homes for sale: Bay Ridge Homes - Annapolis. MD 21403
- 10/28/09 10:25 AM
Annapolis Real Estate and Relocation in Anne Arundel County, the Eastern Shore, and Maryland The Map shows the first 20 homes for sale. Begin Your Search By Clicking on any of the House Icons Below. Want to see more Homes for Sale or Create Your Own Search? Just Click Here!
Want to Search for More Homes In Maryland? Just Click Here! Pat Ogle and The AnnapolisHomes4You.com Team are dedicated real estate professionals specializing Waterfront Homes for Sale and Properties in Annapolis, Arnold, Severna Park, Edgewater , Anne Arundel County, The Esatern Shore, and the Surrounding areas … (0 comments)
homes for sale: Annapolis, MD Waterfront Homes for Sale
- 10/28/09 09:05 AM
Annapolis Real Estate and Relocation in Anne Arundel County, the Eastern Shore, and Maryland The Map shows the first 20 homes for sale. Begin Your Search By Clicking on any of the House Icons Below. Want to see more Homes for Sale or Create Your Own Search? Just Click Here!
Want to see more Waterfront Homes In Maryland? Just Click Here! Pat Ogle and The AnnapolisHomes4You.com Team are dedicated real estate professionals specializing Waterfront Homes for Sale and Properties in Annapolis, Arnold, Severna Park, Edgewater , Anne Arundel County, The Esatern Shore, and the Surrounding areas … (0 comments)
For More Valuable Real Estate Information visit: http://freereports.annapolishomes4you.com/ TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986 Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Certified Residential Specialist / Certified Internet Marketing Specialist Over $73,000,000 in Settled Sales Champion Hall of Fame Best of the Best 2003, 2004, 2005, 2006, 2007, 2008 National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008 #1 in AOL, Comcast, Google and Yahoo #1 Relocation site for Annapolis, Anne Arundel County Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401 410.224.0660 (O) 443.569.2736 (C) 410-224-0632 (F) … (0 comments)
Suppose you earn $5000 a month and you have a car payment of $400. At current interest rates (approximately 8% on a thirty-year fixed rate loan), you would qualify for approximately $55,000 less than if you did not have the car payment. Even if you feel you can afford the car payment, mortgage companies approve your mortgage based on their guidelines, not yours. Do not get discouraged, however. You should still take the time to get pre-qualified by a lender. However, if you have not already bought a car, … (0 comments)
homes for sale: Important Things To Avoid Before Buying a Home Part 2
- 10/16/09 07:53 AM
The Effect of Changing Jobs For most people, changing employers will not really affect your ability to qualify for a mortgage loan, especially if you are going to be earning more money. For some homebuyers, however, the effects of changing jobs can be disastrous to your loan application. How Changing Jobs Affects Buying a Home Salaried Employees If you are a salaried employee who does not earn additional income from commissions, bonuses, or over-time, switching employers should not create a problem. Just make sure to remain in the same line of work. Hopefully, you will be earning … (1 comments)
homes for sale: Benefits of Owning Your Own Home Part 1 The Video
- 10/08/09 04:28 AM
For More Valuable Real Estate Information visit: http://freereports.annapolishomes4you.com/ TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986 Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Certified Residential Specialist / Certified Internet Marketing Specialist Over $73,000,000 in Settled Sales Champion Hall of Fame Best of the Best 2003, 2004, 2005, 2006, 2007, 2008 National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008 #1 in AOL, Comcast, Google and Yahoo #1 Relocation site for Annapolis, Anne Arundel County Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401 410.224.0660 (O) 443.569.2736 (C) 410-224-0632 (F) e-Mail PatOgle@AnnapolisHomes4You.com Visit http://www.annapolishomes4you.com/ Please … (2 comments)
For More Valuable Real Estate Information visit: http://freereports.annapolishomes4you.com/ TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986 Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Certified Residential Specialist / Certified Internet Marketing Specialist Over $73,000,000 in Settled Sales Champion Hall of Fame Best of the Best 2003, 2004, 2005, 2006, 2007, 2008 National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008 #1 in AOL, Comcast, Google and Yahoo #1 Relocation site for Annapolis, Anne Arundel County Champion Realty, Inc. 711 Bestgate Road, Annapolis, … (0 comments)
homes for sale: Eight Ways to Improve Your Credit
- 10/05/09 07:50 AM
Credit scores , along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for. 1. Check for and correct errors in your credit report . Mistakes happen, and you could be paying for someone else’s poor financial management. 2. Pay down credit card bills. If possible, pay off the entire balance every month. However, transferring credit card debt from one card to another could lower your score . 3. Don’t charge your credit cards to the maximum limit. 4. Wait 12 months after credit difficulties … (0 comments)
homes for sale: October's Money Talk
- 10/02/09 06:50 AM
The Recession and Your Age The recession has affected people of different ages in different ways. According to a telephone survey by the Pew Research Center's Social & Demographic Trends project, young people who are just emerging into the job field have experienced the worst of it, while adults age 65 and over who are already retired have not felt as much impact. Despite the struggle to find a job, many young people remain optimistic about their financial future. Seventy-one percent of people age 18-29 had no financial losses or had no investments before the recession, but 68 percent have made … (1 comments)
homes for sale: Important Things To Avoid Before Buying a Home Part 1
- 09/21/09 07:59 AM
Don’t Move Money Around When a lender reviews your loan package for approval, one of the things they are concerned about is the source of funds for your down payment and closing costs . Most likely, you will be asked to provide statements for the last two or three months on any of your liquid assets. This includes checking accounts, savings accounts, money market funds, certificates of deposit, stock statements, mutual funds, and even your company 401K and retirement accounts. If you have been moving money between accounts during that time, there may be large deposits and withdrawals in … (0 comments)
homes for sale: 8 Steps to Getting Your Finances in Order
- 09/17/09 06:59 AM
Develop a family budget. Instead of budgeting what you'd like to spend, use receipts to create a budget for what you actually spent over the last six months. One advantage of this approach is that it factors in unexpected expenses, such as car repairs, illnesses, etc., as well as predictable costs such as rent. Reduce your debt. Generally speaking, lenders look for a total debt load of no more than 36 percent of income. Since this figure includes your mortgage, which typically ranges between 25 percent and 28 percent of income, you need to get the rest of installment debt—car loans, … (1 comments)
homes for sale: Benefits of Owning Your Own Home Part 6
- 09/17/09 06:29 AM
More Space Both indoors and outdoors, you will probably have more space if you own your own home. Even moving to a condominium from an apartment, you are likely to find you have much more room available – your own laundry and storage area, and bigger rooms. Apartment complexes are more interested in creating the maximum number of income-producing units than they are in creating space for each of the tenants. If you are moving to a home for the first time, you are going to be very pleased with all the new space you have available. You may have … (0 comments)
homes for sale: Benefits of Owning Your Own Home Part 5
- 09/15/09 06:19 AM
Freedom & Individualism When you rent, you are normally limited on what you can do to improve your home. You have to get permission to make certain types of improvements. Nor does it make sense to spend thousand of dollars painting, putting in carpet, tile or window coverings when the main person who benefits is the landlord and not you. Since your landlord wants to keep his expenses to a minimum, he or she will probably not be spending much to improve the place, either. When you own a home , however, you can do pretty much whatever … (0 comments)
homes for sale: Savings & Down Payment : Your First Step Toward Buying a Home
- 09/14/09 08:54 AM
When preparing to buy a home, the first thing many homebuyers do is look at "homes for sale" ads in newspapers, magazines and listings on the internet. Some potential buyers read "how-to" articles like this one. The next thing you should do - before you call on an ad, before you talk to a Realtor, before you shop for interest rates - is look at your savings. Why? Because determining how much money you have available for down payment and closing costs affects almost every aspect of buying a home - including how you write your purchase offer, the loan programs … (3 comments)
homes for sale: When Is It Time To Replace My Roof?
- 09/08/09 07:52 AM
Most experts agree that one of the best ways to avoid roof trouble is to inspect your roof twice a year: In the Fall, for sun damage and in the Spring for Winter damage. By doing this, you will be able to identify any problems early, before you start having leaks. Use binoculars from the ground to check for problems. If you have asphalt shingles (petroleum based material covered with sand-like granule), look out for a roof surface that is not smooth and the edges of the shingles are curled and warped. Check for crooked shingles. Scan the roof for … (0 comments)
homes for sale: Benefits of Owning Your Own Home Part 4
- 09/03/09 03:54 AM
Another benefit of owning a home is Forced Savings. Some people are just lousy at saving money, and a house is an automatic savings account. You accumulate savings in two ways. Every month, a portion of your payment goes toward the principal. Admittedly, in the early years of the mortgage, this is not much. Over time, however, it accelerates. Second, your home appreciates. Average appreciation on a home is approximately five percent, though it will vary from year to year, and in some years may even depreciate.. Over time, history has shown that owning a home is one of … (2 comments)
homes for sale: What is the impact of rising interest rates on home prices?
- 09/03/09 03:25 AM
Pat Savani again use some goodcommomn sense in her bog on the impact of rising intrest rates. Rising rates usually affect home prices to some extent. This was evident in the most recent boom when affordability was up in the 140% range, rates were low and CLICK HERE FOR THE REST OF THE STORY For More Valuable Real Estate Information visit: http://freereports.annapolishomes4you.com/ TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986 Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Certified Residential Specialist / Certified Internet Marketing Specialist Over $73,000,000 in Settled Sales Champion Hall of … (0 comments)
homes for sale: When Is It Time To Replace My Roof?
- 09/01/09 06:09 AM
Most experts agree that one of the best ways to avoid roof trouble is to inspect your roof twice a year: In the Fall, for sun damage and in the Spring for Winter damage. By doing this, you will be able to identify any problems early, before you start having leaks. Use binoculars from the ground to check for problems. If you have asphalt shingles (petroleum based material covered with sand-like granule), look out for a roof surface that is not smooth and the edges of the shingles are curled and warped. Check for crooked shingles. Scan the roof for … (0 comments)
homes for sale: National/Maryland Weather Forecast!
- 09/01/09 05:38 AM
Champion Realty has place on YouTube.com a great little ad on the National Weather(Real Estate) Forecast. To take a look Click Here tell me what you think.
For More Valuable Real Estate Information visit: http://freereports.annapolishomes4you.com/
TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986
Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Certified Residential Specialist / Certified Internet Marketing Specialist Over $73,000,000 in Settled Sales Champion Hall of Fame Best of the Best 2003, 2004, 2005, 2006, 2007, 2008 National Sales Award, 2003, 2004, 2005, 2006, 2007, … (0 comments)
homes for sale: Effective Communication is Key When Negotiating
- 08/27/09 07:03 AM
I love the way Pat puts things. Simple and to the point. I am convinced one of the most difficult things we do when negotiating is to communicate effectively. More transactions are lost because we misunderstand, don't listen, assume we know, don't call back, don't clearly articulate, don't write it down or don't work to build consensus. To communicate effectively we need to: Listen Try to understand what the other party wants and why they are requesting it? Know if a request is a casual want or an absolute need? Know how to identify an alternative option that will satisfy their request? Return … (0 comments)
Pat Ogle Realtor
Associate Broker, CRS, CRIS, CCBR, DSAC e-Pro, GRI
Real Estate in Annapolis and the Chesapeake Bay | The Land of Pleasant Living!
My real estate clients fall into two categories: 1) they want advice to help them on looking for their dream home that fits their budget, or 2) they want advice to help them in selling their home for top dollar in the right time frame. And I’m happy to give them that advise, and the 5-star home buying or selling experience they deserve.
I know the Annapolis and Chesapeake Bay area real estate market like the back of my hand… finding and assessing home values is like breathing. I also use home marketing strategies to get the best possible result, while negotiating awesome deals. When it comes to taking care of my real estate clients, I’m not happy until they give me a 5-star rating or review.
Now we might not be a fit… over the years I’ve found not everyone is looking for a 5-star experience. My clients like to be free of stress when buying or selling a home so they can focus on their move, and they want me to take care of the details.
Are you thinking of Buying or Selling a home in the Annapolis or Chesapeake Bay area? Want to invest in real estate in The Land of Pleasant Living? Let’s connect and start talking!
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