:  8110 Old Kiln Rd., Thurmont 21788 5 BR/3.5 BA $425,000 SF Farm with two rental units, stream, pond. REDUCED FROM $450,000

EMC Mortgage:  4832 Old National Pike, Frederick 21702 3 BR/2 BA $239,900 SF REDUCED FROM $272,500  

REO:  1338 Orchard Way, Hillcrest Orchards, Frederick 21703 3 BR/2.5 BA $199,500 SF REDUCED FROM $219,900

REO:  12189 Overlook Dr., Sugar Loaf Overlook, Monrovia 21770 3 BR/2 BA $270,000 SF

REO:  23 Pendleton Ct., Frederick Heights, Frederick 21703 3 BR/1 BA $155,000 TH

REO:  13514 Penn Shop Rd., Mount Airy 21771 4 BR/3 BA $284,900 SF REDUCED FROM $299,900

REO:  150 Penwick Cir., Mill Crossing, Frederick 21702 4 BR/3.5 BA $229,000 TH REDUCED FROM $279,900

REO:  4993 Pintail Ct., Robin Meadows Cluster, Frederick 21703 3 BR/2.5 BA $225,000 TH REDUCED FROM $229,900

Fannie Mae:  180 Poinsett Lane, Stonegate Farms, Frederick 21702 3 BR/2 BA $194,900 SF REDUCED FROM $225,900  

Countrywide:  121 Polaris Dr., Sun Meadow, Walkersville 21793 5 BR/2 FB/2 HB $430,900 SF REDUCED FROM $463,818  

Deutsche Bank:  10825 Powell Rd., Thurmont 21788 4 BR/3 BA $341,990 SF REDUCED FROM $560,000  

GMAC:  1116 Providence Ct., Frederick Heights, Frederick 21703 3 BR/1.5 BA $134,900 TH REDUCED FROM $149,900  

REO:  1127 Providence Ct., Frederick Heights, Frederick 21703 3 BR/1.5 BA $132,900 TH REDUCED FROM $139,900  

Citi Residential:  6801 Quail Knob Ct., Crestview Estates, Frederick 21702 5 BR/3 BA $234,500 SF REDUCED FROM $299,500  

REO:  104 Quail's Nest Way, Taskers Chance, Frederick 21702 3 BR/2.5 BA $214,900 TH REDUCED FROM $219,900  

Fannie Mae:  1535 Rambling Way S, Main, Frederick 21701 3 BR/2.5 BA $225,000 TH

REO:  8350 Revelation Ave, Discovery, Walkersville 21793 3 BR/2.5 BA $138,900 TH

REO:  8390 Revelation Ave., Discovery, Walkersville 21793 3 BR/1.5 BA $129,900 TH REDUCED FROM $154,900

Fannie Mae:  1508 Rising Ridge Rd., Ridgeville Heights, Mount Airy 21711 5 BR/3.5 BA $409,000 TH REDUCED FROM $515,000  

Fannie Mae:  6632 Rockridge Rd., Pinehurst, New Market 21774 4 BR/2 BA $259,900 SF REDUCED FROM $335,900  

GMAC:  2006 Rosecrans Ct., Willow Brook, Frederick 21702 3 BR/2.5 BA $225,900 TH REDUCED FROM $249,900  

Countrywide:  9685 Royal Crest Cir., Urbana Highlands, Frederick 21704 5 BR/2.5 BA $379,900 SF REDUCED FROM $385,900  

Deutsche Bank:  16118 Sabillasville Rd., Sabillasville 21780 4 BR/1.5 BA $205,900 SF Built in 1900  

REO:  5301 A Shookstown Rd. E, Frederick 21702 2 BR/2 BA $164,900 SF REDUCED FROM $194,900  

Fannie Mae:  7100 Silver Cir., Fountaindale South, Middletown 21769 6 BR/3.5 BA $385,900 SF  

REO:  3631 Singleton Ter., Villages of Urbana, Frederick 21704 3 BR/2.5 BA $284,900 TH  

REO:  3907 Skyview Dr., Skyline Manor, Mount Airy 21771 3 BR/2 BA $189,900 SF Total Rehab Needed  

GMAC:  403 A South St., Downtown, Frederick 21701 2 BR/1 BA $119,900 Row Built in 1860  

REO:  6601 Spokeshave Ct., Farmbrook, Frederick 21703 3 BR/2.5 BA $179,900 TH REDUCED FROM $202,900

Wells Fargo Bank:  1768 Stonehaven Lane, Amber Meadows, Frederick 21702 3 BR/2.5 BA $209,984 SF REDUCED FROM $210,000

REO:  1795 Stonehaven Lane, Amber Meadows, Frederick 21702 3 BR/2.5 BA $314,900 SF

Fannie Mae:  1797 Stonehaven Lane, Amber Meadows, Frederick 21702 4 BR/2.5 BA $252,200 SF REDUCED FROM $315,900

Premiere Asset Services:  1002 Storrington Dr., Mill Crossing, Frederick 21702 5 BR/2.5 BA $349,900 SF REDUCED FROM $375,000

HUD:  823 M Stratford Way, Fredericktowne, Frederick 21701 2 BR/2 BA $144,400 Condo

REO:  516 Sugarbush Cir., Overlook, Frederick 21703 3 BR/2.5 BA $180,500 TH REDUCED FROM $199,900

REO:  3933 Sugarloaf Dr., Sugar Loaf Overlook, Monrovia 21770 3 BR/2 BA $309,900 SF

REO:  5763 Sunset View Lane, Foxcroft, Frederick 21703 3 BR/2 BA $189,900 TH REDUCED FROM $197,900

Countrywide:  3 Terben Ct. NE, Colonial Heights, Thurmont 21788 3 BR/2.5 BA $282,900 SF REDUCED FROM $291,900

REO:  12201 Timber Run Ct., Timber Run Estates, Monrovia 21770 4 BR/3.5 BA $474,900 SF REDUCED FROM $565,000

Fannie Mae:  216 Timber View Ct., North Crossing, Frederick 21702 4 BR/3.5 BA $268,900 TH REDUCED FROM $287,900

Countrywide:  11803 Tommy Ct., Green Valley, Monrovia 21770 5 BR/3 BA $298,900 SF REDUCED FROM $456,900  

REO:  950 Turning Point Ct. E, Fredericktowne Village, Frederick 21701 3 BR/2.5 BA $243,410 TH

REO:  5506 Upper Mill Ter. N, Westview Office Court, Frederick 21703 4 BR/3.5 BA $209,900 TH REDUCED FROM $304,900  

REO:  5522 Upshur Sq., Ballenger Crossing, Frederick 21703 4 BR/2 FB/2 HB $209,000 TH

Countrywide:  58 Vienna Ct., Willowcrest, Frederick 21702 4 BR/3.5 BA $127,900 TH REDUCED FROM $168,900

REO:  62 Vienna Ct., Willowcrest, Frederick 21702 3 BR/1.5 BA $115,000 TH

Countrywide:  2137 Wainwright Ct. #2B, Old Farm Station, Frederick 21702 2 BR/2 BA  $139,900 Condo  

REO:  2123 Walnut Ridge Ct., Walnut Ridge, Frederick 21702 4 BR/3.5 BA $399,900 SF

Fannie Mae:  301 Washington St., Manor Ridge, Middletown 21769 3 BR/2.5 BA $334,900 SF

REO:  97 Webb Ct., Willow Brook, Frederick 21702 4 BR/3.5 BA $329,900 SF

REO:  546 Wellington Ct., Frederick Heights, Frederick 21703 3 BR/1.5 BA $209,900 TH REDUCED FROM $233,000

REO:  7311 Westwood Dr., Westwood, Frederick 21701 4 BR/2.5 BA $416,000 SF

Countrywide:  3638 Wheat Miller Dr., Falling Green, Mount Airy 21771 (Carroll County) 4 BR/3.5 BA $555,900 REDUCED FROM $596,900

REO:  2050 Wilcox Valley Rd., Tuscarora Creek Pond, Frederick 21702 4 BR/3.5 BA $340,500 SF REDUCED FROM $399,900

Asset Link:  101 Wild Fig Ct., Taskers Chance, Frederick 21702 3 BR/2.5 BA $204,900 TH

REO:  7908 Wit Mere Ct., Sunny Acres, Frederick 21702 4 BR/3 BA $237,500 SF REDUCED FROM $240,900

HUD:  6349 Yeagertown Rd., New Market 21774 3 BR/2 BA $256,500 SF

Copyright 2008 by Roy Kelley - Information deemed reliable, but is subject to changes. We must always confirm availability and current prices. Any reproduction, distribution or other use is prohibited. Do not email this report to others without written authorization from Roy Kelley.

Please contact us if you have questions about the foreclosure process in Maryland. If you are searching for a property, please tell us about your specific needs.  

Please refer your friends that may wish to purchase a residence or investment property.

Your Real Estate Advisor,

Roy Kelley  

Roy Kelley & Associates

Associate Broker, RE/MAX Realty Group

6 Montgomery Village Avenue, Suite 200 Gaithersburg, MD 20879  

Direct:  301-921-4569   

Client Assistance:  301-670-8996

Email: roykelley@mris.com    Fax:  301-921-4586  Main Office:  301-258-7757 x 569

Blog:  http://activerain.com/blogs/roykelley

Home Search Website: www.roykelley.com  (All available listings may by viewed on Homes Prospector)  

Montgomery County REO:  Please contact us if you wish to receive our Montgomery County report on lender owned foreclosures.

FREE SETTLEMENTS ON REO PURCHASES:  When you purchase a lender owned property, the lender owners frequently ask that you use their title company for the settlement.  And, sometimes, incentives are offered to use the preferred title company. What should you do?  It is always a good idea to compare costs before you submit a contract.  We received an offer by Village Settlements to provide free settlements on REO properties.  Their services and charges may be a good for comparison with other companies that are recommended by the lenders.  The following link will take you to their website and a coupon which can be used.  http://www.villagesettlements.com/VSI/freeREOsettlement.html    If you have any questions about this offer, please contact David Parker,Esq., President,  Village Settlements, Inc., Law Offices of Hirschel, Savitz, Parker & Hollman, P.A. 177 Kentlands Blvd., Gaithersburg, Maryland 20878 Phone: 301-590-9300 ext 121 E-mail: dparker@villagesettlements.com