21703 : Advice

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Joanne Gerri…, Real Estate Pro in Hagerstown, MD
Joanne Gerrits Spivey answered:
Can anyone tell me what happens after the bank does a BPO?
The bank is trying to obtain value on the property. Typically, the bank will accept or counter the contract after they get the BPO back. This would probably happen within 45-60 days. ... more
0 votes Share Flag Tue Feb 12, 2013 Home Buying in Frederick
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Hi all, Is it normal for a short sale under contract to still be shown?
Yes, normal for any house under contract with contingencies on it to be shown and a short sale has a contingency that the bank MUST approve the sale which is a HUGE contingency. Has the ... more
0 votes Share Flag Fri Sep 28, 2012 Home Buying in Frederick
Kris Paolini, Real Estate Pro in Montgomery County, MD
Kris Paolini answered:
I just got word from my Realtor that the bank did the BPO. What happens next ? On the contract, the bank has 45 days to respond.
If your real estate agent used the MAR contract and MAR short sale addendum, there is nothing that speaks directly to the BPO. As a buyer, you give the bank a specified number of days ... more
0 votes Share Flag Thu Mar 20, 2014 Home Buying in Frederick
C.quinones, Home Buyer in Frederick, MD
C.quinones asked:
Thank you all for answering my questions. Most of all for answering them quickly!
0 votes Share Flag Mon Sep 17, 2012 Home Buying in Frederick
Richard Iaro…, Real Estate Pro in Crofton, MD
Richard Iarossi answered:
I didn't think so, so I asked my Realtor and she told me that her real- state cashed it. She asked if that was okay with me.
If you submitted an offer to purchase a home in Maryland, the earnest money deposit has to be deposited by the Broker when the contract is ratified. In the case of a short sale, the off ... more
0 votes Share Flag Tue Sep 18, 2012 Home Buying in Frederick
Shanna Rogers, Real Estate Pro in Murrieta, CA
Shanna Rogers answered:
Now the Realtor Agency has cash my earnest check and still no word from the bank on whether or not they have accepted the offer on this short sale.
Hi C.quinones,

I'm not sure about MD, but in CA it is NOT the normal procedure. The earnest money deposit check is not cashed until you have WRITTEN approval from all lenders involv ... more
0 votes Share Flag Fri Sep 21, 2012 Home Buying in Frederick
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Foreclosing? Oh no! What happens then? Thank you all for your responses. I have a home inspection today. I signed all the paper work and just wai-
Your other post said you were putting an offer on a short sale and it was accepted. it was accepted by the seller but the bank has to agree and that can take MONTHS. If the bank is push ... more
0 votes Share Flag Thu Sep 6, 2012 Home Buying in Frederick
David A. Win…, Real Estate Pro in Frederick, MD
David A. Winkelman answered:
What does the HOA say about dogs? I have a 2 year old English Bulldog. Was wondering what stipulations the HOA for this complex has put on pets if any
HOAs typically do not stipulate breed of dog but might stipulate number per household. Are you buying or renting. If you are buying, usually there is no problem. If you are renting, it ... more
0 votes Share Flag Wed Jul 18, 2012 Rental Basics in Whittier
Patty Smith,…, Real Estate Pro in Frederick, MD
Patty Smith, Realtor answered:
Good Morning Bob & Nicole:

I see that you are living outside the US. If you stay in the Frederick Zip Codes (21701, 21702, 21703, 21704) you will be close to stores pretty much ... more
0 votes Share Flag Wed Apr 16, 2014 Shopping & Local Amenities in Frederick
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
where are the safest places to live in Frederick? I need to find a nice quiet apartment where there is the least amount of crime. thank you
When it comes to any safety/crime related issues, it's always best to contact the local police department with all your questions, hear all there is to hear firsthand. If unfamiliar wit ... more
0 votes Share Flag Mon Oct 13, 2014 In My Neighborhood in 21703
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
What are the Real Estate Agent commission in Frederick, MD?
You would be best off to call a few and ask. They are negotiable and we are not allowed to discuss them openly.
0 votes Share Flag Tue Feb 28, 2012 Home Selling in Frederick
Lisa Williams, Real Estate Pro in Frederick, MD
Lisa Williams answered:
What is the closest hospital to this house?
Frederick Memorial Hospital is the closest to the house at 20 Kline Blvd if that is the property u are referring to!
0 votes Share Flag Wed Mar 19, 2014 In My Neighborhood in 21704
Charlotte Sa…, Real Estate Pro in Ellicott City, MD
Charlotte Savoy answered:
hud accepted an offer, I reviewed hoa docs and decided to cancel. they won't return earnest money. Legal?
I would suggest asking for HUD's rejection of your EMD in writing? If you had a contingency in the contract for a review period of the HOA docs and didn't waive your right to ... more
0 votes Share Flag Sun Feb 12, 2012 Home Buying in Frederick
Darren Ahearn, Real Estate Pro in 21703
Darren Ahearn answered:
How large is Cannon Bluff? How many homes at buildout?
Hello Beth-
Thanks for your question. Cannon Bluff is a small community of homes in Frederick- Ryan homes is building these. Let me know if you would like to go visit this area ... more
0 votes Share Flag Fri Nov 18, 2011 Home Buying in Cannon Bluff
Annette Lawr…, Real Estate Pro in Palm Harbor, FL
Annette Lawrence answered:
We are homeless living in hotels for over a yr. Our credit is bad! We need a home for our family of 5. How? Only have $500 left for deposit.
You are approximately 1 year late with your question. But everyone must start somewhere.
Most communities have first time home owner or affordable housing initiatives. These programs w ... more
0 votes Share Flag Sat Oct 29, 2011 Rental Basics in 21701
Patty Smith,…, Real Estate Pro in Frederick, MD
Patty Smith, Realtor answered:
I'm looking for an agent that works with RE investors. Must be able to think differently & not be embarrassed to submit low offers.
Hi Michael:

I work on a real estate team that works with investors. I would be very happy to let you know how we work. Please e-mail me at pattys@longandfoster.com.

I look ... more
0 votes Share Flag Sun Aug 7, 2011 Home Buying in Frederick
Nick Pakulla, Real Estate Pro in Rockville, MD
Nick Pakulla answered:
Question about the 51% owner occupancy guideline
If the HOA is setup as a condo you will need to meet the condo guidelines no matter what (and this also applies on a conventional 20% down loan). Effectively no one can get a loan in t ... more
0 votes Share Flag Tue Jan 29, 2013 Financing in Frederick
Cathy Chapman, Real Estate Pro in 21704
Cathy Chapman answered:
I have been looking at properties in North Crossing - Fieldstone, Harpers, etc. My wife and I would like to know if it is a 'safe'
Hi Bill,

I recommend you check with the police department and ask about crime statistics for this area if you have any concerns.

Cathy Chapman
Signature Home Sales
0 votes Share Flag Thu Dec 20, 2012 In My Neighborhood in Frederick
Christy L. F…, Real Estate Pro in Bowie, MD
Christy L. Fear answered:
I'm shopping around for the best rate on a 30-year fixed FHA loan. Do I have to apply for mortgages with multiple lenders to get accurate rates?
No you don't....Tenacity is a brokerage firm and I am able to do all of the work for you...you really don't want to have a ton of people pulling your credit etc...please give ... more
0 votes Share Flag Tue Jun 21, 2011 Home Buying in Frederick
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
We contracted with a builder to build a home using FHA financing.
You need to read your contract. If you had an appraisal and financing contingency in the contract and now you removed those contingencies your deposit is in jeopardy.

Contingencies ... more
0 votes Share Flag Tue Aug 2, 2011 Financing in Frederick
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