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

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.

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

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.

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

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

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)

SELLING YOUR TOWNHOUSE in HARFORD COUNTY, Sales History in 2009

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

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

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 RURAL MORTGAGE LOAN PROGRAM for HARFORD, BALTIMORE COUNTY

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.

TOP MARYLAND AUCTIONEERS and AUCTIONS in BALTIMORE

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.

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

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

STOP PAYING RENT and OWN YOUR OWN HOME FOR PENNIES DOWN

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

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.

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

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

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

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

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.

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

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

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.