Alaric Gothic

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crime report in cromwell bridge, 21234

Asked Wed Aug 20 2008, 13:37 by Sue - 21234 - Crime & Safety - 2 answers

Alaric Gothic answered:

CrimeReports.com has info on Baltimore county now.It is the best web site because they get all their info from police departments.Just make sure you look at where you live now and compare areas because sometimes people live in a very safe area and look at crime data and are surpised to see so many reports.A area may have alot of petty crime with no serious crime or just a very dense population which makes a area look bad.The worst areas for crimes anywhere are near and inside shopping malls and nobody lives there. - Thu Oct 23 2008, 13:52

i cant afford my morgatage

Asked Wed Oct 22 2008, 05:37 by Gkotarides - 21236 - Home Selling - 9 answers

Alaric Gothic answered:

It depends on how much you are underwater and if you have any assets to make up the difference.If you own say $10,000 more than the house is worth and have some money in savings,in the long run you are better to bite the bullet and bring a check to the closing table.Two checkbook closings were very common in the early 1990's and are a fact of life now in many areas.Just if as if you lost money in the stock market ,you take a loss and lick your wounds.However is you own alot say $50,0000 and have no assets,anything you do will affect you ability to own a home you want for the rest of your life.Can you move into the home and say lower your lifestyle but make the payments,then it is time to man/women up cut back on your expenenses and show some pride instead of what looks like an easy way out now.. - Thu Oct 23 2008, 13:46

what is the value of this home?

Asked Fri Oct 17 2008, 06:56 by Tom - 21403 - Home Buying - 2 answers

Alaric Gothic answered:

This use to be simple the value of any home is what someone is willing to pay for it.Now it is the value that someone is willing to lend a buyer to buy it,unless you find an idiot with cash who pays more than lending price,all homes are the same, the value is only known after a sale and that value applies to the buyer only.The reason we are in this housing mess is the mythiclogocial queastion you just asked ,people borrowed up to what some fantasy value a bank was willing to lend and now the myth is over.Your question itself is part of the housing problem and until people relearn the truth the housing bubble still will correct more. - Fri Oct 17 2008, 14:12

section 8 security deposit

Asked Thu Oct 16 2008, 19:07 by Jerry - Silver Spring - General Area - 4 answers

Alaric Gothic answered:

You have to realize who you are renting to and that a big security deposit might not be within a Section 8 renters means.Also they are petty smart sometimes and might want an escrow account at a bank that you have to pay the 4% percent interest (I am not sure it is still 4% in maryland) on these deposits if the renter is aware.Section 8's are for smart landlords who rent many properties not people renting out a house they can't sell,be careful. - Fri Oct 17 2008, 14:05

So has the panic selling in Maryland finally began?

Asked Wed Oct 15 2008, 15:10 by Alaric Gothic - Maryland - Market Conditions - 3 answers

Alaric Gothic answered:

After looking at some of the new listings I have noticed that they are mostly overpriced ,my guess is they are listing their home for what they own on it and since the possialbity of selling is low they will just have to keep on making payments and tough it out.I wish agents would not take listings for over-price properties but with so many of them out there eventually someone will take a listing only hopiing to convince the seller in lowering their price instead of being honest up front,still their are alot of listings coming on the market for this time of year so something is up. - Thu Oct 16 2008, 14:14

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