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2015 

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Chat slang is a method of typing long words and phrases as short one-to-four letter words and is also used by people who have difficulties spelling. For example, instead of typing out "are", someone may only type "r." Although chat slang can be easier for you and sometimes faster to type, it make...
01/27/2015
It's cold and snowy in Maryland and I am blessed to be able to work from home today in front of my cozy fireplace. As I was getting the fire started this morning, I realized that I have been taking for granted the fact that my dear husband has worked long and hard over the course of the last year...
01/26/2015
A recent announcement by HUD relating to the reduction in FHA Mortgage Insurance Premiums has spurred an uptick in refinance applications nationwide as well as, hopefully, a renewal of interest for home buyers seeking an FHA Loan.  This reduction will save consumers possibly thousands of dollars ...
01/21/2015
Every day we send out several if not hundreds of e-mails.  Our e-mail signature says a lot about us.What is yours telling your contacts?My e-mail signature is pretty straight forward, name address and PHONE NUMBER.  The e-mail address itself of course is easy to find.  More and more I see that pe...
01/13/2015
This is a plain language addendum that one would think is not that hard to understand, especially by those who claim to be "representing" the seller.    I have read and re-read this addendum (current version dated 10/7/14) and simply cannot find a single word that says that buyer, if they choose ...
01/08/2015
As we look forward to a new year we are reminded that the new Consumer Disclosures will become mandatory in August. Those of us in the title industry have already started gearing up for the changes by updating our computer hardware if needed so that our computers are able to handle the new softwa...
01/06/2015
Maryland: Agents Must Verify Recommended Provider License Status   Effective August 18, 2014,  real estate agents, in the state of Maryland, must verify, at least, once a year, the licensing status of recommended service providers.   Under the rule, if an agent chooses to recommend service provi...
01/05/2015
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CHARLENE PERRY, CLTP

Insuring the Past to Protect Your Future
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