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21239 : Real Estate Advice

  • All13
  • Local Info2
  • Home Buying3
  • Home Selling3
  • Market Conditions2

Activity 12
Sun Mar 26, 2017
Sif02 asked:
I recently purchased the house about three months ago and I'm interested in getting a home equity loan to finish out some home improvements. My house appraised about $12,000 more than…
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Mon Oct 3, 2016
Renee asked:
We had two mortgages (1st @ 7.55% and 2nd @ 9.7%). We refinanced and combined the two with no out of pocket cash. We want to move in 2 yrs.(retirement).
0 votes 0 Answers Share Flag
Fri Jan 15, 2016
Luke Myers answered:
The bank is going to want you to have some "skin in the game". While it may be possible to get all the closing credits that would pay for your out of pocket cost, the Bank will ultimately know that you are getting grants because the Bank or Lender is the one who approves the final Closing Statement.

All the money is going through the title company so they are going to let the bank know about and credits you are getting.
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Sat Feb 8, 2014
Tatyana Baytler answered:
Sue, I will prepare a value analysis report for your rental, just send me your basic info/ description. I am also investor myself, so can give you my tips and feedback. Contact me at 443-527-4375 and see my site: ... more
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Wed Jan 22, 2014
Jocelyn Rolle answered:
Hello. I just emailed a listing that matches your description. If this is not the property that you wanted to know about, I would be happy to refine the search with a little more detail from you. Please feel free to contact me with any questions that you might have. I look forward to hearing from you.

Kindest Regards,
Jocelyn Rolle
Prudential Homesale YWGC
53 W. Aylesbury Road
Timonium, MD 21093
410-561-0044 (Office)
410-561-0049 (Fax)
443-379-4582 (Cell)

DISCLAIMER: "E-mails sent or received shall neither constitute acceptance of conducting transactions via electronic means nor create a binding contract until and unless a written contract is signed by the parties."
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Sun Jan 19, 2014
Charles Bailey answered:
I'd suggest that you meet and interview 3 real estate agents. Choose the one that seems the best fit for you. Ask each one to bring a preliminary market analysis for your current home. These should be done at no expense to you! I'd be very happy to be one of those realtors that you interview. I can be reached at 301-996-2924 on cell. ... more
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Wed Mar 6, 2013
Roger Hughes answered:
I am not sure what the rules are about providing info about other agents online, but if you call me then I can tell you the names of the real estate professionals who listed and found the buyer for 1322 Limit. I don't see a sale for 1328 Limit Avenue in the MLS; the most recent listing was withdrawn without a sale. ... more
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Wed Mar 6, 2013
Roger Hughes answered:
The comparables depend so much on what the subject property is. If you are selling a 3 bedroom Idlewylde rowhouse then your comparables are quite different than if you have a detached home. If the home is renovated then the comparable home sales should not include distressed properties in poor condition. So give me some specifics about the property. Then I can give you very comparable comparables. Call me at 443-506-0656 or just update your post. ... more
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Wed Nov 28, 2012
Marlene Paisley answered:
Good Morning Reva,

This home is available for sale. The asking price is $205,000. It's a semi-detached 3BR 2.5BA home. Have you reviewed your buying power lately? The mortgage on this home can easily be less than renting. I'd love to learn more about your needs and advise on a good strategy to fit your needs. Feel free to call or e-mail me at 410-866-1170 or Hope this helps.

All Smiles,
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Tue Jun 23, 2009
Bonnie Cox answered:
Hello Baltimore Seller,

Like Chad answered, There will be quite a few things to consider:

1. How much you will have left over from the sale of your home to put down on the new one.
2. What monthly mortgage you will qualify for

The latter question will be answered by both your husband credit scores and yours. Chad laid it out nicely. You will either be paying higher interest rate including your credit information or . . .

You will be paying a lower interest rate, but a smaller loan amount using just your husband's credit.

Are you going FHA? Are you getting outside help with closing?

I have an agent who's customer had to go through an angel investor because he was self employed and his tax records showed less income then he actually had due to deductions. He didn't even qualify for a loan even though he could more than afford the home.

Banks DO take into consideration your income when determining how much you qualify for. However they put more weight on your debt to income ratio.

I would get a pre-qualification before you do anything . . . get one with and without your income/credit score included and go from there. Once you have that, you are armed and you can shop around.
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Mon Nov 3, 2008
Ashley Richardson answered:
You've probably seen my name around the neighborhood. I see some comps that others have offered, but it depends on how many bedrooms and baths you have. The one that sold recently had a seller concession of over $10,000 (meaning the seller paid part of the buyer's closing costs), so value was actually lower than the recorded sales price. And, each home is different and has a select group of buyers it attracts. As you know, the schoold district is strong. I'd be happy to talk to you over the phone, or meet. Values in real estate flucuate daily, as homes come on and off the market. As they sell, they become comps. But appraisers look at comparable sales only in the last 6 months or so, so neighborhood values can change. I hope to hear from you. Ashley Richardson ... more
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Mon May 26, 2008
Richard Peebles answered:
Donna, I see your question is a month old, and hopefuly you've sold by now. But as an experienced realtor in Towson area, I felt I shoud share my comments. This is in response to this question & your other question about foreclosures in 21239. Currently there are 101 homes for sale in 21239, in the last 90 days there has been 74 homes that went under contract and or sold & settled. That's not bad, certainly better than most areas. So priced right & in show condition it should sell. Good Luck. ... more
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