Bob Caldwell's (rcaldwell) Blog

Mortgage and Lending - Fitzgerald Financial, a Division of Monarch Bank
From the Desk of Bob Caldwell FHA vs. Conventional Mortgage Insurance With the FHA upfront mortgage insurance premium increase from 1% to 1.75% and monthly insurance premium of 1.25m is FHA the clients with minimum down payments ? Purchase Price FHA: $250,000 Conventional: $250,000 Downpayment F...
From the Desk of Bob Caldwell FHA/VA Loan Limits County by County 2012 For the Southern MD Area Updated as of April 2, 2012 FHA LOAN LIMITS Charles County: $729,750 King George’s County: $386,250 St. Mary’s County: $400,000 Prince George’s County: $729,750 Calvert County: $729,750 VA LOAN LIMITS...
From the Desk of Bob Caldwell FHA/VA Loan Limits County by County 2012 For the Annapolis/Baltimore Area Updated as of April 2, 2012 FHA LOAN LIMITS Anne Arundel County: $560,000 Baltimore County: $560,000 Calvert County: $729,750 Howard County: $560,000 Prince George’s County: $729,750 Queen Anne...
People always ask me, "How can I get a loan with little to no money down?" Yesterday I shared a blog post that details VA, USDA, and FHA loans, all of which can get you--assuming you're eligible--a home loan with little to no money down.  This next blog post talks about FHA loans and anybody look...
How do you buy a home with no money down?  Is this even possible with the new regulations that came into effect after the housing bubble burst?  Believe it or not, the answer is yes--to a degree.  VA, USDA, and FHA loans all allow you to put no money or a small amount of money down upfront.  This...
The following blog details some aspects of social media marketing along with announcing an ActiveRain seminar on the top, "More Social, Less Media." While I believe there's actually a role for more media in the real estate industy (photos, YouTube videos, customer testimonies, etc.), the social a...
I've blogged in the past about the importance of "location, location, location" in terms of home valuation, especially in the current market where the housing industry is still recovering in many places throughout the country.  In addition to location, as this blog notes, a lot of a home's value ...
I've written about the topic before, but for those unfamiliar with search engine optimizations tips and tricks, Google updates its proprietary search algorithm every few months or so--and this decides where your website(s) will end up in the ranked search results provided by Google.   The most re...
While I am writing this on the Internet, this article sums up-nonetheless--the benefits of working with a local, community lender like myself.  This is a great blog post I want to share with all that are reading this...Often times buyers miss the point in the beginning of an Escrow that choosing ...
Jonathan Benya, a real estate agent from Charles County, makes note of three very important pieces of news--good news for a change--about home sales in the county.Charles County, Maryland home owners may finally have some good news! Good News #1 - Active Listing Volume Has Fallen There are less h...

Bob Caldwell

VA Mortgage Specialist and Military Relocation Services
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