buying a home: Home Buying Seminar
- 04/29/15 11:06 AM
Take the Confusion Out of Home Buying
Free Home Buying Seminar
You will learn how to:
Lease with Right to Purchase Where to find 100% Financing Find the Lowest Interest Rates Negotiate an Offer with Minimum Cash Calculate your total monthly payment Get pre-qualified for a mortgage Improve your credit score quickly When: Tuesday, May 12, 2015 6:00pm
Where: Springhill Suites
7055 Minstrel Way
Columbia, MD 21046
Call: June Piper-Brandon 410-292-0100 (Direct) or 410-730-8888 (Office)
Email: June.PiperBrandon@C21NM.com
Space is limited so … (4 comments)
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buying a home: You Can Take the Girl Out of the Country but...
- 01/22/15 11:15 AM
You Can Take the Girl Out of the Country but....
You Can't Take the Country Out of the Girl
Most people think I only sell city properties. Yet, I am a country girl at heart. I was born and raised on a beef farm and I do love the outdoors. So, when my office manager asked me to take this referral I jumped at the chance.
My clients, Jodale and Ralph, were moving here from California. They have 2 horses so they needed a property with at least 2 acres and they might … (4 comments)
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buying a home: So You Want to Buy a House - Procuring Cause
- 12/23/14 04:38 AM
So You Want to Buy a House - Procuring Cause
This is a topic that is near and dear to my heart. I've had a couple occasions when clients have hopped agents and I've lost out on my commission. And, depending on the verbiage of your Buyer's Agency Agreement or Buyer Broker Agreement this could easily happen to anyone.
Buyers are not real estate professionals. For the most part, they don't understand agency and they don't understand how real estate professionals get paid. Some even think that we are paid a salary and this is our paid job and I've even heard one or two remark … (3 comments)
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buying a home: Team Work Strikes Again - Another Happy Homeowner
- 12/04/14 10:25 AM
Team Work Strikes Again - Another Happy Homeowner
Today we had another very successful settlement.
It's really important to work with a team that understands all the programs in the area and can answer questions that a new home owner might have.
A few months ago I received a referral from a previous client. From our first meeting I was able to determine that Devin was eligible for some down payment assistance programs. I referred him to James Randolph at Primary Residential Mortgage and South East Community Development Corporation to take his home buyer education class online. Jim was … (2 comments)
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buying a home: Warning Signs of a Foundation Problem
- 11/30/14 11:33 AM
Warning Signs of a Foundation Problem
We see a lot of these issues in older homes in Maryland. Baltimore was voted the most visibly historic city in America. Sometimes these problems are very old and the house has stopped doing what it is going to do and it's a little off kilter but it's best to consult an expert. I would never recommend that you buy a home without a thorough home inspection and if there is a problem consult a qualified structural engineer to be sure your house is going to be there for a good long time. John … (2 comments)
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buying a home: How Would You Know if Buying a Home Wasn't Possible?
- 10/16/14 01:57 AM
How Would You Know If Buying A Home Wasn’t Possible?
Indeed, how would you know?
Some objections to purchase are:
I don’t have a down payment saved. I have student loans Buying isn’t for people like me I can’t afford it Owning is for rich people Nobody in my family has ever owned a home Buying a home isn’t just for the rich and famous!! This year Anthony, who works for the City of Baltimore making $26400 a year purchased a home priced … (1 comments)
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buying a home: Top Features Today's Homebuyers are Hunting For
- 10/13/14 12:48 PM
Top Features Today's Homebuyers are Hunting For
For today’s buyers, finding that perfect home goes way beyond finding the perfect neighborhood that’s a stone’s throw from the office. With must-have lists that can range anywhere from a few items to those that are more than a mile long, we Realtors certainly have our work cut out for us when it comes to finding our clients the home that’s just right.
While every buyer has their heart set on a whole list of specific things they absolutely can’t live without, here are just a few of the features they are looking for … (1 comments)
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buying a home: Always Qualify First! (video included)
- 07/27/14 01:47 AM
This is great advice to new and experienced agents alike.
When I took new agent training our instructor made us all stand and give the girl/boy scout salute and swear "I am not a tour guide" and I have held to that with every buyer.
Gas is $3.53/gallon (near me) and I cover a large geographic area. Why would I waste my time and money showing homes to people who are not qualified.
Plus, I always use one of my first client's as an example, he was sure his credit was fine and was talking to my lender. He had already … (0 comments)
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buying a home: THREE BIG MISTAKES FOLKS MAKE WHEN THINKING ABOUT A HOME PURCHASE
- 06/11/14 10:27 PM
I get calls from future home buyers every day and some just want to look at homes, they don't want to get preapproved before looking. When I got my license many years ago my instructor, the late Linda Dougherty, made us all stand up and give the Boy/Girl Scout salute and swear "I am not a Tour Guide" and made us all swear that we would never take buyer's out to look at homes without them first meeting with a lender and getting pre-approved for a loan.
I had a buyer early on in my career who thought he had perfect credit … (2 comments)
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buying a home: First Time Home Buyer Grants and Loans in Maryland
- 06/02/14 09:51 PM
House Keys for Employees is a great loan program. I sold a house last month using this grant and my buyer did not have to bring any money to the table for settlement. Plus, their monthly mortgage payment for their new single family home in Randallstown is less than they were paying for rent on their much smaller apartment.
If you don't know whether or not your employer participates in this program ask me and I'll look it up for you.
But, don't wait too long, our inventory of homes is lower than ever before and there is a lot of … (1 comments)
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buying a home: Should I Put My Girlfriend or Boyfriend On The Deed to the House?
- 01/01/14 09:37 PM
I get asked this question a lot. In fact, this year I've sold several homes where the boyfriend and girlfriend are living together but not officially engaged. I tell them that I'm not an attorney and they should consult one, I also recommend that they consult their heart to decide if this is the forever mate.
Things to consider:
Do you need the income of the other person in order to maintain your lifestyle.
How long have you already been living together? Will the stresses of buying a home together put undue stresses on the relationship?
Do you already have joint … (2 comments)
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buying a home: Buyer's Responsibility - Cash Deposits Could Cause Delays or Denials
- 11/20/13 12:41 PM
Buyer's Responsibility - Cash Deposits Could Cause Delays or Denials
In Maryland the contract of sale is very clear about the consequences of a buyer defaulting on the contract of sale. Entering into a contract is a serious thing and the contract of sale is a legally binding document, not to be taken lightly.
If you are a good agent and have been thoroughly trained you know the pitfalls of buying a home and you will explain the ins and outs of the contract to your client. When my client's sign their first contract of sale with me, we sit … (0 comments)
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buying a home: Can a Buyer get out of a contract if they find a better home to buy?
- 05/06/13 08:59 PM
This scenario could fall under "Buyer's Remorse" and like Scott says hire an experienced full time agent to help guide you through the process. Ask them how many buyers they have represented and don't be afraid to ask for references and testimonials. When you are selling a home a national companies brand recognition is important but when you are buying a home it's more about the individual agent, their experience and their ability to get the job done. Ask your agent if they represent mostly sellers or mostly buyers or about 50/50. You'll want someone who is a savvy negotiator and can … (0 comments)
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buying a home: Top Ten Reasons You Need a Buyer's Agent to Buy a Home
- 11/20/12 12:04 AM
Top Ten Reason's You Need a Buyer's Agent to Buy a Home
Buyers do not normally pay the agent that represents them. The seller does, so why not have a Buyer's Agent? A Buyer's Agent has access to a lot of information that you don't and no one will tell you about it when it's you do not have an agent. An agent can save you a lot of time, energy and heart ache in finding a new home. A Buyer's Agent has an obligation to protect your best interest, not anybody elses. They will evaluate and give you the best … (4 comments)
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buying a home: Procuring Cause - So You Want to Buy a Home
- 06/06/12 12:57 AM
Procuring Cause – So You Want to Buy a House
This is a topic that is near and dear to my heart. I’ve had a couple occasions when clients have hopped agents and I’ve lost out on my commission. And, depending on the verbiage of your buyer’s agency agreement or buyer broker agreement this could easily happen to anyone.
Buyers are not real estate professionals. For the most part, they don’t understand agency and they don’t understand how real estate professionals get paid. Some even think that we are paid a salary and this is our paid job. They don’t understand … (2 comments)
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buying a home: Why Debt Can Be a Good Thing
- 05/27/12 12:39 PM
Why Debt Can Be a Good Thing
When it comes to the best ways to use money, too many people operate under some key misconceptions,
Having no debt is a good thing Having a bank account isn't necessary Paying cash for everything is a good thing Paying off your home mortgage provides financial security. A 15-year mortgage is always the quickest way to pay off your home. Putting money in your 401K or other qualified plan saves you taxes. The stock market is the only place to generate high, double-digit returns. This post was inspired by one written in RIS Media. … (2 comments)
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buying a home: Taking the Stress out of Saving for a Down Payment
- 05/11/12 12:32 AM
Taking the Stress Out of Saving for a Down Payment
Are you dreaming of owning a home, and feeling stressed about coming up with money for a down payment? Coming up with 3.5% or more of the purchase price is enough to scare many perspective buyers away. However, even if you don’t have the necessary funds for a down payment in your bank account, there are many other options that you should take into consideration to come up with the money you need to put a down payment on your dream home.
Possibly one of the easiest ways to get … (0 comments)
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buying a home: Debt Collector Calling? How to Spot a Fake
- 04/11/12 01:26 PM
Debt Collector Calling? How to Spot a Fake
Consumers across the country are reporting creditor calls on loans they never received or on amounts they do not owe, according to the Federal Trade Commission (FTC). The FTC is warning consumers to be on alert for scam artists posing as debt collectors. However, it can be difficult to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. According to the FTC, the caller may be a fake debt collector if they:
Are … (5 comments)
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buying a home: 8 Tips to Guide Your Home Search
- 10/22/10 03:43 AM
8 Tips to Guide Your Home Search
1. Research before you look.
Decide what features you most want to have in a home. You'll want to know how many bedrooms, bathrooms you need, what things you are looking for in a kitchen and how much work you are prepared to put into your new home after it's yours. Decide what neighborhoods you prefer, schools, places of worship and proximity to family are all important considerations. And, how much you'd be willing to spend each month for housing.
2. Be realistic.
It's OK to be picky, but don't be unrealistic with your expectations. There's no … (1 comments)
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buying a home: 100 or more Homes in Baltimore for Under $100,000
- 05/26/10 04:12 PM
100 or more Homes in Baltimore for Under $100,000
I was recently blessed with a new home buyer. She is a wonderful girl and has done all the right things and taken care of her credit and is preapproved and has reserves and is ready to look at homes. Now my buyer was also very clear about where she wanted to live. She wanted to live in Hampden, Remington, Charles Village or Waverly.
Her price range, under $100,000. In some parts of the country this may seem like a lot of money but in Baltimore City and in this part of … (3 comments)
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Take the Confusion Out of Home Buying
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