Maryland's Top Real Estate Blog by Robert McArtor, Long and Foster Real Estate, Inc.

The REAL Story of Thanksgiving

2010-11-25T06:50:00.000-08:00

"On August 1, 1620, the Mayflower set sail. It carried a total of 102 passengers, including forty Pilgrims led by William Bradford. On the journey, Bradford set up an agreement, a contract, that established just and equal laws for all members of the new community, irrespective of their religious beliefs. Where did the revolutionary ideas expressed in the Mayflower Compact come from? From the Bible. The Pilgrims were a people completely steeped in the lessons of the Old and New Testaments. They looked to the ancient Israelites for their example. And, because of the biblical precedents set forth in Scripture, they never doubted that their experiment would work."

Now, you know the usual story of Thanksgiving: They landed. They had no clue where they were, no idea how to feed themselves. The Indians came out, showed 'em how to pop popcorn, fed 'em turkey, saved 'em basically -- and then white European settlers after that basically wiped out the Indian population. It's a horrible example. Not only is that not true, here is the part that's been omitted from what is still today taught as the traditional Thanksgiving story in many schools. "The original contract the Pilgrims had entered into with their merchant-sponsors in London called for everything they produced to go into a common store,' when they got here, 'and each member of the community was entitled to one common share. All of the land they cleared and the houses they built belong to the community as well.

"They were going to distribute it equally. All of the land they cleared and the houses they built belonged to the community as well. ... [William] Bradford, who had become the new governor of the colony, recognized that this form of collectivism was as costly and destructive to the Pilgrims as that first harsh winter, which had taken so many lives. He decided to take bold action. Bradford assigned a plot of land to each family to work and manage, thus turning loose the power of the marketplace. ... Long before Karl Marx was even born, the Pilgrims had discovered and experimented with what could only be described as socialism,' and it had failed" miserably because when every put things in the common store, some people didn't have to put things in for there to be, people that didn't produce anything were taking things out, and it caused resentment just as it does today. So Bradford had to change it.

"What Bradford and his community found was that the most creative and industrious people had no incentive to work any harder than anyone else, unless they could utilize the power of personal motivation! But while most of the rest of the world has been experimenting with socialism for well over a hundred years – trying to refine it, perfect it, and re-invent it – the Pilgrims decided early on to scrap it permanently. What Bradford wrote about this social experiment should be in every schoolchild's history lesson. If it were, we might prevent much needless suffering," that happens today and will happen "in the future. 'The experience that we had in this common course and condition, tried sundry years...that by taking away property, and bringing community into a common wealth, would make them happy and flourishing – as if they were wiser than God,' Bradford wrote.

"'For this community (so far as it was) was found to breed much confusion and discontent, and retard much employment that would have been to their benefit and comfort. For young men that were most able and fit for labor and service did repine that they should spend their time and strength to work for other men's wives and children without [being paid] that was thought injustice.' ... The Pilgrims found that people could not be expected to do their best work without incentive. So what did Bradford's community try next? They unharnessed the power of good old free enterprise by invoking the undergirding capitalistic principle of private property. Every family was assigned its own plot of land to work and permitted to market its own crops and products. And what was the result?"

Here's what Bradford wrote, the governor of the Massachusetts colony. "'This had very good success,' wrote Bradford, 'for it made all hands industrious, so as much more corn was planted than otherwise would have been.' Bradford doesn't sound like much of a Clintonite, does he?" or an Obamaite, if I can update it. "Is it possible that supply-side economics could have existed before the 1980s? ... Anyway, the pilgrims found "In no time, the Pilgrims found they had more food than they could eat themselves. ... So they set up trading posts and exchanged goods with the Indians. The profits allowed them to pay off their debts to the merchants in London. And the success and prosperity of the Plymouth settlement attracted more Europeans and began what came to be known as the 'Great Puritan Migration.'"

Very few people have heard this story or have had it taught to them -- and the "thanks" was to God for showing them the way. In later parts of the chapter, I quote John Adams and George Washington on their reminisces and their thoughts on the first Thanksgiving and the notion it was thanks to God. It was an entirely different story than is being taught in the schools. It's been muddied down, watered down all these years -- and now it's been hijacked by the multicultural community -- to the point that the story of Thanksgiving is the Pilgrims were a bunch of incompetents and were saved only by the goodness of the Indians, who then were wiped out. And that's what kids are being taught today -- 'cause, of course, you can't mention the Bible in school, and that's fundamental to the real story of Thanksgiving.

"The Real Story of Thanksgiving, as written by Rush Limbaugh "See, I Told You So". Page 70 in the hardcover version
http://www.rushlimbaugh.com/home/daily/site_112608/content/01125111.guest.html

About Short Sales in Maryland, Harford, Baltimore County

2010-06-24T06:05:00.000-07:00

What is considered a Short Sale in Maryland?

A Short Sale in a real estate transaction occurs when the outstanding loan on the property is greater than the proceeds from the sale of the house after all the closing costs, taxes, liens are paid. The home owner must meet all the qualifications of a short sale in Maryland. The Home Owners Lender must also agree to allow a short sale of the mortgage. Did you know your Lender COULD release you fully from your mortgage and forgive you of your deficiency? The HAFA program, if qualified, offers $3,000 back for relocation expenses. Some Lenders are also offering CASH incentives to homeowners to do a short sale instead of a foreclosure.

For More Information, Email me your contact information RobertMcArtor@Gmail.com and I can get the process started for you immediately!

Whether you are in Harford County Maryland, Baltimore County, Cecil County, Anne Arundel County, Baltimore City, We are here to help you avoid foreclosure and become a Bank Owned Property.

What are the Qualifications for Short Sale Help in Maryland?

Are you in financial hardship of any kind? i.e. relocation, divorce, loss of income, loss of job, major repairs to your home without money to make them, increased medical bills and or living expenses.

Behind on your mortgage, facing default or foreclosure?

Can’t get your home SOLD due to your mortgage balance that is greater than the value of your house in Maryland?

You may have other situations…just contact me and lets discuss them.

If you answered YES to any of these questions then a SHORT SALE in MARYLAND may be the answer for YOU!

We will discuss your situation with you, explain your options. Please remember that a short sale is NOT always the best option for every case.

We will provide you with the required forms and documentation from your lender in order for them to process the short sale of your home.

We will answer any of your questions you may have throughout the entire process. The best part is that your Lender pays all our FEES!

We are not investors trying to purchase your home or charge you a fee up-front to negotiate on your behalf. We are here to help you the best way possible and earn an honest commission.

Give us a call or email today and lets get started!

FHA Loan Change - Those who wait will pay thousands more this spring 2010

2010-02-17T19:21:00.000-08:00

URGENT NEWS
Waiting a few extra days or weeks to purchase a home this spring could cost buyers thousands of extra dollars as the office of Housing and Urban Development (HUD) implements several changes for loans guaranteed by the Federal Housing Authority (FHA).

Coming just weeks before the April 30 deadline for the Home Buyer Tax Credit and just days after the March 31 expiration of the Federal Reserve Board's mortgage backed securities purchase program (which has kept home loan rates artificially low for over a year), these FHA changes make it even more important to act now to save big.

Here are a few reasons why:

On April 5th, the cost of required up-front mortgage insurance for loans guaranteed by the FHA will increase from 1.75% to 2.25%. For a borrower purchasing a $200,000 home with a $7,000 down payment, the up-front mortgage insurance will increase by $965. Up-front mortgage insurance is typically financed in the final loan amount so the impact to a monthly payment will be minimal but overall, the increase is still borne by the borrower both upfront and monthly.

Later this spring, the amount of money that a seller can return to the buyer from their sale proceeds will be reduced from 6% to 3%. The reduction in these "seller concessions" can increase the amount of cash a buyer will be required to pay at closing by $6,000 for a home purchase of $200,000.

There is only one way to avoid being affected by all of these costly changes that lie ahead – submit all FHA mortgage applications by the last week of March.

Got Your Swimsuit Ready? The Second WAVE of FORECLOSURES are coming in 2010!

2010-01-02T06:53:00.000-08:00

We have all read the headlines in the newspapers, "We are in recovery!".

With home prices beginning to stabalize and Loan Modifications are being processed, we thought the worst was over.

But is it over?

The latest market study from Jacksonville, Florida's "Lender Processing Services" shows that mortgage delinquencies and foreclosures remain alarmingly elevated. They state that, "The number of loans deteriorating further into delinquent status is now more than twice the number of foreclosure starts, indicating another major wave of troubled loans in an already clogged loan pipeline". They go on to say, "Nearly one-third of foreclosures remain in pre-sale status after 12 months - twice as many as the year prior".

The ugly word that started this mess was Subprime Loans...then Subprime Adjustable-rate Mortgages (ARM's). Most of these mortgages were reset in 2007 and 2008...the tide receded and we thought.."recovery is here...finally". .....or is it?

No one is mentioning the SECOND wave of ARM resets and eventually....foreclosures.

This new WAVE of foreclosures will be difficult for the industry to handle. (Unless of course you are a potential buyer of one of these Bank Owned Homes). This new wave is primarily made up of "Option ARM's". Remember this name. These basically gave the borrowers the option of what they want to pay during repayment.

Many chose the option to make a smaller payment which is below the amount needed to cover the interest on the loan. This in-turn causes the mortgage balance to increase. They can continue to make the minimum payment until the mortgage balance increases to 125% of the original amount. What?...that's right...many loans are already their....125%! This is when the wave will start...we already seeing it happen now....just not in the drive-by media!

According to Whitney Tilson and Glenn Tongue of T2 Partners, about 80% of the Option ARMS's are negatively amortizing. These loans were set to reset in 5 years or 2011 but that reset is occuring now for many homeowner's....why? Because for many of the Option ARM's...they are so negatively amortized that they are hitting the automatic reset cap much earlier than expected....the wave is coming!

Can you imagine in this economy receiving a new mortgage payment 2 or even 3 times the amount you were paying before? As REALTORS we keep saying now is the time to buy!...I receive calls all the time from potential buyers looking for Bank Owned Homes in Maryland and Baltimore. If you are looking for purchase a Bank Owned Property or Home in Maryland and are looking for an experienced real estate agent, Robert McArtor with Long and Foster Real Estate, Inc. is your answer.

Why Choose Maryland HOMES Team? - I have negotiated deals for my buyers that they are very please with. I even purchased a Bank Owned Property for $100,000 under the Principle Mortgage Amount AND negotiated the bank to pay ALL my closing costs. I know how to do it...I know the timing...contact me today!

REAL ESTATE HOUSING OUTLOOK, December 2009 for Maryland Buyers and Sellers

2009-12-29T20:06:00.000-08:00

There is currently 6.0 months of supply available, down dramatically
from the mark of 9.5 months seen at the same time in 2008.
Townhomes have the lowest months supply by far at 3.6 months,
while single-family detached homes and condos have 6.8 months and
6.7 months of supply, respectively.
Sales are up across the board, but the biggest gains in buyer activity
can be found in the lower price ranges.
The challenging conditions that sellers face in the upper price ranges
is evident when looking at how close (or far) they get to their original
asking prices and how long it takes them to sell. Above $1,000,000,
sellers are only getting 89.2 percent of their original prices, and their
homes are taking an average of 175 days to sell. Both numbers are the worst of both price ranges.

We Are BRAC Relocation Specialists
RELOCATING TO ABERDEEN, APG and BRAC RELOCATION SPECIALISTS, REALTORS®, REAL ESTATE AGENTS
Aberdeen is home to the U.S. Army's Aberdeen Proving Ground (APG). The proving ground was established by Act of Congress and came into operation in January 1918. The proving ground occupies more than 72,500 acres in Harford County. More than 7,500 civilians and 5,000 military personnel work at APG. Because of BRAC, Robert McArtor and his Auction and Real Estate Staff have been busy with helping civilians relocate to the Maryland, Harford County, Cecil County, Baltimore Areas. Auctions have become a viable option when purchasing homes in these areas. Maryland HOMES Team with Long and Foster Real Estate, Inc. is proud to be of service to anyone affected by BRAC. If you are looking for a home in these areas, you can become one of our VIP Buyers are start receiving listings TODAY that match your home buying criteria.
Under the Base Realignment and Closure (BRAC) program announced in 2005, Aberdeen will see an influx of people relocating to the area. If you are interested in purchasing your next home through the auction method or simply looking for an Active property on the market. Robert B. McArtor and his team is here to assist you in your relocation needs.
If you are looking for an experienced REALTOR®, Real Estate Agent or Auctioneer serving the Baltimore, Harford County, Baltimore City and Cecil County Area, your search has ended.
Whether you are Relocating to Maryland, Buying a Home, Selling a Home or considering the Auction Method of Marketing your property. Robert McArtor, REALTOR with Long and Foster Real Estate, Inc. and noted Licensed Auctioneer is here to serve you. Have your questions answered immediately by calling me directly

Harford County Maryland Real Estate Market Updates, November 2009

2009-12-29T19:57:00.000-08:00

Harford County Maryland Market Updates
For More Information, Visit www.MarylandHOMESTeam.com
A free research tool from MRIS, Inc.

New Listings - 7.4%
Closed Sales + 4.5%
Pending Sales + 9.2%
Median Sales Price* - 7.1%
Percent of Original List Price Received at Sale*
- 0.8%
Average Days on Market Until Sale
- 1.3%
Single-Family Detached Inventory
- 11.5%
Townhouse-Condo Inventory
- 20.7%

Robert McArtor, Long and Foster Real Estate, Inc.
Buying a Home in Harford County? Click Here!
"$5,000 Additional Savings on Your Home Purchase in Maryland or We Pay You $500"

If you are considering relocating or moving to Harford County Maryland, there is one Real Estate TEAM to choose when you start your search for your dream home. Our extensive knowledge in the Harford County Real Estate Market will benefit you when purchasing your home. We have provided helpful links for you. From this page, you can also start searching for properties that are available. Let us start working for you TODAY! It starts with a simply searching for a home, filling out the email inquiry form and its that simple! One of our Team Members will contact you immediately to begin to work within your schedule to view the homes of your choice in Maryland, Baltimore County, Harford County, Cecil County Relocations

If you are one of the many affected by BRAC and are moving to Aberdeen Proving Ground, MarylandReady.com is a great website with many relocation services. Please Bookmark this page and begin your search for Harford County Homes in Maryland. Serving all communities of Harford County if you are Buying or Selling.

REO Properties vs. Buying Foreclosure Auction Properties, Buyer Protection is the key.

2009-12-05T17:44:00.001-08:00

To start with, My name is Robert B. McArtor and I am a Real Estate Auctioneer in Maryland actively selling foreclosed properties through-out the state. I also have a Traditional Sales Team with Long and Foster Real Estate, Inc. http://www.MarylandHOMESTeam.com/

I have been auctioning properties since 1991 and well on my way to auctioning over $28 Million dollars worth of property in Maryland in 2009 alone. http://www.MDAuctionSales.com/

With that said I have experience in bidding on and buying property at the courthouse steps AND buying REO (Real Estate Owned) or "Bank Owned" properties in Maryland. I have sold my friends REO properties with 100% success and yes…even I purchased a Bank Owned home as my primary residence. I bring with this discussion a lot of experience in both ends of buying and selling bank owned and auction properties. Depending on your perspective and what you are ultimately trying to do with the property, your risks could be very high or very profitable.

AUCTION FORECLOSURE PURCHASE

The auction method of purchasing real estate can be the most profitable yet the most risky venture you can partake in. If you are looking to bid on and purchase a home and use it as your primary residence in Maryland, get yourself armed with all the information you need. Who better to ask than an Auctioneer selling Foreclosed Properties The key to a successful purchase is Due-Diligence. What does that mean? It means Do your homework first! Study the market in the area you are looking to live and know it! You do not want to be caught in a situation of over-bidding on a property.

There are several risk factors you will need to accept. One, The owner may still be living in the home. If this is the case, know that it is your responsibility to obtain possession of the property once you settle on it. This can be done in couple ways. You can offer the owner "Cash-for-Keys"…basically "I'll give you cash once you have removed your personal belongings, kept the appliances in place, didn't strip it of the fixtures and once we walk-through the property, I give you cash…you give me the keys". This can be a win-win for both parties, you get a clean home with minimal damage and the previous owner gets cash for a security deposit on his/her apartment. The amount may vary, I have had 100% success offering cash-for-keys and have paid out as much as $500 to $3,000 to the tenant or previous owner. It's all in how you approach the people. Remember, they are already emotionally spent. Don't make it worse.

Be prepared to give the Auctioneer the required deposit as spelled out in the advertisement. Remember, the ad IS the contract. Read it and understand it. If the deposit is $10,000 – You will need that amount in either cash, cashier's check (made payable to yourself then sign it over) in order to bid on the property. This is typically the only qualification the Trustee and Auctioneer require in Maryland. Do not come with a personal check unless your name is Senator so and so……then they will require double! Just kidding. No personal checks unless authorized by the Trustee prior to sale.
Do not focus on the debt amount owed on the property and assume it's the "starting bid" or "reserve bid" from the bank. Many properties are being offered BELOW the debt amount owed because the bank does not want to take on the added inventory of homes. Depending on location, as-is valuation, condition, etc. the bank may take a 20% to 50% reduction at the courthouse steps. Example, original principle mortgage amount was $100,000 in 2006. The owners made a few payments but fell behind. After penalties and interest, the amount is $109,000. The bank is requiring a $10,000 deposit. In the past, bidders have assumed the deposit is 10% of the banks starting bid or "reserve". This is not true! In many cases the bank will authorized a sale for much less than the amount owed. With this in mind…..bring your deposit and bid! I have sold many homes with only 1 person standing in front of me because bidders were scared of the deposit. Don't be. Experienced Investors know this and NOW you do too.
Ratification period. In most jurisdictions, it is taking approximately 30 to 90 days for the court to ratify or "ok" the sale. The interest rate published in the ad is what you will be paying on your bid amount from the date of sale to the date of settlement. The owner still has a right to file "exceptions" to the sale so don't assume you will only be paying the interest on 45 days or so. I purchased a property that took 8 months to settle! I was able to get 3 months of it reduced however that is only through the power of negotiating (pat on the back).
I have found that the sooner you contact the owner after you become the successful bidder on the property the better. Open that line of communication. Let them know you acquired their property through foreclosure and your intention is for a smooth, hassle-free transition..hence..cash-for-keys, etc. Your final option is an eviction but that costs time and money.
If you are purchasing this home for investment purposes, again, do your homework. Don't venture out on this alone. Find a mentor or someone who has done this before. I can't tell you how many "newbie's" show up at auction excited they are the successful bidders just to find out months later they overbid, did not work out their rehab numbers correctly, did not figure "going in" AND "going out costs", etc. I will not go into the details here but due-diligence is the key. Work closely with a Real Estate Agent who understands the mind-set of an Investor (me) and allow them to advise you on value, rehab, retail value, etc.
Last but not least, know that you will be paying BOTH sides of the closing costs. Remember, what you are signing is a No-Contingent (Not contingent on appraisal, your ability to obtain financing, home inspection), "As-Is" contract. If you do not settle, you could lose your deposit. I have seen it done many times. Concerning the financing, you need to be cash ready or obtain Hard Money for this purchase. You may have the option to refinance out of the loan later at a much better rate. Forget obtaining a conventional mortgage because you will not be able to conduct a walk-through appraisal. Some investors purchase with a HELOC but why use your own money. Your Bank or Mortgage Broker is there to answer your financing questions…know before you bid or it WILL cost you!

REO or BANK OWNED PROPERTIES

I am going to approach this scenario strictly as if you were purchasing a home to be used as your primary residence. Investors also purchase these properties and have done very well with rehabbing and either selling or using as a rental. I just represented a buyer/investor on a 4 bedroom, 2 bath Rancher with a 2 car garage on 1.15 acres for $150,000 in Jarrettsville!! It is being rehabbed now and will be ready for the retail market in March of 2010. My primary residence is a Bank-Owned property in Fallston, Maryland. It was initially purchased for $500,000 in 2005 and was foreclosed on. I purchased a beautiful Brick Colonial with a brand new kitchen – Jenn-Air Double Oven with a Cook-top Stove, In-ground Pool, 3 decks, gazebo, 3.5 baths, 2 car garage, new roof for less than $400,000 and negotiated the bank to pay ALL my closing costs! It can be done but only with an aggressive real estate agent who knows the REO business. I know how the banks think….I know how they operate….. I have bank owned listings.

After becoming financially qualified, Search for Bank Owned properties in the area(s) you want to live. How? Find a local agent that knows the REO market. Tell them you want bank owned listings sent to you immediately when they come on the market. Make appointments to see them. Many of the homes you will preview will need some sort of repairs done. Some more than others. Look past this initially. Think of the bigger picture. Ask yourself, "Is it the area I am looking for? Is it the right style of home? Can I work with these repairs needed? Does it work within my budget?" Just figure that every home needs AT LEAST paint and carpet. If you are thinking of other up-dates then evaluate those costs. Your agent may be able to help you estimate those initial costs.
If you like the home, ask for comparables in the area. You don't want to do the work that is needed and find out your saving $1,000 by buying a bank owned property. Most bank owned homes are listed 20% to 50% of retail based on a 30 day "as-is" sale AND or course….condition. We can help you experience that type of savings and will even guarantee it!
Before you start your search, make sure you are financially qualified. Let your bank or mortgage broker know what you are looking to do. If you only qualify for an FHA, there are certain things an agent must look for to make sure it will pass the appraisal process. I will not get into the details here only to say get an experience real estate agent to represent you to start the process.
What I love most about this type of sale for a buyer is that you ARE protected by the contract. Your agent can help protect you with a financing contingencies, appraisal contingency, mold inspection, radon inspection, home inspection, roof inspection, termite inspection, inspecting the inspector inspection (just kidding). Just know THIS….the more contingencies you put in the contract…the more difficult it will be for the bank to accept your offer over someone else's. Again, an experienced agent will help you negotiate your best deal. I know what the banks are looking for!
It is important that the contract is reviewed carefully. Banks many times will put verbiage in the contract stating they will pay NO closing costs. Then how is it I was able to negotiate the bank to pay ALL my closing costs AND reduce the price of the home by $100,000? Experience. Period. They may also limit the FHA repairs or ANY repairs they will do. Most will not do or allow repairs, just know that before signing the contract and undergo the expenses of hiring a Home Inspector, etc.
I have found that many times the bank will LIST a property for sale for less than what they would have taken at the courthouse steps. One reason is that most times the bank cannot evaluate the interior condition of the home. Prior to foreclosure they will order what is called a BPO or "Broker Price Opinion". This is basically an in-expensive appraisal. Most of the time it is a "drive-by" appraisal evaluating only the exterior condition. The bank will base their value on the condition, area comparables and whether the market is declining, etc. Once the bank acquires the property, the Real Estate Agent assigned to the property will verify occupancy, provide an Interior BPO for the Bank and prepare it for sale. The BPO will paint a picture for the bank as to the condition of the interior of the home. This is where the rubber meets the road. If the interior condition is poor, the bank, along with the agent must access the damage and place a value to that. I have found that many times the bank will list a property for $20,000 to $30,000 less than what you would have had to bid on auction day to purchase it. WOW! Condition, condition, condition.
Hiring a Full Time Real Estate Agent is crucial in a successful Bank Owned or REO purchase. If you have any questions, please do not hesitate to contact me.

Proposed CHANGE in FHA Guidelines for First Time Home Buyers, ACT NOW!

2009-12-03T18:10:00.001-08:00

FHA proposed changes in the future for First Time Home Buyers. If you were thinking of riding the fence for awhile before purchasing your first home in Maryland, you may want to think again. What are the proposed changes?
•• Raising the FHA up front mortgage insurance premium (UFMIP). Currently at 1.75% of the loan amount it can increase to as much as 3% but Congress will have to vote on it. Not too long ago it was 2.25% and we could easily see it return to that level
•• Limiting the amount of seller contributions towards the buyer's closing costs from the current 6% to 3%. Any of you currently closing deals will realize how big this could hurt. The single most difficult obstacle for first time homebuyers is saving for their cash to close, which brings us to...
•• Requiring higher down payment requirements. Although Secretary Donovan states "there are several ways to accomplish this, and so we are currently analyzing various options to determine which is the most effective", it essentially means buyers will need more cash to close.
•• Raising minimum credit score requirements. Currently FHA allows a buyer with the minimum down payment to have a credit score as low as 500. There has not been a reputable lender going that low in quite some time so depending on what score they settle with, this change may not even be felt in the marketplace. The market norm right now is 620.
When could this change take place?
HUD/FHA is expected to begin formally proposing these changes as early as January, 2010. The most time consuming of the changes will likely be increasing the UFMIP since it will require congressional action. It should be noted, however, that by increasing the UFMIP to the maximum allowable levels it would increase the cost of getting an FHA loan by $1,250 per $100,000 borrowed. To sum it up, if you are planning to buy a home in the near future, the faster you move the better off you will be. If you are interested in purchasing your first home in Maryland, Baltimore, Harford or Cecil County, START YOUR SEARCH NOW! We have the most up-to-date Bank Owned Foreclosed Property List in Maryland. Contact our Team Now!

Earn $500 or More with your Referrals for Homewoners Selling or Buying Real Estate in Baltimore, Harford County

2009-11-26T11:08:00.000-08:00

Your Referrals Can Earn You $500 (or more)!

We need your help because your referrals are the lifeblood of our business. Only through YOUR assistance can we keep building the business and consistently provide the level of service that ensures my clients are always completely satisified. We sincerely hope you will tell your friends, family, neighbours and co-workers about our services of Selling and representing buyers looking to buy a home in Maryland. You'll be doing them (and us) a favor because they too will receive the same excellent service that you have experienced with our homeselling team.

TO THANK YOU for your continued support we will send you a Commission Savings Certificate, which reduces our commission by $500.00 on your next move, (one for each referral who becomes a client of our services). IMPORTANT: Even if you have no plans to move and personally are unable to take advantage of this offer, you can pass your Commission Savings Certificate along to a friend or family member or someone who can benefit from the savings.

If you know someone who is thinking of selling or buying a home in Maryland, Baltimore, Harford County and surrounding areas, please visit our website and fill out our on-line form.

Holiday Season Safety Tips

2009-11-24T19:11:00.000-08:00

Holiday Season Safety Tips

If you're traveling
• Get an automatic timer for your lights.
• Ask a neighbor to watch your home, shovel snow, and park in the driveway occasionally.
• Don't forget to stop the mail and newspaper while you are gone.
If you're out for the evening

• Leave some lights on and maybe even a radio or television.
• Be sure to lock all windows and doors.
• Don't display gifts where they can be seen from outside.
If you're shopping
• Stay alert and be aware of what is going on around you.
• Park in a well-lighted place. Lock your car doors and store valuables and packages in the trunk or out of sight.
• Avoid carrying large amounts of cash. Pay by check or with credit cards when possible.
• Carry your purse close to your body and put your wallet in an inside coat or front pants pocket.
• If shopping with children, teach them to go to a store clerk or security guard if you get separated.

NEWS! Home Buyer Tax Credit Extended - Home Buyers in Baltimore, Harford, Cecil County - Top Realtor in Maryland

2009-11-05T17:30:00.000-08:00

I am sure that most of you have been monitoring the status of the "Homebuyer Tax Credit" in Maryland, but if you haven't, this is what we know:

Homebuyer Tax Credit for Maryland Home Buyers has not only been extended, but it has also been expanded to include current homeowners in Baltimore City. The following are features of the new bill:

• Deadline for current credit is November 30, 2009.

• Deadline for new and improved credit is April 30, 2010, as long as the home in Maryland, Baltimore, Harford County and surrounding counties are under contract by that date; deal must close within 60 days.

• Eligibility and amount of new credit: - $8,000 for first-time homebuyers in Maryland (those who have not owned a home in Maryland in the last three years). - Up to $6,500 credit for homeowners who have lived in the home they are selling, or have sold, as a principal residence for five consecutive years in the past eight.

• Buyers in Maryland with income exceeding $125,000 for single and $225,000 for married couples are not eligible.

• Homes in Maryland valued at more than $800,000 are also ineligible.

This is exciting news for first time and current homeowners that are looking to purchase a property in Baltimore, Harford County and Surrounding Counties in Maryland.

You can become a VIP Buyer and Beat Other Buyers to Hot New Listings in Maryland, Baltimore, Harford County, Cecil County Homes. How To Receive Daily Emails or Printouts of ALL New Listings That Match Your Home Buying Criteria Sent to You FREE of Charge Without Obligation

Here's how it works...

We mail/e-mail you new listings (complete with pictures) of ALL MLS properties that match your home buying criteria.

Our exclusive Buyer Profile System allows you to pick which homes in Baltimore City you want to view before other buyers even know about them. As a VIP buyer in Baltimore City:

You get weekly updates of all new home listings that match your criteria FREE of charge. You get first pick of homes that interest you and the ability to beat other buyers to an offer.

Because you're there first, before most other buyers, we are able to negotiate the lowest possible price for you saving you even more money including the possiblity of the Tax Credit. Most importantly your time isn't wasted viewing homes that don't interest you.

It's easy to get started...Just click here

START RECEIVING FORECLOSURE LISTS IN BALTIMORE CITY NOW!

"HI! My Name is Robert McArtor, Not only do I AUCTION Foreclosed properties, I also have the information YOU NEED to buy Foreclosed Properties in Maryland! The Home I LIVE IN was a BANK-OWNED PROPERTY! I purchased it for $100,000 Less than what was owed and YOU CAN BUY ONE TOO!"

"With Robert by my side...I purchased a 4 Bedroom, 2 Bath home on 1.15 Acres for just $140,000! We followed Robert's advice and saved well over $100,000 with our purchase!" Charles P. - Harford County

"Thanks Rob, we never thought we could have done it! 4 Bedroom, 2.5 Bath, 2 car garage in a cul-de-sac and saved over $100,000. With your advice we acted fast...I still can't believe I have my own garage"! M.K. - Harford County

I will email you FORECLOSED PROPERTIES the MOMENT THEY COME ON THE MARKET....FREE! Simply Fill-Out the Form Below and I will start sending you the lists TODAY! There are many fixer-upper homes in Maryland to choose. We have the knowledge and experience you need when deciding on the BEST DEAL!

2009-11-02T17:55:00.000-08:00

HOME SEARCH NOW! Find your home in Maryland, Harford, Baltimore County and City, Realtors and Agents selling Homes

2009-11-02T06:25:00.000-08:00

If you are considering relocating or moving to Maryland, there is one Real Estate TEAM to choose when you start your search for your dream home. Our extensive knowledge in the Maryland Real Estate Market will benefit you when purchasing your home. We have provided helpful links for you. From this page, you can also start searching for properties that are available. Let us start working for you TODAY! It starts with a simply searching for a home, filling out the email inquiry form and its that simple! One of our Team Members will contact you immediately to begin to work within your schedule to view the homes of your choice in Maryland, Baltimore County, Harford County, Cecil County Relocations

Ten Facts about the $8,000 First-Time Homebuyer Tax Credit

2009-09-18T08:25:00.000-07:00

Ten Facts about the First-Time Homebuyer Credit

Many taxpayers who purchase a home in Maryland this year will qualify for an $8,000 federal tax credit. The refundable first-time homebuyer credit is a major tax provision in the American Recovery and Reinvestment Act of 2009. But time is running out to qualify for this credit.

Here are ten things the IRS wants you to know about the first-time homebuyer credit:

1. To be considered a first-time homebuyer, you – and your spouse if you are married – must not have jointly or separately owned another principal residence during the three years prior to the date of purchase.

2. You cannot claim the credit before there is a completed sale and purchase of the residence. The sale and purchase are generally completed at the time of closing on the purchase.

3. To qualify for the credit, the completed purchase must occur before December 1, 2009.

4. The home must be located in the United States.

5. The credit is either 10 percent of the purchase price of the home or $8,000, whichever is less.

6. The amount of the credit begins to phase out for taxpayers whose modified adjusted gross income is more than $75,000 or $150,000 for joint filers.

7. The credit is fully refundable. A homebuyer with no taxable income, who qualifies for the credit, may file for the sole purpose of claiming the credit and receive a refund. The credit will be paid out to eligible taxpayers, even if they owe no tax or the credit is more than the tax owed.

8. The credit is claimed on IRS Form 5405, First-Time Homebuyers Credit.

9. Taxpayers can claim the credit for a qualified 2009 purchase on either their 2008 or 2009 tax return. For those who have filed a 2008 return, a Form 1040X, Amended U.S. Individual Income Tax Return can be filed in order to get a refund in 2009.

10. The credit for qualified 2009 purchases does not have to be repaid, as long as the home remains your main home for 36 months after the purchase date.

Qualified taxpayers who have been considering a main home purchase may find extra incentive from this tax credit to buy now so they can complete the purchase before the December 1 deadline.

For more information on this and other key tax provisions of the Recovery Act visit the official IRS Website at IRS.gov/Recovery.

Links:
First-Time Homebuyer Credit
YouTube Video - First-Time Homebuyer: English Spanish ASL
Audio File for Podcast - First-Time Homebuyer Credit 2009: English Spanish
The American Recovery and Reinvestment Act of 2009: Information Center
Form 5405, First-Time Homebuyer Credit (PDF)
Form 1040X, Amended U.S. Individual Income Tax Return (PDF)

2009-2010 School Bus Route Schedule Harford County Maryland

2009-08-09T17:18:00.000-07:00

2009-10 SCHOOL BUS SCHEDULES AND ROUTES
Since routes are based on estimated fall enrollments, school officials remind parents and students to expect minor adjustments in bus loads and schedules during the first week of school in order to alleviate any overcrowded buses.
Students attending Harford Technical High School, Daytime Alternative Education, Science/Math Academy at Aberdeen High School, and International Baccalaureate at Edgewood High School will be contacted by postcard with their bus information. Science/Math Academy at Aberdeen High School students living in the Aberdeen High attendance area will ride the Aberdeen High School bus that provides service to their neighborhood (Please see Aberdeen High School bus routes). International Baccalaureate at Edgewood High School students living in the Edgewood High attendance area will ride the Edgewood High School bus that provides service to their neighborhood (Please see Edgewood High School bus routes). John Archer School and any elementary pre-school programs will be contacted by their bus driver, as will all other students riding a special needs bus, both in county and out-of-county.
Bus routes are planned so that a maximum number of children are picked up and discharged at the nearest stop to their home. Generally, bus stops are located at least one-fourth mile apart. The bus drivers will inform the children of the designated stops during the first few days of school.
The a.m. time for each bus is the estimated time of the first stop the bus will make on its morning run. This time may vary several minutes during the first few days of school until each driver is able to establish a definitive schedule. Students should plan to be at the bus stop at least five (5) minutes before the scheduled pick up time. Students attending Magnet Programs (Harford Technical High School, Daytime Alternative Education, Science/Math Academy at Aberdeen High School, International Baccalaureate at Edgewood High School) should plan to be at the bus stop at least ten (10) minutes before the scheduled pick up time. Children who plan to use bus transportation are encouraged to ride the bus beginning the first day of school to facilitate the establishment of the time schedule and the bus load.
The p.m. return time to home for each bus may be longer at the beginning of the school year to accommodate students adjusting to new school settings. Once the schedule has been established, there will be a normal drop off time for each student.
The pupil transportation rules will be distributed to each pupil on the first day of school and discussed in class. Parents are urged to review the rules with their children which can be found at the Harford County Public School Website as well as the School Calendar/Handbook.

Baltimore Maryland Trends in Housing Report, 2009

2009-08-07T16:22:00.000-07:00

The Baltimore market showed signs of renewal in the 2nd quarter of 2009. Prices showed slight growth from the previous quarter, and homes spent less time on market than in the 1st quarter. However, the Baltimore market is still weaker than a year ago; Baltimore’s housing market may be in the very early phases of a recovery. Baltimore City showed the most improvement: prices rose 5.4% in the 2nd quarter of 2009 from the previous quarter. However, Baltimore City showed the steepest yearly declines; prices in the 2nd quarter were 20.0%
lower than a year ago. The city’s low average sales price of $160,891 contributes to volatility in percentage changes. In the Northern suburbs, prices rose 3.0% from the previous quarter but were down 8.4% from one year ago. The average sales price in the Northern suburbs for the 2nd quarter is $276,067.
The Southern suburbs posted the region’s only price decline in the 2nd quarter. Prices were down 2.0% from the 1st quarter of 2009; they were down 12.2% from one year ago. The average sales price in the Southern suburbs
in the 2nd quarter is $366,873. As a whole, Baltimore metro prices were up 1.6% from 1st quarter 2009 but down 11.3% from one year earlier. The ratio of inventory to sales declined 4.0 months to 7.9 months at June 2009, indicating that buyer interest is helping work through excess inventory. Annualized, unit
sales volume through the 1st half of 2009 is 88.9% of the 2008 total volume.

Information Provided by: MRIS Trends in Housing Report,
Sources: Associated Press, Boston.com, Bureau of Labor Statistics, Census Bureau, CNNMoney.com, Commerce Department, CoStar, Delta Associates, Department of Housing and Urban Development, Dr. Stephen Fuller and John McClain at GMU’s Center for Regional Analysis, Federal Housing Finance Agency, Federal Reserve, Freddie Mac, Home Builders of Maryland, Mortgage Bankers Association, MRIS, NAHB, NAR, New Geography, The New York Times, Primary Mortgage Market Survey®, RealtyTrac, Reuters, Shopping Center Directory, Treasury Department, USA Today, The Wall Street Journal, Washington Business Journal, The Washington Post, WBAL-TV.

SELLING YOUR TOWNHOUSE in HARFORD COUNTY, Sales History in 2009

2009-04-02T15:40:00.000-07:00

Townhomes or otherwise call Townhouses in Harford County have had a recent surge of strong sales. The reason is that they appeal mostly to the first time home buyer. With the recent $8,000 tax credit in place, this has become a significant difference in deciding whether its the right time to buy a home. Search for ALL Townhomes in Harford County from ALL Real Estate Brokers.

As of today, there are currently 388 Towhouses for sale in the Harford County Maryland area. The lowest priced townhome is $50,000, the highest listed at $686,000 with the average listing price of $239,039. The average days on the market is 113. Buyers looking to purchase a townhome will find it very easy when submitting your information through our VIP Buyer Program. If you are looking for a Real Estate Agent to show you one of these townhouses, we are one phone call away.

Within the past 60 days 87 Townhomes have SOLD in the Harford County Area. The lowest price was $49,900 with the highest price at $599,995. The average sales price for a townhouse was $212,550 with an average seller subsidy of $4,216.00. The average days on the market was 82. This information is crucial if you are looking to Sell your Townhome in Harford County Maryland. Regardless if you have your property in Bel Air, Forest Hill, Churchville or Edgewood, our team of agents are here to service you.

Some of the areas you can start looking for townhouses are Monmouth Meadows, Greenbrier Hills, Amyclae Estates, Rosefields, Irwins Choice, Greenway Farm, Box Hill South and others.

WELCOME MILITARY FAMILIES to ABERDEEN PROVING GROUND, RELOCATING

2008-12-08T16:14:00.000-08:00

Welcome Military Families to Aberdeen Proving Ground in Maryland

Installation Info: Zip Code: 21005
Area Code: 410
DSN: 298
The Army's oldest active proving ground, the post was established in Maryland in 1917 after the onset of World War I to provide a military facility where ordnance materiel could be designed, tested and carried out in proximity to main U.S. industrial and shipping centers. Aberdeen Proving Ground's 72,500 acres consist of two main areas separated by the Bush River. It is a key posting as a center for testing, lab research and military training.
Many recreational opportunities are available, both indoor and outdoor, including organized sports.

The typical tour for military personnel at an installation is 3-4 years. This means a approximately one third of the active duty personnel will relocate and rotate annually to and from military installations. We do not want to miss the opportunity to help serve you when searching for your next home in and around Aberdeen, Maryland. However as you know BRAC is moving personnel to Maryland at this time and has to complete all moves by the year 2011.

Robert McArtor and the Maryland HOMES Team with Long and Foster Real Estate, Inc. is here to serve ALL your relocation needs. Visit our website NOW to start your search ALL available homes in the Maryland, Harford County, Cecil County area. or Call 1-877-421-SOLD

The Long and Foster Companies appoints Stevens President, News Release Maryland

2008-10-23T18:54:00.000-07:00

THE LONG & FOSTER® COMPANIES
APPOINTS STEVENS PRESIDENT

Chantilly, VA (October 23, 2008 )-- P. Wesley Foster, Jr., Founder, Chairman, and CEO of The Long & Foster® Companies, today announced the appointment of David H. Stevens, 51, as President and Chief Operating Officer of The Long & Foster Companies, comprised of Long & Foster Real Estate, Inc., the largest and most-respected privately-owned real estate company in America, Prosperity Mortgage Company, Long & Foster Insurance Agency, Inc., and Long & Foster Settlement Services. Stevens had been President of Long & Foster’s Affiliated Businesses--mortgage, title, and insurance--since joining the firm in July of 2006.

According to Foster, “The appointment of Dave Stevens to be President of The Long & Foster Companies is designed to ensure the continued viability of our well-managed and financially stable company during these difficult economic times. Dave has the financial background and strategic thinking necessary to lead Long & Foster forward into the new reality imposed upon our industry by the nationwide liquidity and credit crisis. He will be a strong leader who will guide the company towards solutions and work for the best interests of our customers, our agents, and our employees,” Foster added.

Long & Foster Appoints Stevens President

Prior to joining The Long & Foster Companies, Stevens was Executive Vice President and National Wholesale Manager responsible for all sales, operations, and finance at Wells Fargo Home Mortgage. Prior to that, he was Senior Vice President of the single family business at Freddie Mac where he was responsible for all sales and marketing, affordable lending, product development, loan prospector, and communications for the firm. At Freddie Mac, he managed all activities related to sales, market share, customer management, and business strategy. Stevens began his career at World Savings Bank where, after 16 years of increasing responsibility, he was promoted to Group Senior Vice President and National Sales Manager for its mortgage division.

Stevens was the founding executive sponsor of the Women’s Mortgage Industry Network, and he coordinated the first Latino joint venture initiative between Freddie Mac and Latino mortgage industry leaders. He is on the Board of Directors of RESPRO.

Stevens is a graduate of the University of Colorado at Boulder. He resides in Oakton, Virginia, with his wife, Mary, and four children.

Brenda Shipplett, President of The Long & Foster Companies since 2004, has chosen to return to regional management of Long & Foster Real Estate, Inc.

About The Long & Foster® Companies
The Long & Foster® Companies is the largest privately-owned real estate firm in America with more than 230 residential real estate sales offices throughout Maryland, Virginia, the District of Columbia, Delaware, Pennsylvania, West Virginia, New Jersey, and North Carolina, and more than 14,000 sales associates, 2,000 employees, and annual real estate sales volume for 2007 of $35.4 billion on 95,871 transaction sides. Long & Foster Real Estate, Inc., the real estate sales arm for the firm, as well as Prosperity Mortgage® Company, Long & Foster Insurance agency, Inc., and Long & Foster Settlement Services, are all part of The Long & Foster Companies. 2007 sales and sales equivalents for all the Long & Foster Companies totaled $61 billion worth of homes, mortgages, insurance, title insurance, and settlement services.

For all your real estate and Auction needs in Maryland, contact Robert B. McArtor with Advantage Real Estate Auction Sales, LLC.

NEW Financing Programs for Home Buyers in Maryland

2008-10-16T04:26:00.000-07:00

American Dream Downpayment Initiative (ADDI) FUNDS AREA NOW AVAILABLE EVEN IN THIS SLOW MARKET! GET STARTED NOW!
The American Dream Downpayment Initiative is a first time home buyer assistance program that encourages home ownership for lower income and minority households in Maryland. If you are a first time home buyer in Baltimore, Harford County or anywhere in Maryland and you are struggling to come up with a downpayment, enough money for closing costs or money to make improvements to your house, the ADDI program maybe a solution.

What are the benefits?
$10,000 downpayment and closing assistance structured as a 5-year loan , forgivable 20 percent per year.

What are the restrictions?
Buyer must contribute at least $1,000 towards purchase of your home in Maryland and must use the property as their primary residence. The buyer must secure an HQS (Housing Quality Standard) Home Inspection on the property. The home must be free of any flaking, peeling, or chipping paint surfaces. Closing on the property must occur within 90 days of the contract date. Loan is forgivable over 5 years.

America Dream Downpayment Initiative 2008 Income Limits:
1 persons $43,0502
2 persons $49,2003
3 persons $55,3504
4 persons $61,5005
5 persons $66,4006
6 persons $71,3507
7 persons $76,2508
8 persons $81,200

CDA Loan Program (Community Development Administration)The CDA loan program has a large variety of loan products that offer first time home buyers below market mortgage interest rates and flexible home loans. The CDA current has six low-interest rate mortgage programs:
Interest Rate Points APR
6.375% 3-point Mortgage 6.771%
6.500% 2-point Mortgage 6.797%
6.625% 1-point Mortgage 6.824%
6.750% 0-point Mortgage 6.851%
7.250% 2% Closing Grant (0 points) 7.155%
7.500% 3% Closing Grant (0 point) 7.305%

The rates are frequently reviewed and subject to change. CLICK HERE and start your loan application now or simply call Robert B. McArtor today! 410-879-0622
equal housing opportunity.

NEW RURAL MORTGAGE LOAN PROGRAM for HARFORD, BALTIMORE COUNTY

2008-09-06T08:38:00.000-07:00

The United States Department of Agriculture has introduced a new Mortgage Loan Program for Baltimore County, Harford County and Cecil County Homes called the Guaranteed Rural Housing or GRH program. It offers 100% Financing with NO Mortgage Insurance and allows a 6% Seller Contribution! Income and Property location limits apply. CLICK HERE and provide your contact information and property address you are interested in purchasing. We will help you determine if the property is eligible for this financing option. SPECIAL...SPECIAL.....if you buy your home through our preferred mortgage lender, you will receive a $500 Broker Credit! AND a HOME WARRANTY from our TEAM as a thank you for your business. Robert B. McArtor, REALTOR with Long and Foster Real Estate, Inc. serves the Baltimore, Harford County, Cecil County and Surrounding Areas! Call Now at 410-879-0622 or simply visit Maryland HOMES Team website.

BUY YOUR FIRST HOME IN MARYLAND and SAVE $7,500 on YOUR INCOME TAXES

2008-09-04T05:21:00.000-07:00

The Government is Helping Americans Buy Their First Home.

What an incredible opportunity for first-time homebuyers in Maryland, Harford, Baltimore Cecil County and surrounding areas!

In addition to a huge selection of homes in Maryland to choose from, and near-record low interest rates on solid, 30 year fixed rate mortgages, and far more affordable prices, first-time homebuyers in Baltimore now have the added incentive of a $7,500 federal income tax credit to help them buy their first home!*

Stop Paying Rent! Become a Homeowner instead...>>>

One simple phone call to Robert B. McArtor with Maryland HOMES Team and we will get you on the road to homeownership. Meet with our friendly, knowledgeable Long and Foster real estate staff member. While you're at it, meet with a Prosperity Mortgage loan officer and get pre-qualified for a mortgage.

Search for HOMES ANYWHERE IN MARYLAND ON-LINE Now...>>>

*Legislation has just been passed by Congress and signed by the President, granting first-time homebuyers a tax credit of up to $7,500 on their federal income tax return if they purchase a home between April 9, 2008 and July 1, 2009

TOP MARYLAND AUCTIONEERS and AUCTIONS in BALTIMORE

2008-08-30T17:45:00.000-07:00

If you are interested in either listing your home for a Public Auction in Maryland or purchasing residential real estate in Baltimore Maryland. You will find many types of homes for auction in Baltimore Maryland such as Single Family Homes, Condos, Town Homes, Townhouses and building lots, There are many local community events that may be of interest to you and your family. Many of the local events are unique to the Maryland area. Everyone enjoys the outdoor activities Baltimore has to offer as well as the family friendly atmosphere.If you are considering buying or selling or auctioning a home in Maryland, we are the Real Estate Auction Team of Choice. Whether planning to relocate to the area or looking for Auction properties for sale. We will help you look for information about real estate in the surrounding areas. Our complete Auction real estate website is full of resources for everything you need. Access to property listings with photographs and virtual tours can be found on our site by Clicking Here. Our informative website offers a rich library of real estate articles to help guide you through the home buying or selling process. It is so important to find a Realtor, Broker or Real Estate Agent that you can trust. Your search ends here! We are Consultants, Real Estate Agents and Real Estate Auctioneers here to serve your real estate needs. Let us provide you with the information you need. Please do not hesitate to contact Robert B. McArtor, Long and Foster Real Estate, Inc. and Managing Member of Advantage Real Estate Auction Sales, LLC. at 443-392-4833

FREE Quick Over-The-Net Home Evaluation for Homes in Baltimore Maryland, Harford County, Baltimore County and Cecil County Knowing what your home is worth is important information to have if you are thinking of auctioning or traditionally selling your home. Using the information you submit to us, we will conduct a thorough comparative market analysis by searching the database of all homes listed or sold in your area. Even if you are looking for auctions in Maryland. We will be able to determine what your home might sell for if you decided to put it on the market. There is no cost or obligation for this valuable service.

You can become a VIP Buyer and Beat Other Buyers to Hot New Listings in Maryland, Baltimore, Harford County, Cecil County Homes. How To Receive Daily Emails or Printouts of ALL New Listings That Match Your Home Buying Criteria Sent to You FREE of Charge Without Obligation. We will mail/e-mail you new listings (complete with pictures) of ALL MLS properties that match your home buying criteria. Our exclusive Buyer Profile System allows you to pick which homes in Maryland you want to view before other buyers even know about them. As a VIP buyer: You get weekly updates of all new home listings that match your criteria FREE of charge. You get first pick of homes that interest you and the ability to beat other buyers to an offer. Because you're there first, before most other buyers, we are able to negotiate the lowest possible price for you. Most importantly your time isn't wasted viewing homes that don't interest you.

Get a Back Stage Pass and Become a VIP Member! Login and Access the Most Useful Information on Buying or Selling a Home in Maryland, Harford County, Baltimore County, City and Cecil County. Right now, you can take your first-step in educating yourself on Home Buying, Selling and Auctioning. Start exploring the real estate landscape and instantly access our exclusive, rich-media library of special reports and resources. You can also personalize our VIP site according to your needs and wants. Just enter your profile information once you are logged in and instantly access the real estate information that matches your profile.

We are confidant that our VIP site will empower you with the knowledge to make the most educated and profitable home buying and selling decisions using Long and Foster Real Estate, Inc. Equal Housing Opportunity.

AVOIDING FORECLOSURE in MARYLAND, 10 Steps to Take

2008-08-29T19:55:00.000-07:00

If you are unable to make your mortgage payment in Maryland:

1. Don't ignore the problem. The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house.

2. Contact your lender as soon as you realize that you have a problem. Lenders do not want your house. They have options to help borrowers through difficult financial times.

3. Open and respond to all mail from your lender. The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notice of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court.

4. Know your mortgage rights. Find your loan documents and read them so you know what your lender may do if you can't make your payments. Learn about the foreclosure laws and timeframes in your state (as every state is different) by contacting the State Government Housing Office.

5. Understand foreclosure prevention options. Valuable information about foreclosure prevention options can be found on the internet portal.hud.gov/portal/page?_pageid=33,717348&_dad=portal&_schema=PORTAL

6. Contact a HUD-approved housing counselor. The U.S. Department of Housing and Urban Development (HUD) funds free or very low cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need this assistance. Find a HUD-approved housing counselor near you or call (800) 569-4287 or TTY (800) 877-8339.

7. Prioritize your spending. After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payment. Look for optional expenses-cable TV, memberships, entertainment-that you can eliminate. Delay payments on credit cards and other "unsecured" debt until you have paid your mortgage.

8. Use your assets. Do you have assets-a second car, jewelry, a whole life insurance policy-that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don't significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home.

9. Avoid foreclosure prevention companies. You don't need to pay fees for foreclosure prevention help-use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three month's mortgage payment) for information and services your lender or a HUD approved housing counselor will provide free if you contact them.

10. Don't lose your house to foreclosure recovery scams! If any firm claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms and getting professional advice from an attorney, a trusted real estate professional, or a HUD approved housing counselor. If you are thinking of selling your home as-is, call Robert McArtor to obtain FREE Comparables in your area so you know the prices. Some will try to put your house under contract just to try and sell it themselves and keep all the equity! If the property does not sell, you become further behind, losing time and they just walk away.

I have been asked over the past years, "Robert, we are a few months away from being foreclosed on, do you know what we should do?" Without knowing their situation, it is hard to answer without crossing the line of giving legal advice. For your further research into the subject, I would recommend the following links as a guidance through this difficult process.

Don't lose your home! Here are some guidance on default and foreclosure prevention. If your adjustable rate or interest only mortgage is about to reset, these programs may help you refinance into an affordable fixed rate mortgage. If you are looking for a trusted REALTOR or Auctioneer for a FREE consultation. Please do not hesitate to contact me. I may be able to point you in the right direction for your specific problem. Robert B. McArtor, is a REALTOR and Licensed Real Estate Auctioneer with Long and Foster Real Estate, Inc. and Advantage Real Estate Auction Sales, LLC. for more information, call 443-392-4833

>>>FHA Secure

>>>Maryland's HOPE Initiative

Housing Counseling Agencies - Counseling on buying, renting, defaults, foreclosures, credit issues and reverse mortgages.

Legal Assistance in Maryland - Find free legal services in your community.

Baltimore Gas and Electric Customers to Receive a $170 Credit

2008-08-28T11:07:00.000-07:00

Baltimore Gas and Electric Residential Electric Customers
To Receive $170 Bill Credit This SummerCredit is part of a comprehensive settlement reached with the State of Maryland and Maryland Public Service Commission and Approved by the General Assembly. Information is Provided as a Service from Robert McArtor, REALTOR in Baltimore and Auctioneer with Long and Foster Real Estate, Inc. and Advantage Real Estate Auction Sales, LLC.
BALTIMORE, May 29, 2008 – Baltimore Gas and Electric Company (BGE), a subsidiary of
Constellation Energy (NYSE: CEG), today announced that residential electric distribution customers with active accounts on Aug. 29, 2008 will receive a one-time credit of $170 on their Sept. 2008 bill, the result of a comprehensive settlement reached on March 27, 2008 with BGE, Constellation Energy, Gov. Martin O’Malley, the State of Maryland and the Maryland Public Service Commission (PSC). The agreement was approved during the 2008 Maryland General Assembly and signed by Gov. Martin O’Malley. “During the past several months, BGE has worked aggressively to develop a process for applying the bill credits to more than one million residential electric customer accounts in an equitable and efficient fashion,” said Kenneth W. DeFontes, president of BGE. “The credits, which total at least $187 million, are required under the settlement agreement and are but one part of a more comprehensive package, which has
a total estimated value of $2 billion for our customers. “For more than 50 percent of BGE’s residential electric customers, the credit is expected to result in a greater than 10 percent reduction in electricity bills this year,” said DeFontes. “Importantly, during the period from now until Aug. 29th, BGE will make a special allowance for its certified low-income customers to ensure that service is not interrupted due solely to the fact that the bill credit has not yet been
issued.” In addition to the bill credits, the settlement affects BGE customers in the following ways:
• Residential and business electric customers will be relieved of liability for the decommissioning of the Calvert Cliffs Nuclear Power Plant, which has a value of about $1.5 billion, according to the Maryland PSC. Media Line: 410 470-7433 http://www.constellation.com/ Constellation Generation Group Constellation Energy Source Constellation Energy Commodities Group BGE HOME
Baltimore Gas and Electric Company Fellon-McCord & Associates Constellation NewEnergy
• Residential electric customers will receive about 90 percent of the cumulative $386 million in
bill credits that were ordered by the Maryland Legislature in 2006 and subject to litigation.
• All customers will benefit from limitations on electric distribution rate case filings. BGE will
not file an electric distribution rate case in 2008. Any electric distribution rate increase filed in
2009 will not be effective prior to Oct. 2009 and will be capped at no more than five percent
(equal to about 1.5 percent of the total electric bill). BGE will not file a subsequent electric
distribution rate case before August 2010.
• The settlement will not impact rate changes relating to the cost of electric supply or Standard
Offer Service (SOS), except that BGE will recover the return component of the SOS
administrative fee for a two-year period beginning in June 2008. Presently, SOS rates reflect
the lowest prices paid by BGE for wholesale power, which is obtained through competitive
bids, and BGE does not earn a return on SOS to residential customers. Effective June 1, 2008
through May 31, 2010, residential SOS rates will include a return of 15/100 of a cent per
kilowatt-hour, after which the charge will be eliminated from June 1, 2010 through December
31, 2016 as a result of the settlement.

Additional information about the settlement can be found at www.bge.com.
BGE (www.bge.com) headquartered in Baltimore, is Maryland’s largest gas and electric utility,
delivering power to more than 1.2 million electric customers and more than 640,000 natural gas customers in Central Maryland. The company’s approximately 3,000 employees are committed to the safe and reliable delivery of gas and electricity, as well as enhanced energy management, conservation, environmental stewardship and community assistance. BGE is a wholly-owned subsidiary of Constellation Energy (www.constellation.com) a FORTUNE 125 company also headquartered in Baltimore with subsidiaries that generate, sell and deliver energy and provide other energy-related services to customers throughout North America.

Butchers Hill, Baltimore Maryland Real Estate Agents,Realtors and Auctioneers

2008-08-17T19:19:00.000-07:00

Butchers Hill is a neighborhood in Southeast Baltimore, Maryland, with the zip code of 21231. It is north of Fells Point, east of Washington Hill, and northwest of Patterson Park. Real Estate Sales of Homes and Commercial Property has witnessed an increase over the past several years. Real Estate Auctions in the area have been a source for investors for continued revitalization. This area has recently seen a lot of renovations and urban development and is improving quite a bit.

Butchers Hill was once home to butchers and poultry preparers, many who were German American and Jewish American. It was a village prior to the Civil War. Although today it is considered to be less affluent than Fells Point, it was once the more prosperous community of the two. This is reflected in the larger size Homes in Baltimore and row houses. Butchers Hill is in proximity to more gentrified sections of Fells Point Maryland, the draw of Patterson Park in Baltimore, and the employment center around Johns Hopkins Hospital. Many artists reside in the neighborhood. A portion of it is a historic district listed on the National Register of Historic Places. If you are looking to sell your home in Butchers Hill or looking to Buy a Home in Butchers Hill, Robert B. McArtor, a Noted Licensed Auctioneer and REALTOR with Long and Foster Real Estate, Inc. is here to help. Please visit his website at Maryland HOMES Team and begin your home search today.

Baltimore real estate agents in Maryland, Find and Search for Baltimore homes for sale, and Baltimore home values in Butchers Hill and City. Get access to Baltimore real estate listings on our website, including the MLS and Homes Database, We are Baltimore REALTORS. Find new homes and foreclosures, investment properties with Maryland HOMES Team and Long and Foster Real Estate, Inc. Our real estate services feature all Baltimore and Maryland cities and suburbs. We can help you Find Baltimore school district information, including elementary, middle and high schools. We also have information on Baltimore home selling, home buying and mortgages, movers and other realty services for anyone looking to sell a home or buy a home in Butchers Hill. Become a VIP Buyer and start receiving HOT NEW LISTINGS that match your home buying criteria. Start searching for Homes in Baltimore City today! Or Simply Call 1-877-421-SOLD

Long and Foster AUCTIONS, TOP Auctioneers in Maryland

2008-08-09T21:20:00.000-07:00

BENEFITS TO THE SELLER WHEN AUCTIONING THROUGH LONG AND FOSTER REAL ESTATE, INC. :

-Buyers come prepared to buy a Home in Maryland, Baltimore County, Harford County and Surrounding areas.

-Quick disposal reduces long-term carrying costs, including taxes & maintenance

-Assurance that the property will be sold at true market value

-Exposes the property to a large number of pre-qualified prospects

-Accelerates the sale

-Creates competition among buyers - auction price can exceed the price of a negotiated sale

-Requires potential buyers to pre-qualify for financing

-The seller knows exactly when the property will sell

-Eliminates numerous and unscheduled showings

-Takes the seller out of the negotiation process

-Ensures an aggressive marketing program provided by Robert B. McArtor that increases interest and visibility

BENEFITS TO THE BUYER:

-Smart investments are made as properties are usually purchased at fair market value through competitive bidding

-The buyer knows the seller is committed to sell

-In multi-property auctions the buyer sees many offerings in the same place at the same time

-Buyers determine the purchase price

-Auctions eliminate long negotiation periods

-Auctions reduce time to purchase property

-Purchasing and closing dates are known

-Buyers know they are competing fairly and on the same terms as all other buyers

-Buyers receive comprehensive information on property via information packet

BENEFITS TO THE REALTOR®:

-Generates a list of ready, qualified buyers

-Offers clients and customers new selling and purchasing options

-Increases revenue and market share

-Develops your own market niche

-Assurance that property will be sold at true market value

-Property is sold within a relatively short period of time

-Exposes the property to many potential purchasers

-Auctions bring people in to look at all your listings, not just the auction listing

-Successful auctions result in referrals and return business

-Agents can earn commissions as referring agent/broker, cooperating agent/broker, or as the listing agent/broker You can choose now to market, sell and close in a 30 - 45 day time frame, freeing up your cash

When Selling Real Estate in Maryland, Robert B. McArtor, Licensed Real Estate Auctioneer and Long and Foster Real Estate Agent can assist you in the liquidation of your un-wanted property. Call him now Toll FREE 1-877-421-SOLD. Get the Advantage in the marketplace your property deserves!

Sellers Need Patience and Exposure or their Homes in Maryland

2008-07-20T18:53:00.000-07:00

Real Estate Foreclosures and Selling Your Home in the NEW YEAR!

What will 2008 hold for the Foreclosure Market.

As the new year approaches, I am constantly thinking of what 2008 holds for many homeowners trying to sell their property. I am constantly taking phone calls from nervous sellers that think the Auction Method may be the ONLY viable way to sell their home. The reality is, after looking closely at the numbers, very few would even qualify for a successful "Traditional" Auction Sale. The auction method can meet several needs for the seller however is not meant for every property.

So...what is the alternative? If your property is listed with an aggressive Real Estate Agent...it's "Patience and Exposure". I tell sellers to be patient in this market. Your "Days on Market" have increased. Be aggressive with your price to reflect your market and condition. Price it according to condtion! I can't stress that enough. The next is "Exposure". Where is your property being advertised? Do you have a Visual Tour with statistics? (not just a glorified slide show). Can you find it easily on the internet knowing 4 out of 5 buyers start their home search on the internet? Many will eventually find a home starting with the internet. There is a lot of inventory for buyers to choose from. Get your property out there for the world to see! On a side note, buyers are looking for the best deals and certainly don't want to make a huge purchase in a downward market. Make your property attractive with incentives, i.e. closing cost assistance, etc.

Since October 2006, housing prices have taken an average 6% reduction. This is difficult for many sellers to swallow. In the world of Real Estate this is coined as tragic for home owners. In any other market however (Retail, Stock Market), it simply becomes a "Buying Opportunity". In my market covering Maryland, Baltimore, Harford and Cecil County, I believe Buyers will be and ARE coming out of the woodwork! I have instructed my team to be patient with the "tire kickers". They WILL be buyers soon.

What does 2008 hold for the Real Estate Market?

The short answer is it may be a difficult year for sellers who have not planned early enough to market their homes. Too many homeowners have taken on mortgages that are not realistic for them to re-pay. The last minute decisions to sell a home hoping for the magical contract to come in before being foreclosured on is not realistic. In most cases this will not happen. I am noticing Deed of Trusts that are less than 2 years old heading for foreclosure. Most are not "Sub-Prime" loans or so-called "shady" adjustable rate mortgages.

Out of the 7 auctions I conducted today, December 28, 2007, only 1 was an adjustable rate mortgage. Not all Foreclosed Property owners were "victims" of the sub-prime market! Most simply victimized themselves by chasing the Dream of owning a home they could not afford. The great thing I love about being a human on this earth is....we are allowed to make mistakes. Some costs are greater than others.

In early January 2008, there are 190+ Foreclosure Auctions I am scheduled to conduct over a 3 day period. This will cover only 4 counties in Maryland. Lenders will be over-run with properties which means a buying opportunity for investors and others. The difficult times for a few are still ahead. If you find yourself falling behind on payments, PLAN AHEAD! Talk to your Lender. If things cannot be worked out and you have enough time. Talk to your REALTOR® or local Real Estate Auctioneer. If you live in Maryland. There is only one phone call you need to make. We are here to help.

Have a Great New Year!

Robert B. McArtor, REALTOR and Noted Real Estate Auctioneer

Long and Foster Real Estate, Inc.

1-877-421-SOLD

http://www.MarylandsHomeTeam.com/

http://www.harfordadvantage.com/

REALTORS and Real Estate Agents, Brokers are taking a Second Look at the Auction Method

2008-07-20T18:49:00.001-07:00

REALTORS® are taking a second look at the Auction Method

Robert B. McArtor, REALTOR® with Long and Foster Real Estate, Inc. and Noted Real Estate Auctioneer in Maryland has been working with and educating Real Estate Agents on the Auction Method of Marketing since 1991. "It was tough in the beginning", Robert explains the early days, "Why would an agent want to turn a client over to an Auctioneer? Don't they just sell antiques, cars and furniture?".

According to the National Auctioneers Association, Residential real estate auctions continue to be one of the fastest growing segments of the live auction industry with an estimated growth of 3.1% since the end of the second quarter. Total real estate revenues for 2006 include: Residential Real Estate ($16.0 billion), Commercial/Industrial ($15.0 billion), and Land/Agricultural ($25.3 billion).

Now with a changing market, Auctions have become a popular method among aggressive sellers to sell their property. "This is certainly a win-win situation for everyone involved......Sellers need to sell their house, Agents want a commission, the Auctioneer utilizes the Auction Method to market the property and the entire process ends at the settlement table in less than 60 days."

Robert McArtor has been Auctioning Real Estate since he was 21 years old. Now, at the age of 38, he is celebrating 17 years in the business and recently realized over $25 Million in sales in 2007 alone. "Between foreclosure auctions, home owner ordered sales, this has been a very busy year.........we are expecting to see a tremendous rise in auctions through-out the Baltimore-Metro area." Mr. McArtor says that more and more Sellers are frustrated with the lack of Buyers in the market place and are looking for a quick sale. With the Auction Method, the Seller can sell their home in "As-Is" condition with a non-contingent contract, eliminate high carrying costs and settle in as little as 30 days. "I love explaining the Auction Method to Realtors®. Once they have the knowledge, it's simply a matter of suggesting an Auction to a qualified client". Robert goes on to say, "The fact that I am also a REALTOR® and subscribe to a Strict Code of Ethics makes the Real Estate Practitioner and Client feel comfortable.....this is just an additional marketing tool the agent can use and get PAID to use it!"

Robert B. McArtor can be reached through his website, http://www.mdauctionsales.com/ or Directly at 1-443-392-4833

HARFORD COUNTY SHERIFF's OFFICE TO AUCTION UNCLAIMED PROPERTY in FOREST HILL, 21050

2008-07-12T20:28:00.000-07:00

THIS AUCTION HAS BEEN CANCELED FOR AN UNKNOWN REASON

Harford County Sheriff's Office is planning to sell a large collection of unclaimed property in Forest Hill Maryland, 21050.

Some of the items will include Diamond Rings of various sizes, a selection of flatware, silver coins of various years and many collectibles. Other items include scooters, tools, electronics, laptop computers and much more.

The Public Auction is scheduled for July 26th. at 10 A.M. at the Forest Hill Industrial Park in Forest Hill, Maryland. The property will be sold by Jay Edwards.

STOP PAYING RENT and OWN YOUR OWN HOME FOR PENNIES DOWN

2008-07-12T06:42:00.000-07:00

If you're like most Renters in Maryland you feel trapped within the walls of a house or apartment that doesn't feel like yours. How could it when you're not even permitted to bang in a nail or two without a hassle. You feel like you're stuck in the renter's rut with no way of rising up out of it and owning your own home.
Well don't feel trapped any more! A new FREE Special Report entitled "How To Stop Paying Rent and Own Your Own Home" has already helped dozens of local renters in Maryland, Harford County, Baltimore County and City get out from under their landlords finger, and move into a wonderful home in Maryland they can truly call their own. You can make this move too by discovering the important steps detailed in this Free Special Report.
It doesn't matter how long you've been renting, or how insurmountable your financial situation may seem. With the help of this report, it will become suddenly clear to you how you really can save for the down payment and stop wasting thousands of dollars on rent. Simply click on the link above for more information.

Robert B. McArtor, Noted Local REALTOR and Licensed Auctioneer in Maryland with Long and Foster Real Estate, Inc. and Managing Member of Advantage Real Estate Auction Sales, LLC. serving the local real estate market in Maryland.

6 MISTAKES to AVOID WHEN MOVING OR RELOCATING TO A LARGER HOME IN MARYLAND

2008-07-12T06:23:00.000-07:00

A new reports has just been released which identifies the 6 most common and costly mistakes that homebuyers make when moving or relocating to a larger home. Whether you are looking to relocate to Baltimore County, relocate to Harford County or relocating to the surrounding areas. This information will be helpful to you.

Unlike the experience of buying a first home, when you're looking to move-up, and already own a home in Maryland, there are certain factors that can complicate the situation. It's very important for you to understand these issues before you list your home for sale.

Not only is there the issue of financing to consider, but you also have to sell your present home at exactly the right time in order to avoid either the financial burden on owning two homes or, just as bad, the dilemma of having no place to live during the gap between closings.

In answer to this issue, industry insiders have prepared a free special report entitled "6 Inside strategies to Avoid Trade-Up Mistakes."

These six strategies will help you put your home on the market in anticipation of moving to a larger home. Click on the link above for this special report or you can simply contact Robert B. McArtor at 410-879-0622 for additional information. Robert McArtor is a Noted Local REALTOR and Licensed Real Estate Auctioneer with Long and Foster Real Estate, Inc. and the Managing Member of Advantage Real Estate Auction Sales, LLC.

REAL ESTATE AUCTIONS, FIRE SALES for DISTRESSED PROPERTIES?

2008-07-12T06:05:00.000-07:00

Auctions Are Often Thought of as "Fire Sales" For Properties in Distress. Is this True?

Until recently, real estate auctions in Maryland, unlike art and antique auctions, have experienced unfounded negative images in the marketplace. The majority of real estate auctions today don't result from foreclosure of distress situations, but rather are the result of a seller choosing a cost-effective, accelerate method to sell a property. Builders or financial institutions, for example, prefer auction rather than laboring for months or years to sell units of a development one by one. For years, Auctioneers in Maryland like Alex Cooper, Advantage Real Estate Auction Sales, LLC., A.J. Billig, Express Auctions have worked with Sellers of Real Property through-out Maryland. Auction allows the seller to eliminate virtually all long-term carrying costs, passing the savings directly to the purchaser in the form of a reduced price. Auction is truly a win-win situation: sellers obtain immediate cash and buyers purchase properties at fair market value, the price determined by open, competitive bidding. Maryland residents enjoy the advantages of the Auction Method.

What Factors Impact the Success of an Auction?

The seller must have realistic expectations, including a fair sales price, terms and timing.
The desirability of the property. This includes location, conditions, plus the value of surrounding properties.
Since a variety of auction methods are available, carefully choose the auction type that best suits the property and the seller's needs. Maryland has seen a great success in the Auction Method of Marketing Properties.
A well planned, aggressive marketing/advertising campaign targeted to prospective purchasers is critical to an auction's success. My company has been very aggressive with this...even going as far as offering a "$1,000 SOLD" guarantee!
Using a recognized real estate auction company such as Advantage Real Estate Auction Sales, LLC. or a REALTOR® auctioneer to ensure the auction is conducted in a professional manner and followed-up through closing. We serve Harford, Baltimore, Cecil and Surrounding Areas.
Making sure that due diligence information is provided to prospective buyers AHEAD OF TIME.
Preparing the property for sale so it is presented to prospects in its best condition. (i.e.., title insurance, clean-up, financing, etc...)

Most properties are salable by auction. All types of real estate, including residential property (e.g., town homes, condominiums, cooperative apartments and single-family homes), commercial and industrial property, vacant land and even boat slips are sold at auction. Not all property, however, is suited for auction. If a property will only appeal to a narrow market, auction may not be the most effective marketing method.
If you have any questions, please feel free to contact Robert B. McArtor at 410-879-0622

TOP BALTIMORE MARYLAND AUCTIONEERS and AUCTIONS, ROBERT MCARTOR, REALTOR

2008-07-11T11:37:00.000-07:00

TOP BALTIMORE MARYLAND AUCTIONEERS and AUCTIONS, ROBERT B. McARTOR, REALTOR
We are Real Estate Auctioneers in Baltimore. Conducting Sales in Maryland, Harford County, Baltimore County, Baltimore City Auctioneers and Auctions through-out the United States. The right price for your property is the one set by a competitive market. There is no faster, more direct way to ascertain your property's value than with Robert B. McArtor, recognized REALTOR® with Long and Foster Real Estate, Inc. and Auctioneer. Our aggressive, customized marketing programs are specifically designed to attract the largest possible pool of qualified buyers. Through the competitive bidding process, buyers and sellers quickly learn what the market will pay for a property. "Let us place your property in an "Accelerated Auction Marketing Program" and we"ll mark your properpty SOLD! Other Auction Companies to Choose from are Alex Cooper Auctioneers, A.J. Billig, Auction Brokers, Richard Opfer, Express, Dance, Campbell and others.

Auctions Are Often Thought of as "Fire Sales" For Properties in Distress. Is this True?Until recently, real estate auctions, unlike art and antique auctions, have experienced unfounded negative images in the marketplace. The majority of auctions today don't result from foreclosure of distress situations, but rather are the result of a seller choosing a cost-effective, accelerate method to sell a property. Builders or financial institutions, for example, prefer auction rather than laboring for months or years to sell units of a development one by one. Auctions in Baltimore City allows the seller to eliminate virtually all long-term carrying costs, passing the savings directly to the purchaser in the form of a reduced price. Auction is truly a win-win situation: sellers obtain immediate cash and buyers purchase properties at fair market value, the price determined by open, competitive bidding. Maryland residents enjoy the advantages of the Auction Method in Baltimore City.What Factors Impact the Success of an Auction in Baltimore?

The seller must have realistic expectations, including a fair sales price, terms and timing.
The desirability of the property. This includes location, conditions, plus the value of surrounding properties.
Since a variety of auction methods are available, carefully choose the auction type that best suits the property and the seller's needs. Maryland has seen a great success in the Auction Method of Marketing Properties.
A well planned, aggressive marketing/advertising campaign targeted to prospective purchasers is critical to an auction's success.
Using a recognized real estate auction company or a REALTOR® auctioneer to ensure the auction is conducted in a professional manner and followed-up through closing. We serve Harford,Baltimore, Cecil and Surrounding Areas.
Making sure that due diligence information is provided to prospective buyers AHEAD OF TIME.
Preparing the property for sale so it is presented to prospects in its best condition. (i.e.., title insurance, clean-up, financing, etc...)
Most properties are salable by auction. All types of real estate, including residential property (e.g., town homes, condominiums, cooperative apartments and single-family homes), commercial and industrial property, vacant land and even boat slips are sold at auction. Not all property, however, is suited for auction. If a property will only appeal to a narrow market, auction may not be the most effective marketing method.

100 BPO and REO COMPANIES I AM MAKING MONEY FROM AS A REALTOR

2008-07-11T11:19:00.000-07:00

100+ BPO and REO Companies I use!

100+ BPO Companies that I use!
In a matter of weeks of submitting to all the companies on my list, I have listed my 4th. REO Property with 3 SOLD and 5 currently Listed. I am doing numerous BPO's weekly and you can too! For some of you this may sound like a low number however I have just started. I am amazed at the checks coming in. Most companies pay bi-weekly. Yes, you can search for companies on your own time OR simply order my list. I have taken hours to research them! If you are wanting to do Broker Price Opinions, this is a great opportunity for your Real Estate REO Business.
Stop searching for BPO and REO companies on the Web! I have 100+ companies with clickable links to their websites with submission instructions that I want to send to you by email.
Sign up now and I will tell you the 3 MUST companies I use to receive most of my BPO orders.
I will also tell you the method I use to fill out those time consuming applications....with just ONE CLICK! your form is filled out making application submissions easy.

ALL THIS FOR ONLY $9.95 through PayPal. Use my email address info@harfordadvantage.com and I will email you the list! SIMPLY CLICK ON THE IMAGE ABOVE AND GO DIRECTLY TO PAYPAL.

Robert B. McArtor, REALTOR - Auctioneer, Long and Foster Real Estate, Inc.
JUST A QUICK UPDATE! - I have listed another 2 properties with my 5th. one now under contract! It is getting very busy for me and you can be busy too!

YOUR HOME SOLD FAST and for TOP DOLLAR in MARYLAND, BALTIMORE, HARFORD, CECIL COUNTY

2008-07-11T11:03:00.000-07:00

GET YOUR HOME SOLD FAST and for TOP DOLLAR in MARYLAND, BALTIMORE, HARFORD, CECIL COUNTY

The 9 Step System to Get Your Home Sold Fast and For Top Dollar
Selling your home in Maryland with Robert B. McArtor, REALTOR with Long and Foster Real Estate will probably be one of the most important steps in your life. Our 9 step system will give you some of the tools necessary to maximize the profits you realize, to keep control of the property, and to reduce stress that normally comes with selling a home in Baltimore, Harford, Cecil County.

1. Know why you're selling, What is motivating you.
The reasons for selling a home in Maryland can affect everything from setting a sales price to deciding how much time you are willing to invest in getting your home sold. You need to decide what is more important to you....how much will you be walking away from the sale of your home OR the time spent on the market? Different goals will certainly bring different strategies in marketing. Some may choose to use a REALTOR or Real Estate Agent OR utilize the Auction Method to liquidate your home.
2. Do your homework before setting a price.
Finding out what your offer price is should not be done lightly. I spent an hour on the phone with a potential client discussing a possible listing price. They really wanted to use the Auction Method however after evaluating their position, the Traditional Method was best. I knew that pricing too high was as dangerous as pricing too low. You should remember that the average buyer is looking at 15 to 20 homes at the same time they are considering yours. This means that they are comparing. If your home does not compare favorably with others in the price range you've set, it will not be taken seriously by potential buyers for Maryland Homes or agents. This will result in your home sitting on the market for a long time and, new buyers on the market will think there must be something wrong with your home. As a listing agent, I am excited to being committed to make sure your Home in the Maryland Area is priced correctly to SELL!
3. Do your homework...or better yet....Your Agent should do this for you.
Find out what homes in your neighborhoods have sold for in the past 6-12 months. We do this for all our properties in Maryland, Harford County, Cecil County, Baltimore County and the City. We research what current homes are listed for. That's certainly how prospective buyers will assess the worth of your home.
4. Find a good real estate agent to represent your needs.
Nearly three-quarters of homeowners claim that they wouldn't use the same REALTOR who sold their last home. Dissatisfaction boils down to poor communication which results in not enough feedback, lower pricing and strained relations. Another FREE report entitled, "10 Questions to Ask Before You Hire an Agent" gives you the straight, to-the-point questions you should be asking when you interview agents who want to list your home. Please click on the above link to obtain this FREE Report from my website.
5. Maximize your home's sales potential.
The appearance or your home is critical, and it would be foolish to ignore this when selling your home in Maryland
You may not be able to change your home's location or floor plan, but you can do a lot to improve its appearance. The look and feel of your home generates a greater emotional response than any other factor. Clean like you've never cleaned before. Pick up, straighten, unclutter, scrub, scour and dust. Fix everything, no matter how insignificant it may appear. Present your home to get a "wow" response from prospective buyers. We also understand that this may not always be possible to do. This is when we advise on pricing your home based on the Repairs or Updates the property needs.
Allow the buyers to imagine themselves living in your home. The decision to buy a home is based on emotion, not logic. Prospective buyers want to try on your home just like they would a new suit of clothes. If you follow them around pointing out improvements or if your decor is so different that it's difficult for a buyer to strip it away in his or her mind, you make it difficult for them to feel comfortable enough to imagine themselves an owner.
6. Make it easy for prospects to get information on your home, utilize the internet for exposure.
You may be surprised to know that some marketing tools that most agents use to sell homes (e.g. traditional open houses) are actually not very effective. In fact only 1% of homes are sold at an open house.
Potential Buyers calling for information on your home probably value their time as much as you do. The last thing they want to be subjected to is either a game of telephone tag with an agent, or an unwanted sales pitch. Make sure the ads your agent places for property also includes a Visual Tour...not just a standard slide show. Robert B. McArtor is able to provide you with daily statistics as the effectiveness and exposure of your property. Remember, the more buyers you have competing for your home the better, because it sets up an auction-like atmosphere that puts you in the driver's seat.
7. Know your buyer.
In the negotiation process, your objective is to control the pace and set the duration. What is your buyer's motivation? Does s/he need to move quickly? Does s/he have enough money to pay you your asking price? Knowing this information gives you the upper hand in the negotiation because you know how far you can push to get what you want. The Team with Long and Foster Real Estate will have all these questions answered and more.
8. Make sure the contract is complete.
For your part as a seller, make sure you disclose everything. Smart sellers proactively go above and beyond the laws to disclose all known defects to their buyers in writing. If the buyer knows about a problem, s/he can't come back with a lawsuit later on.
Make sure all terms, costs and responsibilities are spelled out in the contract of sale, and resist the temptation to diverge from the contract. For example, if the buyer requests a move-in prior to closing, just say no. Now is not the time to take any chances of the deal falling through. Robert McArtor and his Team will make sure that ALL details are reviewed to make a smooth transition.
9. Don't move out before you sell your home in Maryland
Studies have shown that it is more difficult to sell a home that is vacant because it looks forgotten, simply not appealing. It could even cost you thousands. If you move, you're also telling buyers that you have a new home and are probably highly motivated to sell fast. This, of course, will give them the advantage at the negotiating table. Let Robert McArtor and The Maryland HOMES Team with Long and Foster Real Estate advise you.

Call him now 410-879-0622 or simply email your needs to robert@harfordadvantage.com

MISTAKES SELLERS MAKE WHEN SELLING THEIR HOME IN MARYLAND, BALTIMORE, HARFORD COUNTY

2008-07-11T10:56:00.000-07:00

MISTAKES SELLERS MAKE WHEN SELLING THEIR HOME IN MARYLAND, BALTIMORE, HARFORD, CECIL COUNTY

Remember not so long ago, when you could make your fortune in real estate in Maryland, Baltimore, Harford and Cecil County. It was nothing then to buy a home, wait a short while, and then sell it at a tidy profit.
Well, as you probably know, times have changed. As good as the market is right now, home prices are still below what they were at their peak. Buyers are far more discriminating, and a large percentage of the homes listed for sale never sell. It's more critical than ever to learn what you need to know to avoid costly seller mistakes in order to sell your home in Maryland, Baltimore, Harford or Cecil County fast and for the most amount of money whether utilizing the Auction or Traditional Method of Selling.

The 7 Deadly Mistakes Most Home Sellers Make
Failing to analyze why they are selling their home in Maryland
Not preparing their home for the buyer's eye.
Pricing their homes incorrectly. MarylandHOMESTeam can help!
Selling too hard during showings.
Signing a long-term listing agreement without a written performance guarantee.
Making it difficult for buyers to get information on their home.
Failing to obtain a pre-approved mortgage for one's next home.

Call Robert B. McArtor today for questions you may have concerning selling your property. Call 410-879-0622 or simply email him at robert@harfordadvantage.com

Long and Foster Real Estate, Inc. Equal Housing Opportunity

RELOCATING to HARFORD COUNTY, JOPPA MARYLAND HOME SEARCH STATISTICS

2008-07-11T10:52:00.000-07:00

RELOCATING to HARFORD COUNTY, JOPPA HOME SEARCH STATISTICS, REALTORS and AGENTS

Relocating to Joppa Maryland Real Estate in Harford County, Homes for Sale, Realtors and Auctioneers, Home Stats for zip code 21085 as of January 2008
2008 2007 % Change
Total Sold Dollar Volume: $ 472,000 $ 2,743,800 - 82.80 %
Average Sold Price: $ 236,000 $ 274,380 - 13.99 %
Median Sold Price: $ 236,000 $ 266,500 - 11.44 %
Total Units Sold: 2 10 - 80.00 %
Average Days on Market: 159 133 19.55 %
Average List Price for Solds: $ 249,900 $ 297,710 - 16.06 %
Avg Sale Price as a
percentage of Avg List Price: 94.44 % 92.16 %
Joppa real estate agents in Maryland, Find and Search for Joppa homes for sale, and Joppa home values in Harford County. Get access to Joppa real estate listings on our website, including the MLS and Homes Database, We are Joppa REALTORS. Find new homes and foreclosures, investment properties with Maryland HOMES Team and Long and Foster Real Estate, Inc. Our real estate services feature all Joppa and Maryland cities and suburbs. We can help you Find Joppa school district information, including elementary, middle and high schools. We also have information on Joppa home selling, home buying and mortgages, movers and other realty services for anyone looking to sell a home or buy a home in Joppa Maryland. Become a VIP Buyer and start receiving HOT NEW LISTINGS that match your home buying criteria. Start searching for Homes in Joppa today!
Maryland HOMES Team provides Joppa, Maryland real estate information and resources to guide homeowners and homebuyers through the process of selling and buying a house, condo, town home, land or other Joppa realty property. Long and Foster Real Estate, Inc. has services to help you find a Top Joppa real estate broker or agent, get the value of your Joppa home and a comparative market analysis (CMA), view Joppa real estate and MLS listings, prepare and stage your home for sale, and lots more.
Our real estate library of valuable information located at www.VIP.MarylandsHomeTeam.com which contains articles to help anyone selling a home or buying a home learn more about Joppa realty services, and how to choose a work with Robert B. McArtor, your Joppa REALTOR. Through our Team Members, we also provide real estate and financial services to our clients looking for houses for sale or selling their home in Joppa, MD, such as mortgages, credit history, new homes, foreclosures and other services. If you plan to do for sale by owner (FSBO), with Robert B. McArtor, you are connected to Joppa real estate companies, agencies and resources to sell or buy a home. Whether you say REALTOR®, reality, realety, realty, real estate or realestate, Maryland HOMES Team will speak your language. Contact us Toll Free at 1-877-421-SOLD or Robert McArtor directly at 443-392-4833. Robert B. McArtor is also available for BPO's and REO listings in the Baltimore Metro, Baltimore County, Cecil County areas, Harford County

ABOUT HARFORD COUNTY HISTORY, INTERSTING FACTS to KNOW ABOUT MARYLAND

2008-07-11T10:48:00.000-07:00

HARFORD COUNTY HISTORY, INTERESTING FACTS to KNOW ABOUT MARYLAND

One of the interesting things I have found as a Real Estate Agent, REALTOR and Auctioneer in Harford County is finding out is was formed in 1773 by the splitting of Baltimore County. There are many homes and places of interest as you travel through this quiet county. One home you will find of interest is Tudor Hall which is the birthplace of John Wilkes Booth who was assassinated by Abraham Lincoln in the year of 1865. This home was the site of a notorious Real Estate Auction that brought national attention to Harford County. It also hosted the signers of the Bush Declaration. This was the precursor document to the American Revolution. As you search for Homes in Harford County, notice the vast rural countryside that is just minutes from suburban amenities and I-95.
Did you know that Harford County was named after Henry Harford. He was the illegitimate son of Frederick Calvert, 6th Baron Baltimore. Henry Harford was the last Proprietary Governor of Maryland, but did not inherit his father's title because of his illegitimacy.
Another favorite town of mine is Havre de Grace, a beautiful city in Harford County. This small city was once under consideration to be the capital of the United States rather than Washington, D.C.. It was favored for it location on the Chesapeake Bay. The waterways around Harford County are beautiful and compliments the wonderful homes you will find here. If you are looking for your next home in Harford County or looking to list or auction your home in Harford County. Advantage Real Estate Auction Sales is here to serve you in the up-most professional manner. Robert B. McArtor is also a Licensed REALTOR with Long and Foster Real Estate, Inc.. For more information, please do not hesitate to contact him at 443-392-4833 or through his website, http://www.MarylandHOMESTeam.com/
Relocation buyers to harford county

FIRST TIME HOMEBUYER, SEARCHING FOR HOMES IN MARYLAND, HARFORD, BALTIMORE COUNTY AND CITY

2008-07-11T10:38:00.000-07:00

Don't Pay Another Cent in Rent to Your Landlord in Maryland Before You Read This FREE Special Report for Renters in Maryland, Harford County, Baltimore County, City and Cecil County.
If you're like most renters in Maryland, you feel trapped within the walls of a house or apartment that doesn't feel like yours. Even if you are considering Relocating to Maryland, you feel as if you would need to rent a place first. You also feel as if you're not even permitted to bang in a nail or two without a hassle. You feel like you're stuck in the renter's rut with no way of rising up out of it and owning your own home in Maryland.
Well don't feel trapped any more! A new FREE Real Estate Special Report entitled "How To Stop Paying Rent and Own Your Own Home" has already helped dozens of local renters in Harford County, Baltimore County, Baltimore City, Cecil County by getting out from under their landlord's finger, and move into a wonderful home they can truly call their own. You can make this move too by discovering the important steps detailed in this FREE Special Real Estate Report.
It doesn't matter how long you've been renting, or how insurmountable your financial situation may seem. With the help of this report, it will become suddenly clear to you how you really can save for the down payment and stop wasting thousands of dollars on rent.
Robert B. McArtor and the Maryland HOMES Team will work hard for you. If you are thinking of an auction, we can service your needs as well. With excellent job opportunities that Maryland has to offer, we can help you with your home buying dreams. We are prepared to help you relocate due to BRAC. Whether you are relocating from abroad, or are an established business or resident, We can help you find the Home of Your Dreams.
Your Real Estate Leaders in Maryland, Harford County, Baltimore County, City and Cecil County when you are looking for Real Estate in these areas, Robert B. McArtor with Long and Foster Real Estate, Inc. is your Real Estate Team of choice.
Robert B. McArtor, REALTOR and Auctioneer with Long and Foster Real Estate, Inc. is there to help you find your next home. Call me today 410-879-0622 or visit our Website at Maryland HOMES Team!
If you are looking for an experience REALTOR, Real Estate Agent or Auctioneer serving the Baltimore, Harford County, Baltimore City and Cecil County Area, your search has ended. Whether you are Relocating to Maryland, Buying a Home, Selling a Home or considering the Auction Method of Marketing your property. Robert McArtor, REALTOR with Long and Foster Real Estate, Inc. and noted Licensed Auctioneer is here to serve you. Have your questions answered immediately by calling him direct. As a gift to you, please visit my REALTOR website and recieve FREE Reports on Buying and Selling a Home in Maryland.
FREE Quick Over-The-Net Home Evaluation for Homes in Maryland, Harford County, Baltimore County, City, and Cecil County Knowing what your home is worth is important information to have if you are thinking of selling your home. Using the information you submit to us, we will conduct a thorough comparative market analysis by searching the database of all homes listed or sold in your area. Even if you are looking for auctions in Maryland. We will be able to determine what your home might sell for if you decided to put it on the market. There is no cost or obligation for this valuable service.
You can become a VIP Buyer and Beat Other Buyers to Hot New Listings in Maryland, Baltimore, Harford County, Cecil County Homes. How To Receive Daily Emails or Printouts of ALL New Listings That Match Your Home Buying Criteria Sent to You FREE of Charge Without Obligation. We will mail/e-mail you new listings (complete with pictures) of ALL MLS properties that match your home buying criteria. Our exclusive Buyer Profile System allows you to pick which homes in Maryland you want to view before other buyers even know about them. As a VIP buyer: You get weekly updates of all new home listings that match your criteria FREE of charge. You get first pick of homes that interest you and the ability to beat other buyers to an offer. Because you're there first, before most other buyers, we are able to negotiate the lowest possible price for you. Most importantly your time isn't wasted viewing homes that don't interest you.
Get a Back Stage Pass and Become a VIP Member! Login and Access the Most Useful Information on Buying or Selling a Home inMaryland, Harford County, Baltimore County, City and Cecil County. Right now, you can take your first-step in educating yourself on Home Buying, Selling and Auctioning. Start exploring the real estate landscape and instantly access our exclusive, rich-media library of special reports and resources. You can also personalize our VIP site according to your needs and wants. Just enter your profile information once you are logged in and instantly access the real estate information that matches your profile.
We are confidant that our VIP site will empower you with the knowledge to make the most educated and profitable home buying and selling decisions using Long and Foster Real Estate, Inc.
HOME MARKET WATCH NEWSLETTER. Each month, we publish a series of articles of interest to homeowners looking to Auction, Buy or Sell their Home Traditionally in the Maryland, Baltimore, Harford, Cecil County areas. -- money-saving tips, household safety checklists, home improvement advice, real estate insider secrets, etc. Whether you currently are in the market for a new home, or not, we hope that this information is of value to you. Please feel free to pass these articles on to your family and friends.

HARFORD COUNTY REAL ESTATE, AGENTS, REALTORS and AUCTIONEERS

2008-07-11T10:30:00.000-07:00

LONG AND FOSTER REAL ESTATE AGENTS AND REALTORS, HARFORD COUNTY REAL ESTATE

Our Long and Foster real estate agents that handle Harford County Real Estate are more than just "sales persons." We will act on your behalf as your Real Estate Agent in Maryland, providing you with advice and guidance. Our number one priority is to help you buy or sell a home. Due to the fast changing market, the data on available listings is not 100% accurate. As your REALTOR, We will provide you with the most current information about what Homes in Harford County have sold and what is currently for sale. You can get this information from our Professional Real Estate Team here in Maryland, Baltimore, Harford and Cecil County.

Did you know there are two types of agents? "Buyer's Agents" and "Seller's Agents". If you are in the market to buy a property or relocating to Maryland, it would be advisable to use a Buyer's Agent with MarylandHOMESTeam.com, an experienced Team with Long and Foster Real Estate. We can make recommendations on what terms and prices to offer as well as negotiating a deal with your best interest in mind. We are specialized in representing Sellers in Maryland with our intensive marketing program. With our comprehensive website and insight into the local market, we will help you price your property aggressively to insure maximum sales results with as little time on the market as possible. Did you know that Long and Foster Real Estate can also aggressively market your property utilizing the Auction Method of Marketing? Robert B. McArtor, the Teams Leader, is an experienced Real Estate Auctioneer selling over $25 Million in Real Estate in 2007 alone! If you have interest in selling your home by Public Auction, contact Robert McArtor today!
You can become a VIP Buyer and Beat Other Buyers to Hot New Listings in Maryland, Baltimore, Harford County, Cecil County Homes. How To Receive Daily Emails or Printouts of ALL New Listings That Match Your Home Buying Criteria Sent to You FREE of Charge Without Obligation. We will mail/e-mail you new listings (complete with pictures) of ALL MLS properties that match your home buying criteria. Our exclusive Buyer Profile System allows you to pick which homes in Maryland you want to view before other buyers even know about them. As a VIP buyer: You get weekly updates of all new home listings that match your criteria FREE of charge. You get first pick of homes that interest you and the ability to beat other buyers to an offer. Because you're there first, before most other buyers, we are able to negotiate the lowest possible price for you. Most importantly your time isn't wasted viewing homes that don't interest you.

TOP AUCTIONEERS and AUCTIONS in HARFORD COUNTY

2008-07-10T19:15:00.000-07:00

TOP Harford County Maryland Real Estate Auctioneers and Auctions, Homes for Sale, Realtors and Real Estate Agents. Go Now To http://www.harfordadvantage.com/ or Call Robert B. McArtor today at 410-879-0622.

Harford County real estate agents in Maryland, Find and Search for Harford County homes for sale, and Harford home values in Harford County. Get access to Harford County real estate listings on our website, including the MLS and Homes Database, We are Harford County REALTORS. Find new homes and foreclosures, investment properties with Maryland HOMES Team and Long and Foster Real Estate, Inc. Our real estate services feature all Harford County and Maryland cities and suburbs. We can help you Find Harford County school district information, including elementary, middle and high schools. We also have information on Harford County home selling, home buying and mortgages, movers and other realty services for anyone looking to sell a home or buy a home in Harford County Maryland. Become a VIP Buyer and start receiving HOT NEW LISTINGS that match your home buying criteria. Start searching for Homes in Harford County today!

Maryland HOMES Team provides Harford County, Maryland real estate information and resources to guide homeowners and homebuyers through the process of selling and buying a house, condo, town home, land or other Harford County realty property. Long and Foster Real Estate, Inc. has services to help you find a Top Harford County real estate broker or agent, get the value of your Harford County home and a comparative market analysis (CMA), view Harford County real estate and MLS listings, prepare and stage your home for sale, and lots more. Our real estate library of valuable information located at www.VIP.MarylandsHomeTeam.com which contains articles to help anyone selling a home or buying a home learn more about Harford County realty services, and how to choose a work with Robert B. McArtor, your Harford County REALTOR. Through our Team Members, we also provide real estate and financial services to our clients looking for houses for sale or selling their home in Harford County, MD, such as mortgages, credit history, new homes, foreclosures and other services. If you plan to do for sale by owner (FSBO), with Robert B. McArtor, you are connected to Harford County real estate companies, agencies and resources to sell or buy a home. Whether you say REALTOR®, reality, realety, realty, real estate or realestate, Maryland HOMES Team will speak your language. Contact us Toll Free at 1-877-421-SOLD or Robert McArtor directly at 443-392-4833. Robert B. McArtor is also available for BPO’s and REO listings in the Baltimore Metro, Baltimore County, Cecil County areas

ABOUT HARFORD COUNTY MARYLAND

2008-07-10T16:26:00.000-07:00

One of the interesting things I have found as a Real Estate Agent, REALTOR and Auctioneer in Harford County is finding out is was formed in 1773 by the splitting of Baltimore County. There are many homes and places of interest as you travel through this quiet county. One home you will find of interest is Tudor Hall which is the birthplace of John Wilkes Booth who was assassinated by Abraham Lincoln in the year of 1865. This home was the site of a notorious Real Estate Auction that brought national attention to Harford County. It also hosted the signers of the Bush Declaration. This was the precursor document to the American Revolution. As you search for Homes in Harford County, notice the vast rural countryside that is just minutes from suburban amenities and I-95.
Did you know that Harford County was named after Henry Harford. He was the illegitimate son of Frederick Calvert, 6th Baron Baltimore. Henry Harford was the last Proprietary Governor of Maryland, but did not inherit his father's title because of his illegitimacy.
Another favorite town of mine is Havre de Grace, a beautiful city in Harford County. This small city was once under consideration to be the capital of the United States rather than Washington, D.C.. It was favored for it location on the Chesapeake Bay. The waterways around Harford County are beautiful and compliments the wonderful homes you will find here. If you are looking for your next home in Harford County or looking to list or auction your home in Harford County. Advantage Real Estate Auction Sales is here to serve you in the up-most professional manner. Robert B. McArtor is also a Licensed REALTOR with Long and Foster Real Estate, Inc.. For more information, please do not hesitate to contact him at 443-392-4833 or through his website, http://www.MarylandHOMESTeam.com/

FIRST TIME HOME BUYER in MARYLAND, LOOKING FOR HOME, HOMES IN HARFORD, BALTIMORE, CECIL COUNTY

2008-07-10T13:35:00.000-07:00

FIRST TIME HOME BUYER IN MARYLAND, LOOKING FOR HOME, HOMES IN HARFORD, BALTIMORE, CECIL COUNTY
Don't Pay Another Cent in Rent to Your Landlord in Maryland Before You Read This FREE Special Report for Renters in Maryland, Harford County, Baltimore County, City and Cecil County.
If you're like most renters in Maryland, you feel trapped within the walls of a house or apartment that doesn't feel like yours. Even if you are considering Relocating to Maryland, you feel as if you would need to rent a place first. You also feel as if you're not even permitted to bang in a nail or two without a hassle. You feel like you're stuck in the renter's rut with no way of rising up out of it and owning your own home in Maryland.
Well don't feel trapped any more! A new FREE Real Estate Special Report entitled "How To Stop Paying Rent and Own Your Own Home" has already helped dozens of local renters in Harford County, Baltimore County, Baltimore City, Cecil County by getting out from under their landlord's finger, and move into a wonderful home they can truly call their own. You can make this move too by discovering the important steps detailed in this FREE Special Real Estate Report.
It doesn't matter how long you've been renting, or how insurmountable your financial situation may seem. With the help of this report, it will become suddenly clear to you how you really can save for the down payment and stop wasting thousands of dollars on rent.
Robert B. McArtor and the Maryland HOMES Team will work hard for you. If you are thinking of an auction, we can service your needs as well. With excellent job opportunities that Maryland has to offer, we can help you with your home buying dreams. We are prepared to help you relocate due to BRAC. Whether you are relocating from abroad, or are an established business or resident, We can help you find the Home of Your Dreams.

Your Real Estate Leaders in Maryland, Harford County, Baltimore County, City and Cecil County when you are looking for Real Estate in these areas, Robert B. McArtor with Long and Foster Real Estate, Inc. is your Real Estate Team of choice.
Robert B. McArtor, REALTOR and Auctioneer with Long and Foster Real Estate, Inc. is there to help you find your next home. Call me today 410-879-0622 or visit our Website at Maryland HOMES Team!
If you are looking for an experience REALTOR, Real Estate Agent or Auctioneer serving the Baltimore, Harford County, Baltimore City and Cecil County Area, your search has ended. Whether you are Relocating to Maryland, Buying a Home, Selling a Home or considering the Auction Method of Marketing your property. Robert McArtor, REALTOR with Long and Foster Real Estate, Inc. and noted Licensed Auctioneer is here to serve you. Have your questions answered immediately by calling him direct. As a gift to you, please visit my REALTOR website and recieve FREE Reports on Buying and Selling a Home in Maryland.

FREE Quick Over-The-Net Home Evaluation for Homes in Maryland, Harford County, Baltimore County, City, and Cecil County Knowing what your home is worth is important information to have if you are thinking of selling your home. Using the information you submit to us, we will conduct a thorough comparative market analysis by searching the database of all homes listed or sold in your area. Even if you are looking for auctions in Maryland. We will be able to determine what your home might sell for if you decided to put it on the market. There is no cost or obligation for this valuable service.

You can become a VIP Buyer and Beat Other Buyers to Hot New Listings in Maryland, Baltimore, Harford County, Cecil County Homes. How To Receive Daily Emails or Printouts of ALL New Listings That Match Your Home Buying Criteria Sent to You FREE of Charge Without Obligation. We will mail/e-mail you new listings (complete with pictures) of ALL MLS properties that match your home buying criteria. Our exclusive Buyer Profile System allows you to pick which homes in Maryland you want to view before other buyers even know about them. As a VIP buyer: You get weekly updates of all new home listings that match your criteria FREE of charge. You get first pick of homes that interest you and the ability to beat other buyers to an offer. Because you're there first, before most other buyers, we are able to negotiate the lowest possible price for you. Most importantly your time isn't wasted viewing homes that don't interest you.

Get a Back Stage Pass and Become a VIP Member! Login and Access the Most Useful Information on Buying or Selling a Home inMaryland, Harford County, Baltimore County, City and Cecil County. Right now, you can take your first-step in educating yourself on Home Buying, Selling and Auctioning. Start exploring the real estate landscape and instantly access our exclusive, rich-media library of special reports and resources. You can also personalize our VIP site according to your needs and wants. Just enter your profile information once you are logged in and instantly access the real estate information that matches your profile.
We are confidant that our VIP site will empower you with the knowledge to make the most educated and profitable home buying and selling decisions using Long and Foster Real Estate, Inc.

HOME MARKET WATCH NEWSLETTER. Each month, we publish a series of articles of interest to homeowners looking to Auction, Buy or Sell their Home Traditionally in the Maryland, Baltimore, Harford, Cecil County areas. -- money-saving tips, household safety checklists, home improvement advice, real estate insider secrets, etc. Whether you currently are in the market for a new home, or not, we hope that this information is of value to you. Please feel free to pass these articles on to your family and friends

BUYING A HOME IN A WEAK MARKET, MAKING SENSE for MARYLAND HOME BUYERS

2008-07-10T13:30:00.000-07:00

BUYING UP IN A WEAK MARKET vs. BUYING UP IN A STRONG MARKET, Making Sense for Maryland Home Buyers
Calculation of Buying Up in a Weak Market in Maryland, Baltimore, Harford and Cecil County
Compared to Buying Up in a Strong Market in Maryland, Baltimore, Harford and Cecil County
First - Moving Up in a Weak Market
Sale Price of Current Home Sale Price of Future Home
$400,000. $600,000.
The difference between the two properties is $200,000.
Moving Up in a Strong Market
This example assumes a price increase of 10%. Prices have increased at rates as high as 24% annually in our market. The market area average annual increase over the last 30 years is 6.9%.
Sale Price of Current Home Sale Price of Future Home
$440,000. $660,000.
The difference in price between the two properties is $220,000.
In this example it costs an individual $20,000 more to move up in a strong market than it does in a weak market.
Real Estate markets fluctuate daily in Maryland just as all economic markets do. The time for a buyer to get the best terms is when the seller is not experiencing much interest. The time to buy is when no one else is. Experienced investors know that.
Rates are very low now. Changing Rates can change the picture a lot.
Interest rates play a part in the cost of home buying as well.
On a purchase of $600,000. with a 10% down payment and a mortgage of $540,000. on a 30 year fixed rate mortgage the principal and interest payment would be:
At 7% $3,593.
At 6.5% $3,413.
At 6% $3,238.
At 5.5% $3,066.
At 5% $2,899.
For example, the difference between a payment at 6% and a payment at 6.5% costs $175. a month or $2100 a year!
The monthly payment at 6.5% (for example) on the extra $20,000 one might have spent in a strong market would be $126. more a month than what might have been paid in a weak market. This is $1512. a year!
The conclusion is that it is better to buy in a weak market and it is even more advantageous to buy when rates are low. Both of those conditions exist right now.

You can become a VIP Buyer and Beat Other Buyers to Hot New Listings in Maryland, Baltimore, Harford County, Cecil County Homes. How To Receive Daily Emails or Printouts of ALL New Listings That Match Your Home Buying Criteria Sent to You FREE of Charge Without Obligation. We will mail/e-mail you new listings (complete with pictures) of ALL MLS properties that match your home buying criteria. Our exclusive Buyer Profile System allows you to pick which homes in Maryland you want to view before other buyers even know about them. As a VIP buyer: You get weekly updates of all new home listings that match your criteria FREE of charge. You get first pick of homes that interest you and the ability to beat other buyers to an offer. Because you're there first, before most other buyers, we are able to negotiate the lowest possible price for you. Most importantly your time isn't wasted viewing homes that don't interest you.

Get a Back Stage Pass and Become a VIP Member! Login and Access the Most Useful Information on Buying or Selling a Home in Maryland, Harford County, Baltimore County, City and Cecil County. Right now, you can take your first-step in educating yourself on Home Buying, Selling and Auctioning. Start exploring the real estate landscape and instantly access our exclusive, rich-media library of special reports and resources. You can also personalize our VIP site according to your needs and wants. Just enter your profile information once you are logged in and instantly access the real estate information that matches your profile.
We are confidant that our VIP site will empower you with the knowledge to make the most educated and profitable home buying and selling decisions using Long and Foster Real Estate, Inc.

MARYLAND AUCTIONEERS, AUCTIONS and REAL ESTATE SALES in BALTIMORE, HARFORD COUNTY

2008-07-10T12:52:00.001-07:00

MARYLAND AUCTIONEERS, AUCTIONS and TOP REAL ESTATE AUCTIONS in BALTIMORE

YOU WANT TO MAKE THE RIGHT DECISION! Making the decision to auction your Home or Real Estate can be stressful. Making the decision of HOW to Auction your Real Estate can be confusing and stressful. The decision you make can impact the return you receive on your invested dollars in several important ways. At Advantage Real Estate Auction Sales we realize what an important business decision this is for you. We have been there!

At Advantage Real Estate Auction Sales, our buyers have confidence that an auction conducted by Advantage is as advertised, the property will be sold, and buyers are not wasting their time and incurring unnecessary expenses. Therefore, Advantage auction attracts more qualified buyers.

WE ARE MARYLAND AUCTIONEERS. Other Auctioneers in Maryland are A.J. Billig, Alex Cooper, Express Auctions, Charles Parrish with Auction Brokers.

What are the benefits of selling by Public Auction?

• Sell in about 30 days or less
The more expensive or unique a property in Maryland is, the longer it typically takes to sell your property using ordinary methods.This is due to an often limited market for these properties. Having a specified date on which you intend to sell creates a sense of urgency with potential buyers, and helps to speed up the entire sales process. REALTORS can be very helpful in marketing your property by traditional methods....auctions motivate!

• Get maximum exposure by using the Auction Method
By compressing the sales period, we can carry out a more aggressive marketing strategy, providing maximum visibility for your property. In addition, we can tailor our campaign to reach the target market most likely to be interested in your property.

• Get a fair market price at Auction
A Real Estate Auction eliminates pricing problems because it establishes the real market price that day for the property under the auction terms of sale.

• Gives you control over the sales process
You set the date and time of the sale, the terms and conditions such as earnest money deposits, closing time frames, and more. Because potential buyers know you are committed to sell on a specific date, they do their homework in advance and show up prepared to bid, freeing you from the hassle of dealing with insincere offers, prospects, and contract contingencies.

• Eliminate the cost of carrying your property in Maryland
A property that remains on the market for an extended period can become a serious drain on the owner and the owner's equity. Mortgage payments, maintenance, taxes and insurance can add up to thousands of dollars a month for some properties. An Advantage Auction in Maryland helps you eliminate those costs that erode your equity, and will often net you the highest price possible.

• Reach the broadest possible universe of qualified bidders in Maryland
Our experienced marketing staff at Advantage Real Estate Auction Sales, LLC. knows how to put together the right combination of advertising (local, regional, national and international, depending on your needs), direct mail (using our proprietary database of extensive prospective buyers), public relations and direct sales efforts to bring your property to the attention of qualified prospects wherever they may be.

If you have questions, feel free to email Robert McArtor, info@harfordadvantage.com or call 410-879-0622

Ethics:
At Advantage Real Estate Auction Sales, our buyers have confidence that an auction conducted by our Team is as advertised, the property will be sold, and buyers are not wasting their time and incurring unnecessary expenses. Therefore, Advantage auction attracts more qualified buyers.There are some companies in our industry that do not recognize the same responsibility and as a result, they cannot provide the same group of qualified buyers or the largest possible group of qualified buyers that an Advantage auction can provide.Such practices by some competitors may include such unethical or illegal practices of advertising an auction as absolute, meaning the property will sell without reserve, when in reality the auction company and seller have an agreement to cancel the auction or withdraw the property from the auction if some predetermined opening bid is not received.We support the industry's standards of not engaging in such practices. As a result, Advantage buyers act with confidence and you, the seller, receives maximum benefit of your marketing dollars by having more bidders on auction day.

REAL ESTATE AUCTIONS, AUCTIONEERS in HARFORD COUNTY, BALTIMORE, MARYLAND

2008-07-10T12:23:00.000-07:00

REAL ESTATE AUCTIONS, AUCTIONEERS in MARYLAND, BALTIMORE
Advantages For Sellers Using Robert B. McArtor in Maryland, Harford County, Baltimore

WHEN IT IS TIME TO SELL...YOU WANT TO MAKE THE RIGHT DECISION! Making the decision to Auction your Home or Real Estate can be stressful. There are many companies you can choose from such as A.J. Billig, Alex Cooper Auctioneers, Harvey West Auctioneers, Express Auctioneers, Auction Brokers and others.

Advantage Real Estate Auctioneers is the only company however to offer FREE Visual Panoramic Tours On-Line to assist a Bidder determining whether they will attend the Auction.

Robert B. McArtor has also made an aggressive sales performance guarantee, "Your Home SOLD by Public Auction ow We Pay You $1,000 CASH"

Making the decision of HOW to sell your Real Estate can be confusing and stressful. The decision you make can impact the return you receive on your invested dollars in several important ways. At Advantage Real Estate Auction Sales we realize what an important business decision this is for you. We have been there!

FOUR METHODS OF SELLING YOUR HOME IN BALTIMORE, MARYLAND, HARFORD COUNTY, Cecil County

"BROKERED LISTING" You list the property with your local real estate office. Listing can be time-consuming and inconvenient. Unscheduled and unplanned for showings, requiring that the property be in a constant state of model home preparedness. Unqualified buyers who just want to see how you live. Closing dates are up in the air because you don't know when it will sell. Negotiations can drag out while the buyer tries to wait you out. The buyer is usually in control.

"FOR SALE BY OWNER" You prepare the property. You write the ad, you have photographs done, you design the ad, you have the film made, you place the ads at retail cost, you take the calls, you try to pre-qualify the calls, you send out information, you follow-up, you try to schedule the appointments, you show the property. You wait. You place more ads. The Buyer is always in control.

"INVESTOR SALE" Either through brokered sale or "For Sale by Owner" you choose to discount the property heavily and sell to an investor. This method can cut carrying costs and significantly reduce the selling time.

"AUCTION SALE" IN MARYLAND, HARFORD COUNTY, BALTIMORE"The Auction method is enjoyed by thousands of homesellers each year who watch their properties professionally marketed both locally and regionally, eliminating the frustrations of the other selling methods and retaining the benefits.

REALTORS, AGENTS, RELOCATING to APG and BRAC RELOCATION SPECIALISTS

2008-07-10T12:18:00.000-07:00

ABERDEEN REALTORS, AGENTS, RELOCATING to APG and BRAC SPECIALISTS, HARFORD COUNTY
RELOCATING TO ABERDEEN, APG and BRAC RELOCATION SPECIALISTS, REALTORS, REAL ESTATE AGENTS
Aberdeen is home to the U.S. Army's Aberdeen Proving Ground (APG). The proving ground was established by Act of Congress and came into operation in January 1918. The proving ground occupies more than 72,500 acres in Harford County. More than 7,500 civilians and 5,000 military personnel work at APG. Because of BRAC, Robert McArtor and his Auction and Real Estate Staff have been busy with helping civilians relocate to the Maryland, Harford County, Cecil County, Baltimore Areas. Auctions have become a viable option when purchasing homes in these areas. Maryland HOMES Team with Long and Foster Real Estate, Inc. is proud to be of service to anyone affected by BRAC. If you are looking for a home in these areas, you can become one of our VIP Buyers are start receiving listings TODAY that match your home buying criteria.
Under the Base Realignment and Closure (BRAC) program announced in 2005, Aberdeen will see an influx of people relocating to the area. If you are interested in purchasing your next home through the auction method or simply looking for an Active property on the market. Robert B. McArtor and his team is here to assist you in your relocation needs.
If you are looking for an experience REALTOR, Real Estate Agent or Auctioneer serving the Baltimore, Harford County, Baltimore City and Cecil County Area, your search has ended. Whether you are Relocating to Maryland, Buying a Home, Selling a Home or considering the Auction Method of Marketing your property. Robert McArtor, REALTOR with Long and Foster Real Estate, Inc. and noted Licensed Auctioneer is here to serve you. Have your questions answered immediately by calling him direct. As a gift to you, please visit my REALTOR website and recieve FREE Reports on Buying and Selling a Home in Maryland.

MARYLAND NON-RESIDENT SELLER WITHHOLDING TAX, REAL ESTATE

2008-07-10T12:14:00.000-07:00

CHANGES TO THE MARYLAND NON-RESIDENT SELLER WITHHOLDING TAX, REAL ESTATE
Please note upcoming changes to the Maryland Non-Resident Seller Withholding Tax and the Prince George's County Recordation Tax rates for 2008
Maryland Tax Rate Changes
The Maryland Non-Resident Withholding Tax Rate will increase from 6.75% to 7.5% for individuals. The new rate is effective with settlements taking place on or after July 1st. (The 8.25% rate for entities remains unchanged.)
Additionally, the Prince George's County Recordation Tax will increase from $4.40 per $1,000 of sales price to $5.00 per $1,000 effective with settlements taking place on or after July 5th. 2008
Information provided by Robert B. McArtor, REALTOR® with Long and Foster Real Estate, Inc. and a Licensed Real Estate Auctioneer owner of Advantage Real Estate Auction Sales, Inc. in Maryland serving all counties including Harford, Baltimore and Cecil County, City. If you are relocating to Maryland contact us today! 410-879-0622.

MARYLAND HOME SALES DROP 32%, NOW IS THE TIME TO BUY A HOME IN MARYLAND, BALTIMORE, HARFORD COUNTY

2008-07-10T11:53:00.000-07:00

MARYLAND HOME SALES DROP 32%, NOW IS THE TIME TO BUY A HOME IN MARYLAND, BALTIMORE, HARFORD COUNTY

Home sales in Maryland have dropped 32% this year. Are you waiting for a better time to buy a home in Maryland, Baltimore, Harford or Cecil County? There are some fantastic mortgage programs out there. Let our experienced team assist you in the purchase or sale of your home in Maryland.
You can become a VIP Buyer and Beat Other Buyers to Hot New Listings in Maryland, Baltimore, Harford County, Cecil County Homes. How To Receive Daily Emails or Printouts of ALL New Listings That Match Your Home Buying Criteria Sent to You FREE of Charge Without Obligation. We will mail/e-mail you new listings (complete with pictures) of ALL MLS properties that match your home buying criteria. Our exclusive Buyer Profile System allows you to pick which homes in Maryland you want to view before other buyers even know about them. As a VIP buyer: You get weekly updates of all new home listings that match your criteria FREE of charge. You get first pick of homes that interest you and the ability to beat other buyers to an offer. Because you're there first, before most other buyers in Maryland, we are able to negotiate the lowest possible price for you. Most importantly your time isn't wasted viewing homes that don't interest you. The Auction Method of Selling is still a very viable way to liquidate an un-wanted property. We handle all types of Investment Properties by Auction and Traditional Sales through-out Baltimore City, County and Maryland
Get a Back Stage Pass and Become a VIP Member! Login and Access the Most Useful Information on Buying or Selling a Home in Maryland, Harford County, Baltimore County, City and Cecil County. Right now, you can take your first-step in educating yourself on Home Buying, Selling and Auctioning. Start exploring the real estate landscape and instantly access our exclusive, rich-media library of special reports and resources. You can also personalize our VIP site according to your needs and wants. Just enter your profile information once you are logged in and instantly access the real estate information that matches your profile. We are Maryland Real Estate Auctioneers.
We are confidant that our VIP site will empower you with the knowledge to make the most educated and profitable home buying and selling decisions using Long and Foster Real Estate, Inc. The right price for your property is the one set by a competitive market. There is no faster, more direct way to ascertain your property's value than with Robert B. McArtor, recognized REALTOR® with Long and Foster Real Estate, Inc. and Auctioneer. Our aggressive, customized marketing programs are specifically designed to attract the largest possible pool of qualified buyers. Through the competitive bidding process, buyers and sellers quickly learn what the market will pay for a property.

Call Robert B. McArtor now TOLL FREE 1-877-421-SOLD or Direct 443-392-4833

REALTORS® are taking a second look at the Auction Method

2008-01-04T20:04:00.000-08:00

REALTORS® are taking a second look at the Auction Method

Robert B. McArtor, REALTOR® with Long and Foster Real Estate, Inc. and Noted Real Estate Auctioneer in Maryland has been working with and educating Real Estate Agents on the Auction Method of Marketing since 1991. “It was tough in the beginning”, Robert explains the early days, “Why would an agent want to turn a client over to an Auctioneer? Don’t they just sell antiques, cars and furniture?”.

According to the National Association of Auctioneers, Residential real estate auctions continue to be one of the fastest growing segments of the live auction industry with an estimated growth of 3.1% since the end of the second quarter. Total real estate revenues for 2006 include: Residential Real Estate ($16.0 billion), Commercial/Industrial ($15.0 billion), and Land/Agricultural ($25.3 billion).

Now with a changing market, Auctions have become a popular method among aggressive sellers to sell their property. “This is certainly a win-win situation for everyone involved……Sellers need to sell their house, Agents want a commission, the Auctioneer utilizes the Auction Method to market the property and the entire process ends at the settlement table in less than 60 days.”

Robert McArtor has been Auctioning Real Estate since he was 21 years old. Now, at the age of 37, he is celebrating 16 years in the business and recently realized over $25 Million in sales in 2007 alone. “Between foreclosure auctions, home owner ordered sales, this has been a very busy year………we are expecting to see a tremendous rise in auctions through-out the Baltimore-Metro area.” Mr. McArtor says that more and more Sellers are frustrated with the lack of Buyers in the market place and are looking for a quick sale. With the Auction Method, the Seller can sell their home in “As-Is” condition with a non-contingent contract, eliminate high carrying costs and settle in as little as 30 days. “I love explaining the Auction Method to Realtors®. Once they have the knowledge, it’s simply a matter of suggesting an Auction to a qualified client”. Robert goes on to say, “The fact that I am also a REALTOR® and subscribe to a Strict Code of Ethics makes the Real Estate Practitioner and Client feel comfortable…..this is just an additional marketing tool the agent can use and get PAID to use it!”

Robert B. McArtor can be reached through his website, http://www.mdauctionsales.com/ or Directly at

2007 Real Estate Auctions...what OUR clients are saying about us!

2007-12-27T12:00:00.000-08:00

"Robert McArtor has one of the most informative Real Estate Auction websites around, my husband and I were certainly encouraged by what he said to us. This is a difficult market and he seemed to have a marketing plan that met our needs." Josephine W. - Bel Air, Maryland

"After discussing at length (our property) with Mr. McArtor, we decided the Auction Method was not the best method for our home in Baltimore. No one else explained it quite like he did...... Our property was best served with a traditional.....aggressive marketing approach with Long and Foster Real Estate of which he handled for us."Michael S. - Cockeysville, MD.

"Robert, as a REALTOR here in Baltimore, I have never heard the Auction Method explained the way you and your Team with Long and Foster Real Estate shared........we were certainly impressed........We learned how we could profit ourselves and our clients by using the Auction Method......I am looking forward to using you and your services this Spring." - Allan W. - Keller Williams Real Estate

" I wanted to thank you personally for helping us with the sale of our home in Harford County. After the Auction, we were not surprised of the out-come. Just as you recommended, you marketed our home on your website.......along with the Visual Tour.....I still can't believe you were able to negotiate $35,000 more for our property......your expertise is just what we needed to sell our home. We auctioned my Mother's Estate using your services and just new you would be the best one for the job" Robert J. - Havre de Grace, Maryland

" Robert, I do not know what to say except "Thank You", I found your auction website on the internet and took the opportunity by referring you to my friends in Harford County. They were facing foreclosure. Your timely marketing strategy allowed them to delay the foreclosure AND get money at the settlement table. That was the best phone call I made.......Thank you again." - Stephanie M. - Ican Realty Group

BRAC, APG, Relocating To Maryland, Harford, Baltimore or Cecil County

2007-12-27T11:53:00.000-08:00

Your Official Base Realignment, BRAC, Relocation Website serving Harford County, Baltimore County and Cecil County Areas. Start Your Home Search Here!

The Base Realignment and Closure, ( BRAC ) process allows the Department of Defense to transform its infrastructure to meet the future needs of the military. As a result of this process, some communities in Maryland and APG will experience an increase in military activity and associated community growth such as the need for availability of homes in Harford, Baltimore, Cecil County, while others are faced with a significant base closure and associated economic distress.

An increase in military activity may challenge a community’s capacity to absorb an influx of personnel and may place excessive demands on some off-base community services and facilities in Harford County,Cecil County and Baltimore County Maryland. Experience suggests that off-base housing scarcity and school overcrowding are areas of shared community and military concern. The community and the military alike must strive to maintain and improve the quality of life for local residents, including the new military personnel and their dependents.

HOUSING: Some communities experience a slowdown in local housing sales the moment a closure is announced, while sales in others continue unaffected. The drawdown of personnel may affect local renters and homeowners. The Service Human Resources Office should be able to provide a residential profile of the base population. On the basis of this profile, lenders, property owners, and community leaders can anticipate vulnerabilities and work with the local redevelopment organization to identify sources of assistance.

Personnel who are transferring with military functions may find it difficult to sell their homes in a slow market, or they may experience devaluation because of the base closure. Assistance for these housing issues is available through the DoD Homeowners Assistance Program.

For growing installations such as APG, some Maryland communities in Harford, Baltimore, Cecil County may not have adequate housing for incoming personnel. Robert B. McArtor and The Maryland HOMES Team will help you assess the local housing market and help plan your relocation to the area.

Robert B. McArtor, The Maryland Homes Team and Long & Foster Real Estate, Inc. welcomes you to Maryland. We understand that this extensive relocation period can be stressful. We want to assure you the most courteous and professional transition possible. Looking for Homes in Maryland is made easy through this website. You can search for Homes Now using our Homes Database. Whether you are looking to purchase or rent a home. This is the last stop you need to make. Let us preview the homes for you. Harford County,Baltimore County and Cecil County offers a variety of Townhomes, Single Family Homes, Condominiums, Waterfront Homes to choose from. If you need help in finding a home in Maryland. Please feel free to Become a VIP Buyer for BRAC civilians relocating to our area. Start your home search here or call us today! Direct at 443-392-4833 or Toll Free 1-877-421-SOLD!

Real Estate Auctions for REO Managers

2007-05-21T07:29:00.000-07:00

Baltimore, MD. - Advantage Real Estate Auction Sales, LLC. a local real estate auction firm based in Maryland is pleased to announce its involvement with local Loss Mitigation, and REO asset managers to assist them with liquidating under-productive inventory.
Our full service marketing team understands the needs of REO managers. Their portfolios are filled with assets that are not offering a return for their investors and shareholders alike. They find that holding costs are high and expenses can be unbearable to incur.If you are an REO manager and would like to see Advantage Real Estate Auctions work for you in liquidating your unsold properties. Our staff is here to assist you. With over $7 Million in Auction Sales in 2007, we are the Advantage Auction Company of Choice in Maryland. "We are able to bring multiple buyers together and bid in a competitive environment to insure our clients a speedy, economical solution to their inventory without the towering costs and charges from national auction companies that may not have knowledge of the local market" Says Robert B. McArtor, Founder of Advantage Real Estate Auction Sales, LLC. Robert B. McArtor, Managing Member and Founder of Advantage Real Estate Auction Sales, LLC. has extensive experience working with banks and institutions in converting nonperforming assets into cash. He is a licensed Auctioneer in Maryland and Real Estate Agent with Long and Foster Real Estate, Inc. Robert McArtor currently has affiliates in all 50 States.For more information, contact Robert B. McArtor at 410-879-0622, or by visiting the Advantage Team on the web at http://www.harfordadvantage.com/

Demographics for Bel Air, Maryland Harford County

2007-05-03T18:25:00.000-07:00

Robert B. McArtor, REALTOR/ Auctioneer, is recognized in the area as one of the leading authorities on Buying, Selling Traditionally and Auctioning Real Estate. For more information, please visit Maryland HOMES Team.

Demographics - Bel Air, Maryland 21014
Neighborhood type - Suburban - Harford County
Population - 35,701
Pop. density - 2,628.9
Percent male - 48.5%
Percent female - 51.6%
Median age - 36.3
People per household - 2.6
Median household income - $67,944
Average income per capita - $29,550

Housing - Bel Air, Md. 21014
Median home value - $293,300
Median age of homes - 20.0
Home appreciation - 18.5%
Homes - owned - 76.8%
Homes - rented - 19.9%
Homes - vacant - 3.3%
Commuting by bus - 1.0%
Commuting by carpool - 8.4%
Commuting by auto - 85.8%
Working at home - 3.4%

Family Facts - Bel Air, Md. 21014
Currently married - 60.7%
Never married - 20.5%
Divorced - 7.3%
Widowed - 6.6%
Separated - 4.9%
Married - w/ children - 32.9%
Married - no children - 29.8%
Single - w/ children - 6.5%
Single - no children - 30.8%

Advice to the Buyer of Property at Auction

2007-05-03T17:11:00.000-07:00

Advice to the Buyer of Property at Auction

In a sale by offer and acceptance, you can write special conditions into your offer to protect
yourself. These special conditions may include repairs to the property, building inspections or
termite inspections. However, in an auction you do not have this option. As a result, purchasing
at an auction can be riskier than purchasing through sale by offer and acceptance. Preparation is essential If you have decided you wish to bid at an auction, it is recommended that you have finalized finance arrangements and have developed a good understanding of what the property is worth. As auctions are generally cash sales, you will need to arrange all finance beforehand.You will also need the amount of the deposit price as this is paid at the close of the auction. The primary duty of the real estate agent and the auctioneer is to look after the seller’s interests. It is therefore wise to ask the real estate agent as many questions as possible about the property, inspect the property carefully, and do your own checks on the property through the local council and other relevant authorities. The Real Estate and Settlement Advisory Board’s (REBA) publication Buying a home through an agent can provide further guidance on the types of checks you can do on a property before buying. Before bidding at an auction, it is wise to have formed your own view about the value of the property. You will not be able to rely on the actions of other bidders to give you an idea of the property’s value because some people may be bidding for the seller. The seller may make their own bids up to the reserve price. The seller’s real estate agent, the auctioneer or other people may also make bids on behalf of the seller up to the reserve price. This is common in all types of auctions. It is recommended that you check if the seller intends to bid by reading the Auction Particulars and Conditions of Sale of Freehold Property contract prior to the auction. If you become the successful bidder, you will need to immediately nominate a settlement agent or lawyer to transfer the land title and conduct settlement for you. It is therefore best to decide on your settlement agent before the auction. Bear in mind that a settlement agent who is unconnected to the seller or the seller’s real estate agent is preferable because they are less likely to experience a conflict of interest when representing you.

I found the missing puzzle piece..........

2007-04-28T17:26:00.000-07:00

I am reminded that Auctioneers and REALTORS are not just marketers of real estate. I was asked to meet a gentleman who recently lost his wife. He asked me to consult with him on the sale of his home. The memories of this quiet home were simply too much to handle. I quickly found myself switching hats from that of a Professional Auctioneer to an Experienced Counselor. We shared some wonderful memories together, offered life experiences and was an ear for this man to speak to. I had a wonderful time.

This was obviously the LOVE of his life. It was time for me to "Say Goodbye".

I realize this blog is somewhat off topic from the norm. It is important to share that Auctioneers and REALTORS should be great listeners, not always conducting the business of real estate, but conducting the business of being people persons.

He told me he went through his life holding on to the letters "L" , "O" , "V".
When he met his wife.......she was holding the letter "E".......this finally completed him.

Executor of an Estate in Maryland

2007-04-28T16:08:00.000-07:00

If You're The Executor of an Estate in Maryland, Baltimore

Please note: I am not an attorney and I am not offering legal advice. This is for informational purposes only. For detailed information, please seek the advice of an attorney.

You should maintain proper financial records for an estate. Document absolutely everything. The greater the detail the better. It is always easier to document and describe a transaction when it occurs than at a later date when someone is questioning the transaction.

Selecting a Bank:

Many executors simply continue to bank where they have had their personal bank accounts or where the decedent maintained bank accounts. Although this may be adequate, there may be no compelling reason to continue using either institution for the estate. Evaluate the estate's banking and financial needs and interview not only previously used institutions but others as well. Estate financial matters create different needs and can benefit from different services and departments than personal banking needs. Inquire as to what specific trust and estate services various institutions offer, how they price them and what specifically they can do to assist you in handling the estate. Many larger institutions have extremely sophisticated trust departments that can assist you in arranging financing, consolidating accounts, investment management and so forth. These services may help you hold down legal and other fees.

Accounts in Estate Name:

All transactions should be run through the estate's name and under the estate's tax identification number. Other than minor exceptions for necessary initial expenditures by you prior to the estate account being opened (each of which should be carefully documented) never commingle estate funds with your personal funds, beneficiary funds and so on. Safety checksPurchase safety checks for all estate payments. These checks have a carbonless check voucher attached. Each time you write out a check a carbonless second sheet records the transaction. Take this second sheet (called voucher copy of the check) and staple the bills or other documents supporting the payment to them. Then file these in check number order.

Document all Cash Payments:

If you choose to advance your own funds to cover an estate expense, make a copy of the check and attach copies of the supporting documents (e.g., the bill). When the estate checking account is open, you can then reimburse yourself and use the previously assembled backup to support the check. Run all financial transactions through one estate checking account. You can vastly simplify the record keeping for the estate by running all payments and deposits through a central or single estate checking account and brokerage account. Any proceeds of any nature received should be deposited in one estate checking account. Each deposit slip should be saved and the source and nature of the deposit clearly explained. Even if the estate receives a large settlement that you will invest pending distribution, first deposit it in the central estate checking account and thereafter transfer it to the estate brokerage account for investment. All investments should likewise be made in street name in a single brokerage account (unless the estate is so substantial that the insurance limits on the account will be exceeded). All payments should be made from the same account. Similarly, each check should clearly document the purpose of the check. Carefully describe every deposit, check, credit/debit memo or other transaction. Detailed descriptions will make it much easier for you, or your professionals, to identify transactions, prepare accountings and complete tax returns.

Why Buy or Sell Using the Auction Method in Maryland?

2007-04-24T19:17:00.000-07:00

Buying or Selling by Auction in Maryland, Baltimore City & County, Harford County, Cecil County Areas

1 - Competitive Marketplace The auction method of marketing creates a form of competition that cannot be duplicated by private treaty. Each bid reinforces the market value of the property. This affirmation of value encourages other participants to continue bidding. Within all of us is a tremendous need to win. In a traditional real estate sale the buyer satisfies this need by negotiating the seller down. In an auction the buyer can only win if he outbids all other bidders.The auction brings all interested parties into one place at the same time for a single purpose - to determine who will pay the most for the property. All interested parties are "forced" to make a decision. Getting an interested person to act is the most difficult thing for a private treaty broker to do.

2 - ControlThe terms of the auction are established by the seller. All buyers are bidding based on a common set of terms and conditions. The seller stays in the driver's seat throughout the process.

3 - Immediate Results When the sale is over we will provide to you a signed purchase contract with a deposit check. After the contract is completed, the sale will be closed in about 45 days. The principle of time value of money suggests that a dollar received today is worth more than the same dollar to be received at a later date. The traditional method of private treaty sales has little ability to capitalize on this principle. While real estate may never be as liquid as stocks or securities, the auction method increases your liquidity significantly. The auction will reduce your cost on two fronts. First, the holding cost of the property is eliminated. The auction will terminate expenditures such as: interest, taxes, and maintenance. Second, there is the cost of lost opportunities. Consider what investments might be lost while your equity is tied up in unproductive properties.Let your equity work for you!

4 - PromotionThis is one of the strongest advantages of our auction method - the promotion of your property.It is inconceivable to believe that anyone would attempt to sell a product such as a house or other real estate without properly advertising it. However, real estate agents find it difficult to do a proper job of advertising simply because the funds are not available. No one knows when or if the property will sell; therefore, it is difficult to risk a large expenditure on advertising. With an auction, we can effectively determine when the property will sell; therefore, the owner can afford to attribute a certain amount of that sales price to advertising. By using signs, print media, electronic media, the internet and a direct mail campaign we can perform a media blitz that will reach all the prospective buyers.We can put more people across your front door in two weeks time than you would otherwise see in two years!

5 - ExcitementExcitement and motivation are used to the fullest with a public auction. Professionally trained ringmen apply continuous motivational pressure to the buyers to gain every dollar possible. This sense of excitement works to create the psychology of impending sale, which is so critical to the success of your auction.It is the interaction of these five areas, which make Advantage Real Estate Auction Sales, LLC. today's most successful methods of marketing.

Call Robert B. McArtor, REALTOR / Auctioneer, for more information 1-877-421-SOLD or Cell 443-392-4833 - Estates, Residential, REO Auctions, Commercial, Trustees.

Judicial Foreclosure Auctions in Maryland, Baltimore

2007-04-24T19:08:00.000-07:00

Judicial Foreclosure Auctions in Maryland

More than half the states allow judicial proceedings for a foreclosure. A lawsuit is brought by the lender ("mortgagee") against the borrower ("mortgagor") to acquire possession of the property (security). Like all lawsuits, it must start with a summons and complaint served on the borrower and any other parties with rights in the property. That is because all junior liens (second mortgage), including lease-hold tenancies, are wiped out if the foreclosure is successful. Superior liens include the IRS and property taxes. Those liens will survive a foreclosure sale.
Robert B. McArtor, Local Known REALTOR® and Auctioneer, owner of Advantage Real Estate Auction Sales, LLC. has been advising and representing Sellers and Buyers of Real Estate Sales for 16 years. If you have any questions concerning the Auction Method of Marketing or Buying at Auction, he can be reached by cell at 443-392-4833.

You only need one realtor to buy or sell a house or home in Maryland, Baltimore, Harford county homes, I enjoy educating home sellers on the current market conditions in bel air Maryland become aware of agents who enjoy homes in subdivisions and brac moving in Abingdon for sale and buying with no money down in edgewood and Aberdeen. Sell Fast and Get More I Can Help You With Any House You Want To See In Maryland Auction Harford County Realtor and the way you want to read the listing in Real Estate Homes that is what we enjoy and more in Cecil County farm land rural areas that sell real estate the best Baltimore County and living in Baltimore City Housing No Matter which Realtor Has it Listed or Advertised I Specialize in Marketing to Sell Homes and Commercial Properties Call Today For Free Consultation with No Cost or Obligation I enjoy selling Town homes TownHomes Single Family Homes auction Condominiums in an around the Baltimore area rural towns and Harford county realtor Cecil areas like perryville Thinking about auction? Think Robert B. McArtor, Call 1-877-421-SOLD for your free In-Home Consultation about the Auction Method of Marketing in Harford County, Auctioneers, Baltimore County

Deal Makers are first Play Makers

2007-03-04T11:14:00.000-08:00

I was at my son's B.B. game yesterday, probably more into the game than all the kids combined! "Box him out!", "Back him up to the Basket!", "Shoot and draw the foul!". While working with my son during the off season, the one thing I am teaching him is to learn the basics! At age 12, he is still learning to dribble, work under the basket, etc.

What does this have to do with Real Estate you may ask? Quite a bit! In my mind it is more than work ethic, integrity, honesty, my time and devotion to my customers and clients. It is learning the skills and techniques necessary to make a deal happen! Deal Makers....Play Makers..one in the same.

These are the thoughts I consistently instill in my team (and myself). When we walk, we don't need to talk, have a flashy vehicle, we just make the play...for our clients, customers and ourselves! http://www.MarylandsHomeTeam.com/

Who are the Top Employers in Harford County?

2007-03-03T16:25:00.000-08:00

I stumbled on this information I thought would be interesting to share. Who are the top employers in Harford County? With the influx of people moving into the county because of BRAC, I was interested in seeing this list. If you have any questions, please feel free to contact me anytime. http://www.MarylandHOMESTeam.com/

MAJOR EMPLOYERS

Aberdeen Proving Ground

Civilian 6,980 Military 5,110
Total. . . .12,090

Harford County Public Schools 4,573
Harford County Government 1,572
Harford Community College 1,205

PRIVATE SECTOR

Upper Chesapeake Health System 2,200
Rite Aid MidAtlantic Distribution Center 923
Sverdrup Technology, Inc. 500
Bechtel National, Inc. 300
Saks Fifth Avenue 450
SAIC 420
Frito-Lay 418
EAI Corporation 354
Collins & Aikman 330
Custom Direct, Inc. 329
Blue Dot of Maryland 300
Constar 250
Aberdeen Proving Ground Federal Credit Union 242
Cytec Engineered Materials 226
Cytec Fiberite 224
Battelle Eastern Science & Technology Center 211
Independent Can Company 208
The May Company 208
Bottcher America 199
Homestead Publishing 198
The ARC of Northern Chesapeake Region 193
Benfield Electric 191
Northrop Gumman/California Microwave 179
WAVE (Worthington Armstrong Ventures) 178
Nutramax Laboratories, Inc. 170
McCormick & Co. 168

Huber Engineered Materials 166

Clorox Products Manufacturing 165
Sephora Central Distributing Company 162
California Microwave/Northrup Grumman 160

Harford County - Your Community - My Profession

2007-03-03T12:34:00.000-08:00

First let me say thank you for reading my first posting. I have been asked by several of my past and present clients, "You know, you should share your thoughts". I will be adding more and more to my blog. Some topics you will be reading will deal with...

BRAC

Lending

Buying and Selling Opportunities
When is the Best Time To Sell.....(There is a certain Month you want to list your property in!)

My Performance Guarantees...

And Many Others.........

I look forward to meeting and or hearing from many of you.

Robert B. McArtor