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

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!

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

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

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

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

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

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