I work as a both a realtor and loan officer!!   

I am the rare exception to the rule when it comes to doing two jobs at the same time.     I truly am accessible 24/7 to my clients.    Even if I am in a meeting with another client I will answer my phone to tell you when I can call you back to handle your need.    This accessibility combined with my vast knowledge of both the areas and of the mortgage and real estate industries make for a formidable combination as your realtor/loan officer.   

This unique combination never leaves me looking for answers on either side of the coin.   I have helped almost 500 clients achieve their dream of new homeownership, and helped hundreds more refinance successfully.  

Several years ago I began writing The Ultimate First Time Buying Guide in an effort to educate my first time buyer clients.   The Guides are now completed, and have grown to include several additional Guides.      Feel free to ask me for a copy of any one of my Guides.  

The Ultimate First Time Buying Guide has so many useful and informative chapters.     Readers will learn how to accomplish and understand many things by reading and working through my Guides.    The Guides are written in an easy reading format.    I wrote and edited the books so that I could talk to readers about complicated and technical first time buyer topics in easily digested bite size pieces.    Each chapter adds a little bit more of the picture until the entire picture is crystal clear!!

The Ultimate First Time Closing and Settlement Table Guide was written to complete the entire real estate process from A to Z.  Everything that first time buyers want to know about Settlement Day, and what happens at the Settlement Table is in here.    I even included a Settlement Day checklist and a Settlement Day Timeline so that first time buyers can have a feeling of Deja Vu before going forth to buy their first house.   

I wrote these Guides so that first time buyers, and second time buyers, could "Play the Game" before actually playing the game.   This feeling of doing something before actually doing it makes the actual event seem pretty Ho Hum, and definitely not the anxiety riddled process that can sometimes be the path to new homeownership. Without proper first time buying education, the right realtor and right loan officer it can be a rough journey!!     These Guides will instill lots of confidence in you and help you to make a great decision at a critical time in your first time buying process.

As a highly creative mortgage wizard and a realtor, I bring a lot synergistic skill sets to the table.     My knowledge of the area, and my ability to look at multiple situations and make apples to apples comparisions for my clients is second to none.    Apples to apples comparisions are only as good as the apples are close in size.    I help my clients not to forget some of the most important quantification elements before they do their final math.     A lot of my clients tell me that I have helped them keep things in perspective.

Ask me about my FREE $ FOR FIRST TIME BUYERS PROGRAM!!!     There is so much $ available to first time buyers from so many different community redevelopment programs it would make your head spin.    Just in my area along I can't count on one hand the different opportunities that are out there for qualified First Time Buyers.     My FREE $ FOR FIRST TIME BUYERS PROGRAM guarantees that we can find 100% of First Time Buyers some FREE MONEY, even if it just directly from us.  

One program available locally in Montgomery County grants the lucky first time buyer 8 to 10% of salesprice depending upon their household income.   Even at 8% of $200,000 I can show a First Time Buyer how to get this money and use it to buy their first house.   THIS is FREE MONEY!!     ALL YOU HAVE TO DO IS JUST STAND UP AND SAY.....      "SHOW ME THE MONEY!!!!!!!"

The Ultimate First Time Buying Guides are just what every first time buyer really needs.    Great information in a great format.   Comprehensive knowledge in an easy to understand language!!    Never again will 1st time buyers want to know what happens before, during, and at the settlement table of a first time buyer.    A great window on the 1st time buying process and what it takes to be a formidable buyer!! 

Chris did a fantastic job for my wife and I when we needed to buy a Shorehome in Ocean City.   Chris got us one of the best interest rates available at the time.   4.75% with 0 pts on a 15 year fixed was a great rate and Chris was very accesible to answer questions.    He even drove 90 minutes down to attend our closing!!            

I met Chris in the fall of 2007.   I was about to lose my house to foreclosure and Chris helped me save my property.     I stood to lose over $200,000 in equity, and was going to have to move into an apartment.     Without Chris' extreme resourcefulness I would have lost my home.    Thank You Chris and God Bless.                     

I have known Chris Cat for many years!!    He did a great job in helping me finance my new home purchase, and recently helped me refinance and save a couple of hundred dollars a month without paying any refinance closing costs.    I have referred a lot of friends and familly to him and he has always done a great job.                  

I have known Chris for over 30 years.   He has helped me purchase and refinance several properties in the last 5 years or so.   He was able to get us a 4.5% interest rate on one of our properties, and 5% on our new house.   Chris made all of these transactions for us very easy and anxiety free.    I have referred him to a lot of friends and co workers that have also enjoyed working with Chris.   The best thing about Chris Cat is that he can do a good faith estimate down to the penny without a calculator or a laptop and be spot on with the numbers.    Thanks for all the great work!!     

I met Chris through an interesting piece of mail that he sent me last year.   It was basically a blueprint to refinance my house at ZERO cost.   I scoffed at his suggestion at first, but called Chris anyway.   Within 3 weeks I got a new appraisal, signed some papers, and closed on my refinance that saved me $275 a month and didn't pay a red cent in closing costs!!   THE PERFECT REFINANCE!!   I didn't realize that there people out there like Chris that knew exactly when the best time was for me to refinance.    He knew how much he could save me and the same time that he knew that he could do the refinance for FREE.   Chris Cat you ARE a real estate and mortgage wizard!!   Thanks for finding me and helping me out!!     

Chris helped my wife and I finance our first house in 2006.    We were living in an apartment for several years and just weren't sure if we could afford or get approved for a mortgage.    Chris answered all of our questions and got us approved for 100% financing to buy our first house.    Without Chris, we would still be paying $1,000 a month in rent and getting little or nothing for it.   Thanks to Chris and his first time buying guides we got through the entire process smoothly and seamlessly.    

I have known Chris for several years through a good realtor friend.    Chris recently offered to refinance my $300,000 6.5% 30 year fixed rate down to a 5.625% 20 year fixed rate with ZERO CLOSING COSTS associated with the deal.     As hard as it was to believe that he could do this for us we jumped on ship, and got the 5.625% with NO CLOSING COSTS whatsoever.    We closed in about 3 weeks from the time that we locked in our interest rate.    GREAT JOB CHRIS!!!           

Chris helped us get approved for our first mortgage.   He was a great partner and and complete hand holder when we needed it.    Everything that he told us was going to happen during the mortgage process happened like clockwork.     Thanks for making things so easy on us!!