You might be a bit afraid or intimidated by the whole process of buying your first home. As top Columbia, Ellicott City, Silver Spring, Frederick, and every other Maryland County real estate experts, it's our job to guide you, from beginning to end.
We will take the time to go through each and every step of the buying process. There are no dumb questions!
Together, we will consider:
- How much can you really afford?
- How to qualify for a mortgage.
- How much cash you should put down.
- How to buy a home with little or nothing down.
- What it takes to get approved for financing. What banks and other financial institutions are looking for.
- How much your payments will be.
- The tax advantages of buying.
- Is renting or buying better for you?
Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.
We are Short Sale Experts!
What is a short sale? A short sale is an "arrangement" between the current owner of a home and the bank that lent them the money to buy their home to accept an offer for less than the total amount owed to pay off the home. The "deficiency" is the difference between the amount owed and what the bank collects at the short sale.
Although, the "arrangement" can take many different forms, there is no other definition of a short sale. I say this because many realtors and some investors simply throw the term around as if it meant "a sale under market value." No. A bank owned (foreclosed) house is not a short sale. A seller deciding to lower their price and take less profit is not a short sale. An old lady that owns her home free and clear, selling a $150k home for $75 k, IS NOT A SHORT SALE. For it to be a Short sale, someone must be getting "shorted." Either the seller, or the bank.
Most short sales arise when a seller owns more on their house than they can sell if for (upside down). The owner of the home then attempts to make an arragnement with their lender to sell the house for less than is owned.
Whether looking ofr a short sale or looking to short sell, we are the people you need.
- NUMBER1EXPERTS™ 
