Friday, August 29, 2008

Owning Vs. Renting

There are many financial and personal reasons why you should own your own home rather than rent. The obvious reasons include pride of ownership, building your own equity instead of someone else's, no more landlords, and of course the tax benefits you reap. There are a multitude of other reasons why owning your own home can make your life better.

One of the most overlooked reasons for owning a home is the freedom you get once you have achieved this major goal in life. Many first-time homebuyers find that once they have bought a house, many other aspects of their personal life seem to fall in place. The security and piece of mind that come with home ownership is a great accomplishment in many people's lives, and once they have overcome the obstacles, they find that other goals they had set out to achieve become much easier to attain.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Thursday, August 28, 2008

A FEW POINTS ABOUT INTEREST RATES!!

Less is more! If you're new to investing or real estate and don't know the first thing about interest rates, here's a good tip: the higher the interest rate, the more expensive it's going to be. High interest rates mean you will have to pay back more on the money you borrow. Another good rule of thumb is that affordability increases if you use an adjustable rate mortgage (it's easier to qualify this way). Of course, there will be a wide range of prices that you can choose from, depending on what kind of financing you choose.

Not even the Fed knows for sure. The Fed holds a considerable amount of power, but they can't control everything. Mortgage interest rates are affected by many unpredictable political, economic and social events. So there is no guarantee what direction interest rates will go, despite the forecasts of the experts. Therefore, make your financial decision based on where things are today including your budget, your needs and your future plans.

Locking in rates assures you the lowest interest. If you do decide you want to lock in at a certain interest rate, you will need to complete a loan application and send it to your lender as soon as possible. This must be done so that your commitment doesn't runout before your loan is approved. Follow up and be be sure that the lender is receiving all of the necessary documentation. Get a property appraisal, which usually costs about $300, through your loan agent as soon as possible. Don't obsess and miss a good real estate deal, Although rising interest rates can create more problems for home buyers, waiting and hoping for low rates is not necessarily a smart move. You may end up paying a higher price. Also, refinancing is always an option in the event that interest rates come down.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Wednesday, August 27, 2008

Five Secrets to Buying the Best House for Your Money!

5. Stop Calling Ads!

Please note - ads are sometimes created to make the phone ring! Many of the homes have some drawback that's not mentioned in the ad, such as traffic noise, power lines, or litigation in the community. What's not mentioned in the ad is usually more important than what is. For this reason, I want you to be very careful when reading ads. Remember that the person writing the ad is representing the seller and not you! The most important thing you can do is have someone on your side looking out for your best interests. Your own agent will critique the property with an eye towards how well it meets your needs and will point out any drawbacks you should know about. So whether you decide to work with me or not, pick an agent you feel comfortable with and enlist the services of that agent as a buyer's broker. Then you become a client with all the rights, benefits, and privileges created by this agency relationship, and you're no longer just a shopper. Did you know that many homes are sold WITHOUT A SIGN ever going up or an AD EVER BEING PUT IN THE PAPER? These "great deals" go to those people who are committed to working with one agent. When an agent hears of a great buy, who do you think he's going to call? His client, who he has a legal obligation to work hard for, or someone who just called on the phone and said "keep your eyes open"? So to get the best buy on a property, I always recommend that you hire your own agent and stick with him or her.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Tuesday, August 26, 2008

Five Secrets to Buying the Best House for Your Money!

4. Don't Be rushed Into Any House.

Your agent should show you everything available that meets your requirements. Don't make a decision on a house until you feel that you've seen enough to pick the best one. A decade ago, homes were selling quickly, usually a few days after listing. In that kind of market, agents advised their clients to make an offer ON THE SPOT if they liked the house. That was good advice at the time. Today there isn't always this urgency, unless a home is drastically underpriced, and you'll know if it is. Don't forget to check into the SCHOOL DISTRICTS of the area you're considering. Information is available on every school; such as class sizes, % of students that go on to college, SAT scores, etc.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Monday, August 25, 2008

Five Secrets to Buying the Best House for Your Money!

3. If you're concerned that there is not a house on the market for you, then go on a window-shopping trip.

You can identify possible houses and locations without falling in love with a specific house. If you feel confident after that then put your house on the market. Another tactic is to make the sale "subject to seller finding suitable housing". Adding this phrase to the listing means that WHEN YOU DO FIND A BUYER, you will have some time to find the new place. If you don't find anything to your liking, you don't have to sell your present home. Play the Game of Nines before house hunting, make a list of things you want in the new place. Then make a list of the things you don't want. You can use this list as a guide to rate each property that you see. The one with the biggest score wins! This helps avoid confusion and keeps things in perspective when you're comparing dozens of homes. When house hunting, keep in mind the difference between "STYLE AND SUBSTANCE". The SUBSTANCE are things that cannot be changed such as the location, view, size of lot, noise in the area, school district, and floor plan. The STYLE represents easily changed surface finishes like carpet, wallpaper, color, and window coverings. Buy the house with good SUBSTANCE, because the STYLE can always be changed to match your tastes. I always recommend that you imagine each house as if it were vacant. Consider each house on its underlying merits, not the seller's decorating skills.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Friday, August 22, 2008

Five Secrets to Buying the Best House for Your Money!

2. Sell Your Property First, then Buy the House.

If you have a house to sell, sell it before selecting a house to buy! Contingency sales aren't nearly as strong as one that comes in with a ready, willing and able buyer. Consider this scenario: you've found the perfect house - now you have to go make an offer to the seller. You want the seller to reduce the price and wait until you sell your house. The seller figures that this is a risky deal, since he might pass up a buyer who DOESN'T have to sell a house while he's waiting for you. So he says OK, he'll do the contingency but it has to be a full price offer! You have now paid more for the house than you could have because of the contingency, and you have to sell your existing house in a hurry! Otherwise you lose the house! So to sell quickly you might take an offer that's lower than if you had more time. The bottom line is that buying before selling might cost you THOUSANDS of dollars.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Thursday, August 21, 2008

Five Secrets to Buying the Best House for Your Money!

1. Get "Pre-Approved" - Not "Pre-Qualified!"

Do you want to get the best property you can for the least amount of money? Then make sure you are in the strongest negotiating position possible. Price is only one element in the negotiations, and not necessarily the most important one. Often other terms, such as the strength of the buyer or the length of escrow, are critical to a seller. In years past, I always recommended that buyers get "pre-qualified" by a lender. This means that you spend a few minutes on the phone with a lender who asks you a few questions. Based on the answers, the lender pronounces you "pre-qualified" and issues a certificate that you can show to a seller. Sellers are aware that such certificates are WORTHLESS, and here's why! None of the information has been verified! Many times unknown problems can come to the surface! Some of the problems I've seen include recorded judgments, alimony payments due, glitches on the credit report due to any number of reasons both accurately and inaccurately, down payments that have not been in the clients' bank account long enough, etc. So the way to make the strongest offer today is to get "pre-approved". This happens AFTER all information has been checked and verified. You are actually APPROVED for the loan and the only loose end is the appraisal on the property. This process takes anywhere from a few days to a few weeks depending on your situation. It's VERY POWERFUL and a weapon I recommend all my clients have in their negotiating arsenal.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Wednesday, August 20, 2008

Finding the Right Real Estate Agent

10. Ask what things separate your agent from the competition.

Does your agent have a written 30-DAY MARKETING PLAN? Your agent should have effective advertising including 24/7-hour advertisement capability. Agents who have innovative marketing strategies will always outperform agents who rely on outdated techniques. Merely putting an ad in the newspaper no longer gets the job done. There are numerous ways to make your home available to the buying public, and be sure the agent uses every one of them to attract the largest pool of buyers.

Choose your agent wisely. Choose your agent by asking questions of him or her. Find out how knowledgeable they are about houses currently for sale in your price range and also of houses that have recently sold. Can your agent recommend a good lender that has the reputation of excellent customer service and low rates to assist your new buyer with financing? A good listing agent can get your house sold quickly at TOP DOLLAR and help you find a new home.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Tuesday, August 19, 2008

Finding the Right Real Estate Agent

9. Ask about which disclosure laws will =apply to you.

Your agent should help you with locating professional inspectors for the various mandatory home inspections required in your area. Create a home marketing file including a property fact sheet, a property transfer disclosure statement, pest control report, applicable study zone report, structural engineering report, property profile from the title company, plans for alterations or additions, and special equipment report for pools, spas, sprinklers and alarm systems. Your agent should handle all of these for you. Your agent should recommend getting all of this completed up front before your buyer steps into the picture. Not having these done in advance will only complicate the sale.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Monday, August 18, 2008

Finding the Right Real Estate Agent

8. Ask what the listing agreement entails, when the listing starts and ends, and what the fees are that you will have to pay.

Have your agent go over every detail in the listing agreement with you until you understand it completely. Be certain the beginning and expiration dates are on the agreement; a standard length of a listing can last three to six months depending on the market. Know exactly what fees you will pay and consider that cheaper is not always better. If the agent stands to make very little commission, you can be certain that he/she will not do the best to market your property effectively. Be careful of agents who offer to list for a lower commission; they will usually spend very little money or time marketing your home.

Fact: Many agents in the area will most likely not show and sell your house.
Fact: When many agents see that the commission has been reduced many will refuse to show your house.
Fact: What drives up the price buyers will pay for your house is for every potential buyer to see your house.
Fact: Houses listed by discount brokers generally stay on the market longer and sell at a lower price! Offering a full commission is part of selling your house for TOP DOLLAR.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Friday, August 15, 2008

Finding the Right Real Estate Agent

7. Review with your agent the comparable sold prices in your neighborhood to establish your asking price.

Pricing is one, if not the most critical, aspect of selling your home. Take great care in choosing an agent that understands proper pricing strategies. The selling price should attract potential buyers to your home, net you the most profit, and reflect the current market conditions and the overall condition of your home. Be realistic and avoid agents who will overprice just to get the listing. some agents will suggest a high dollar amount just to get you to list, while others will under price a home just so it will sell quickly.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Thursday, August 14, 2008

Finding the Right Real Estate Agent

6. Ask what type of schedule the agent has planned for open houses.

If the agent is merely putting a sign up on your lawn and holding open houses every Sunday, it will do little to sell your home. Look for an agent who has a developed marketing strategy to attract the best potential buyers to your open house. The open house should be just one part of a complete marketing system.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Wednesday, August 13, 2008

Finding the Right Real Estate Agent

5. Ask what type of supporting staff the agent employs.

By employing an assistant or staff to handle the details of their business, the agent can spend more time servicing your needs and showing your house to buyers. Make sure you know how much time the assistant will spend handling the sale of your home. It is fine if the assistant handles the legwork and paperwork as long as the agent is there at the most critical times of the transaction.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Finding the Right Real Estate Agent

5. Ask what type of supporting staff the agent employs.

By employing an assistant or staff to handle the details of their business, the agent can spend more time servicing your needs and showing your house to buyers. Make sure you know how much time the assistant will spend handling the sale of your home. It is fine if the assistant handles the legwork and paperwork as long as the agent is there at the most critical times of the transaction.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Tuesday, August 12, 2008

Finding the Right Real Estate Agent

4. Ask how long the agent has been selling real estate and what professional organizations he or she belongs to.

As mentioned previously, the length of time an agent has been in the industry is not a sure-fire sign that they are a quality agent. An agent with two years of experience may be a top producer while an agent who has been in the business for more than a decade may only sell real estate part time. Also, take into account what professional organizations your potential agent belongs to. At a minimum, they should be a licensed real estate agent that belongs to the local real estate board and multiple listing service as well as the state and National Association of REALTORs. Additionally, look for agents who belong to local community groups and associations such as the chamber of commerce; they will have better networking abilities and can find more potential buyers for your home.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Monday, August 11, 2008

Finding the Right Real Estate Agent

3. Ask how long it takes for the agent to sell a home on average compared to other agents in your area.

Just because an agent sells homes quickly doesn't necessarily mean they are selling them for top dollar. Look at what the asking price of the houses they have sold was as compared to the actual sales price. Ideally, your agent should sell homes quickly at or close to the asking price.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Friday, August 8, 2008

Finding the Right Real Estate Agent

2. A good listing agent will have experience at listing, marketing and selling homes.

Ask how many homes they have listed and sold in the past six months. Look for an agent with not just experience, but the track record that reflects that experience. Many agents boast that they have been in the industry for a long time, but may only have five or six sales a year. Your agent should have not just a good record of listing homes, but actually selling them. That is your ultimate goal.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Thursday, August 7, 2008

Finding the Right Real Estate Agent

1. Ask prospective agents to send some information about themselves.

You can often get a good idea about which agents are the most professional by looking at their personal marketing material. If they don't have professional marketing material, how will they market your home? Track how long each agent takes to respond to your request. If they don't respond quickly and efficiently, assume that this is also how they will handle the listing of your home.

For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Wednesday, August 6, 2008

Finding the Right Real Estate Agent

Most people only sell a small number of homes in their lifetime. With such limited experience, how do you expect to be capable of maximizing your profits from your home sale? Many sellers make the mistake of assuming that all real estate agents are the same and list with the first agent who comes along. Not taking the time to research the agent who will list your house could cost you thousands of dollars.

Start the process by doing a bit of legwork. Ask your friends, relatives, and co-workers for referrals to good agents. Also, drive around town and look for agents with the most signs posted, ads, and marketing material in the market. Interview two or three agents to find out which one is right for you.


For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Tuesday, August 5, 2008

What Happens After the Contract is Signed?

You've signed the contract and are looking forward to moving into your new home, but there are a few steps that cannot be overlooked. By following these easy steps, you will ensure yourself a smooth move into your new home.


First, get the home inspected. Arrange a time to return to the property for the inspection, typically a few days after the contract has been signed. A professionally licensed inspector will accompany you through the home and point out repairs or discrepancies if they exist. The seller will then be notified of these problems and will usually agree to take on the repairs.

Set up an appointment with your mortgage consultant and be prepared with the following financial statements: W-2 forms or signed tax forms for the past two years, copies of your most recent bank statements (current and consecutive for at least two months), copies of your most current pay stubs or proof of income if self-employed. Be prepared to pay an appraisal fee at this time if you have not already done so.

Work with your real estate agent to choose a title or settlement company for you and provide them with the necessary paperwork. The settlement company has the responsibility of making your transaction legal. They will do the title work, examine the survey, prepare mortgage documents and all the necessary closing paperwork. After the settlement, they will prepare packages for your mortgage lenders, accounting and title insurance, life documents with the county, and release escrow.

You will need to provide proof of homeowner's insurance at this time. You have the right to choose your own insurance company. If you have not selected one, work with your real estate agent for a referral to a reputable company.

Obtain certified funds for the settlement. The title company will be able to tell you a few days in advance the exact fees that will be due.

Conduct a final walk through of the home. Be sure to note any discrepancies from the home inspection that has already been completed. By taking the time to go through this process in a detailed and timely manner, your transition into your new home will be easy and stress-free! Now is also the time to transfer all the utilities into your name.


For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Monday, August 4, 2008

Who is a Buyer's Agent?

A real estate buyer's agent represents the consumer who is purchasing a property in the transaction. This agent owes full responsibility and loyalty to the homebuyer. He or she has solely the buyer's best interests in mind throughout the entire transaction process. The agent is compensated by the buyer through a negotiated fee or in some states by the commission based on the selling price of the property. It is important for the consumer to discuss the buyer agent's compensation and for the parties to agree to terms with a written contract prior to viewing properties. This agreement should detail the responsibilities of both parties throughout the process of buying a home. It should be noted that in some states legislation has been enacted to protect the buyer to the point that without a written agreement, the agent represents a seller throughout the entire transaction. Be sure to consult your real estate agent for complete details when you first start the search for purchasing any real estate property.

There are many benefits to using a buyer's agent. These agents will:

1. Evaluate the specific needs and wants of a homebuyer and locate properties that fit those specifications.
2. Assist the buyer in viewing properties and either accompany the client on the showings or preview the properties on behalf of the client to insure that the identified specifications are met.
3. Research the selected properties to identify any problems or issues to help the consumer in making an informed decision prior to making an appropriate offer on the property.
4. Present the offer to the seller's agent on behalf of the client.
5. Negotiate on behalf of the buyer to help obtain the property at the best possible price.
6. Review and explain all legal documents to their clients.
7. Recommend and assist in securing adequate financing.
8. Provide a list of potential qualified vendors such as movers, attorneys, home inspectors, etc.

Most importantly, when working with a buyer's agent, the homebuyer will know and trust that they are fully represented throughout the entire transaction process.


For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?

Friday, August 1, 2008

Know Your Credit Rating

Anyone who has ever had a bank account, mortgage, credit card, car loan, or account with a retail store will invariably have a credit rating. Most information in your credit rating comes from companies you have credit with, as well as from certain public records such as tax liens, bankruptcies, judgments and lawsuits. It is important to know and understand your credit rating, how the information is compiled, and how it affects your ability to acquire a loan for your new home.

Credit reports are usually divided into five sections:
1. Your credit history.
2. Who has reviewed your credit history.
3. Information you have provided for the credit company.
4. Specific identification information about you.
5. Explanatory notes and comments.

Different states have different requirements and it is important that you check on what applies to you. There are three major credit-reporting agencies, Trans Union, Experian and Equifax.

I can recommend a reputable mortgage lender who has the reputation of providing excellent service and good rates. This lender will be able to immediately pull your credit report for your review and can make recommendations of how to make it better. The better your credit score, the higher your credit rating will be.


For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com

Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?