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Home Buying in 21117 : Real Estate Advice

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  • Local Info3
  • Home Buying20
  • Home Selling0
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Activity 19
Sun May 28, 2017
Kathy Burgreen answered:
The issue is did you sign a contract yet? If yes, you cannot make any changes because that would have to be negotiated and written into the contract. If you have NOT signed a contract yet, you need to negotiate hard for everything.

Did you bring your own realtor to the first visit or are you using the builder's sales agent? If you are using the builder's sales agent, you just made a HUGE mistake. The sales agent works for the builder - not you and will not do you any favors to benefit you. Everything they do is to benefit the builder. Watch your back.
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Tue May 10, 2016
Bruno Tarquinii answered:
Hi Ryan, I hope you were able to find your perfect home. If you happy to still be on the market by chance feel free to reach out to me. Would be happy to help!

All the best!
0 votes 1 answer Share Flag
Tue May 10, 2016
Bruno Tarquinii answered:
Tue May 10, 2016
Bruno Tarquinii answered:
I completely agree with Kay-Marie. Going with your own Realtor representation is similar to going into court with your own attorney in that your representative will do everything they can to get you the best deal and best bargain for what you seek. Better to come prepared with a specialist who is used to the negotiation process and well equipped to have your best interest at heart.

All the best and if you need assistance, feel free to reach out to me.

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Sun Jan 10, 2016
Alysse Musgrave answered:
Yes, you can. But be careful not to take out your money too soon. You must use the IRA funds within 120 days of withdrawal.

Don't Let Them Make a Monkey Out of You! Follow the links below.

Alysse Musgrave
Consumer Advocate
Exclusive Buyer Agent

Best selling author of Buying a Home: Don't Let Them Make a Monkey Out of You! US, Texas, and Spanish versions available.
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Wed Jan 28, 2015
USMortgageRanger answered:
There are a few questions that comes to mind as a Lender when the seller is insisting what loan you should used. What is the seller hiding that will not past FHA stick guideline? Yes i do have a Conventional loan that requires just 3% down vs the 3.5% down on FHA. I would demand that the seller pay 3% of your closing cost since they are requesting conventional loan. And by all means get a through inspection including the roof life.

I recognize that you are very busy, so I am only asking you to spend 6 minutes with me to discuss your needs so we can determine if we can be of service to you. After answering just a few simple non-credit related questions (I do not need to pull your credit report in advance) I will be able to email you some options that will allow you to immediately determine if we are the right choice for you and your family.
Please give me a call to make your dreams a REALITY.

Lowell Sterling
Mortgage Banker
NMLS# 968898
The Federal Savings Bank
Mobile: 469-347-3572
Direct: 512-717-0403
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Wed Dec 3, 2014
Tanya Ess-Young answered:
Yes. This question however would need to be presented directly to a lender with your financial documentation in order for them to review it and present you both with a pre-qualification letter. You can contact a lender via various banking institutions or can have one recommended to you by an agent in your area. ... more
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Sat Aug 2, 2014
Denise Harper answered:
Tollgate does not have HOA fees, although we do have an action group. There is NO Big Brother to tell you what kind of a mailbox you can have. It's a nice neighborhood.
0 votes 2 answers Share Flag
Fri Apr 18, 2014
Eunice Melvin answered:
You're on the right track. We have an in-house credit consultant to help you as well as grant sources. Give me a call.
0 votes 7 answers Share Flag
Fri Sep 6, 2013
Don Tepper answered:

Assuming you can make the payments--have a steady job, not in trouble with the law--and have a reasonable up-front option fee, many investors would love to work with you.

Here's a link to a blog I wrote on how to find lease-option properties:

Hope that helps.
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Fri May 24, 2013
Calvanaugh Hoskins answered:
I can review your credit and counsel you on the exact steps you need to improve your credit.

Also FHA has loan limits, however those limits are expanded for specific High Costs counties.

I would need to know what county you are purchasing in, so that I can look it up to see what the loan limit is.

You appear to me to be able to realistically qualify to purchase a home.
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Fri Apr 19, 2013
Joseph answered:

I don't know if you found your dream home but I work locally in my home office in Owings Mills MD and Office in Columbia MD. I can assist you in getting that home of your dreams please call me 443-303-7573 we have programs to help everyone and if we cannot help you we will work with you to your ready. Rates are really good right now!!!!


Thanks Joseph

Joseph A. Ray
Mortgage Broker
Branch Manager NMLS # 204912
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0 votes 6 answers Share Flag
Mon May 14, 2012
Lisa Scott answered:
I have worked with several homeownes in similar situations. Your options will vary depending on your actual cirmustances. Feel free to give me a call to discuss your specific situation.

Lisa Miller Scott
Sellstate Dominion Realty
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Wed Jan 25, 2012
Paul Miller answered:
Some good responses from the previous anwsers. You should be represented by any real estate agent as first time home buyers. There are many situations that come up when going through the process of purchasing a home. Let me know if I can help you with anything.

Paul Miller
Pinnacle Real Esate Company
Timonium, MD 21093
410-960-6820 cell
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Thu Jan 12, 2012
Greg Myers answered:
Go ahead and submit a "back up" offer to the short sale. You offer should be structured so the time frames on financing, home inspection even your earnest money deposit should not begin until you have received signed acceptance letters by the banks envolved.

Untill your receive the banks short sale approval letters signed by the sellers you are free to shop for another home. If you do find another will need to "Nulify" the short sale contract.

Greg Myers
Re/Max Realty Group
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Thu Jan 12, 2012
Eric Lewis answered:
I would be happy to help you in your search. Please give me a call and I will get some more information from you and we can start looking.
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Fri Sep 10, 2010
Paul Moffett answered:
You cannot really put much into the tax assessment,many people contest them to get taxes reduced.
The best thing to go by is your appraisel.That is also just a picture in time but as of when its done it gives you a strong indication of your new homes current market.
have a great day,
Remax Advantage
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Tue Aug 17, 2010
Secret Agent answered:
your offer was 20% lower than list. let me give you a few facts

i did a simple search so that i could speak fact instead of fiction. here are the legit numbers. you are in columbia. you are looking for three seventy five list price. i searched by price, area and timethree fifty to four hundred single family homes and over the last six months here is a fact 48 properties meeting the stated criteria sold for a total of 96.5 percent of list price at time of sale. the average subsidy given to a buyer from seller is 6,121.

your agents suggestion was about 88% of list and 8percent lower than average sold price to list price ratio. your agnet made a good suggestion.
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Sun May 25, 2008
Richard Peebles answered:
Bhavesh, If you're question is based on whether to buy a house now or not. The answer is - if are you planning to stay in the property for the next 5-years (the national average), then YES buy. Real estate is the best investment you can make, like blue chip stocks it will on average always appreciate in value. With this buyers market we are currently in their are some amazing opportunites available - buy below market value - have the seller pay all your closing costs - $1,900 total cash needed.
Conversely, if you already own a house and are just wondering about your investment, in general my answer applys as well. As far as new highways, malls, etc, call the Baltimore County Dept of Planning & zoning in Towson. Hope this answers your question.
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