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Anne Arundel County : Real Estate Advice

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  • Local Info3
  • Home Buying8
  • Home Selling1
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Activity 262
Thu Jul 12, 2012
Michele Monti answered:
I have a listing on Blackwell in Annapolis that is a PRE foreclosure. Feel free to contact me should you have any further questions. 410.841.8295... Michele.monti@cbmove.com
0 votes 2 answers Share Flag
Sat Jan 26, 2013
Brian Pakulla answered:
Here are two I recommend:

Town and Country
800.683.MOVE
Blair Parler

JK Moving & Storage, Inc
703.926.5804
Joe Pence (jpence@jkmoving.com)

I recommend Love of Learning Montessori Schools in Columbia, MD for preschool. It is fantastic. ... more
0 votes 9 answers Share Flag
Tue Mar 26, 2013
Vicky Chrisner answered:
It's neither unethical or illegal... and it just happened to one of my buyers and I was ticked.

In my opinion, it's not the best way to handle things. I tell everyone - if I am the listing agent in that case, I talk with my seller and say "Mr. Seller, we have a second offer - a better one - I think we should notify the first people who put in an offer and ask if they want to make any revisions to their offer, to give them an opportunity to make their highest and best offer. In my opinion, it's the best way for us to negotiate a stronger offer for you, and it has the side effect of feeling at least somewhat fair to the buyer." But, not every agent will do that... and not every seller will agree to it. I have had sellers who said "I don't want to mess around with the first people and lose the great offer we now have." As an agent I must obey the wishes of my seller. It's a contractual obligation.

The word "ethical" is thrown around wildly, but as it pertains to REALTORs, we have a strict ethical code, and it is not intuitive.... and that is why I say it is not unethical - I mean, it does not violate the ethical standards of our profession. That does not mean I think it's right or best.

I am sorry that it happened to you. If you love a property, but your best offer out there - if you play games you could lose the property. Even if you're not playing games, if someone else brings a better offer before you have a fully executed contract, well you could still lose the property.
... more
0 votes 15 answers Share Flag
Sat Jun 23, 2012
Kathy Hutchins answered:
I am very familiar with first time home buyer programs in Anne Arundel County- call me and I can go over the programs with you- then depending on where you want to live- I can work with you or refer you to a realtor that can work with you in a specific area. I just sold a house in So Arundel county near Deale and Shadyside that allowed the buyer to purchase with no money down. Reach out to me at 301-785-1995! ... more
0 votes 5 answers Share Flag
Sat Jun 23, 2012
answered:
I do exactly what you need. Many loan officers will say they can help. Some can, some can't. Talk is cheap. I say Google my name with the phrase how to fix your credit. I can also introduce you to Realtors and clients who will tell you what I have done for them. Shoot me an email at bmendelson@1stmarinerbank.com and we can take a look. Thanks ... more
0 votes 5 answers Share Flag
Sun Apr 7, 2013
Tracey Simms answered:
What type of work do you and your husband do?
0 votes 12 answers Share Flag
Sat Jun 23, 2012
Tim Moore answered:
Step #1 never changes and you can start there anytime. Go speak to a lender. Don't sign anything, don't pay anything, just go talk and get a preapproval. You just answer the questions about income, debt, jobs, etc. No credit checks, nothing but questions and answers at this stage. You can do this with several lenders to get ideas which you like and what their rates are.

After that comes step #2, find a Realtor you want to work with and start looking for what is available in you area to go see. 3 months or less should be about right if you are planning to move in 6 months. Good luck
... more
0 votes 3 answers Share Flag
Mon Jun 25, 2012
Shannon French answered:
We refer our clients to a proven & reputable credit specialist. Let me know if you'd like a referral. I'll share below what I've seen hundreds of our clients go through:

- Paying off any old debt that has gone into collections will DECREASE your score in the short term. We've had many of our clients be told by a lender "Pay this old cell phone bill that's reporting as a collection on your account" and when they did their scores immediately tanked anywhere from 10 to 50 points. I know it doesn't make sense, but I've seen it with my own eyes. How I understand it, the reason is because when you pay off that old bad debt, the payoff and re-reporting of the bad debt is now brought into recent status.
- only use 30% max of your credit line. So if you have any credit lines over this mark, pay them down.
- continue to use your credit lines so that monthly activity is reported, but again, keep the reported balance below 30%
- revolving credit lines (like a credit card) are better than installment credit (like auto loan) in terms of which lines impact your score the most.
- have at least 3 positive trade lines reporting to your credit. Now I would seek advice if this means you need to apply for and open up a new credit line.
- a secured card (which is typically easy to get) reports just like a regular credit card.

IMO, credit repair is a game and the rules are made by those that can benefit more from people having sub-par credit (i.e. higher interest rates) than excellent credit. Therefore don't rely on common sense or logic. Naturally and logically one would think "Hey, let me settle up on my old bad debt and that will improve my score", but unfortunately it does not work that way from what I've witnessed time and again.
... more
0 votes 6 answers Share Flag
Sun Jun 3, 2012
Scott Godzyk answered:
If it is a property listed, you should click on the listing agents profile and contact them directly. Trulia picks up listings form automatic feeds and does not place photos themselves. If the property is not listed, scroll down the page, click on help center and then contact customer service directly. They may not see your question here. ... more
0 votes 2 answers Share Flag
Thu May 31, 2012
Allan Erps answered:
Fri May 25, 2012
Maria Avellaneda answered:
My personal experience of Crownsville in general is that is a both a quiet and safe area. Though your definition of safe and quiet might be different from mine.Ii recommend visiting the area you are intereste in at different times and days to get a better feel for the area. Police reports can provide statistics about crime. Traffic is another issue some roads have heavier traffic than others.
Best of luck
... more
0 votes 1 answer Share Flag
Tue Sep 24, 2013
Michael Cheng answered:
Doing a rent-to-own deal can be very helpful in rebuilding your credit after a short sale and it lets you start working on the purchase of a home right away. If you're looking for one, my property manager up in Elk Grove would have good leads for you. ... more
0 votes 4 answers Share Flag
Thu May 17, 2012
Christina Yoon answered:
Hi Michele,

I see you are trying to plan ahead for home ownership! You are wise to plan ahead.

I get a lot of people asking me about rent to own homes. Basically, there are three contracts involved: the rental lease, the option, and the sales contract. Not just one, but THREE contracts are involved and its assumed that things go according to plan.....(things never go according to plan). Why lock yourself into three?

If you think the market values will increase, then perhaps this could be a wise course. But if market values decrease, then this would not be a practical approach.

My advice: find a rental...and take your time looking for the property you want to buy. If you happen to love the place you rent, then go for it! Just take things at a time....that's my advice.

Either way, I can email you properties available in Deale if you would like.
... more
0 votes 1 answer Share Flag
Fri May 4, 2012
Maria Avellaneda answered:
Sun Nov 18, 2012
Donna Thewes answered:
Rentals stay on the market for several reasons. There might be a large surplus of rental units in that area, the rent they are charging might not be similar to the others in the area as well as the condition of the property. Rentals can work in any area if you do your research.

I recently have been helping some renters look for homes in the 20724 area as well as buyers. It is a strong market if the property is priced right. Fort Meade is expanding. What it really comes down to is, what are you willing to spend, are you willing to be a good landlord and maintain your property and do you have a good property management company?
... more
0 votes 10 answers Share Flag
Mon Apr 30, 2012
The Roskelly Team answered:
Hi Michelle,

No address or property info. came through with your question. Let me know and I'll look it up for you.
0 votes 3 answers Share Flag
Thu Jan 17, 2013
Christina Yoon answered:
I'm not a lender, but YES. I am working with a buyer client who qualified for a 4.--% 30 yr fixed with 3.5% down. If you would like the referral from the loan officer we spoke with at Suntrust Bank, let me know! ... more
0 votes 11 answers Share Flag
Sun Jun 24, 2012
Charles Bailey answered:
You'll love Annapolis! I'd be happy too work with you! Will you be in town anytime before your move to look at rentals?
0 votes 12 answers Share Flag
Thu Apr 19, 2012
Rachel Best answered:
Hi there! Are you looking for a long term (1 year or more) or short term rental? There are lots of resources available & Annapolis is very pet oriented... While some Landlords might have a size limitation, if you can provide rental references showing that your pet has been a good 4 legged tenant you can ease their concerns :) Growing up with Great Danes & having 2 English Bull Terriers, I know what it's like!!! ... more
0 votes 5 answers Share Flag
Thu Jun 14, 2012
Richard Taylor answered:
Send me an email with your contact info and I will be happy to show you what is available: home@click3times.com

Rich Taylor
0 votes 8 answers Share Flag
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