Today's Mortgage Rates: January 26, 2009

40 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 7.375%

                    APR: 7.589%

        MONTHLY PAYMENT: $940.84

           PAYMENT TERM: 40 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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30 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.25%

                    APR: 5.466%

        MONTHLY PAYMENT: $800.70

           PAYMENT TERM: 30 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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20 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.625%

                    APR: 5.922%

        MONTHLY PAYMENT: $1,007.71

           PAYMENT TERM: 20 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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15 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.125%

                    APR: 5.494%

        MONTHLY PAYMENT: $1,156.12

           PAYMENT TERM: 15 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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30 YEAR FIXED (FHA)

          INTEREST RATE: 5.5%

                    APR: 6.170%

        MONTHLY PAYMENT: $941.16

           PAYMENT TERM: 30 YEARS

            LOAN AMOUNT: $151,000

PREPAID FINANCE CHARGES: $1,700

           DOWN PAYMENT: 3.5%

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For More Valuable Real Estate Information visit:
http://freereports.annapolishomes4you.com/

Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc.
410-224-0660
www.AnnapolisHomes4You.com
PatOgle@AnnapolisHomes4You.com

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

Absorption Study

Pat Savani posted this on Absorption Studies.

Pricing property in an uncertain economic environment is a challenge. An absorption study is a valuable tool in helping to competitively position your listing in the marketplace. The study is often used to...

For More Valuable Real Estate Information visit:
http://freereports.annapolishomes4you.com/

Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc.
410-224-0660
www.AnnapolisHomes4You.com
PatOgle@AnnapolisHomes4You.com

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

I just added another great link to my blog (music not RE) http://ping.fm/FYk6x

This is a must listen to ... I thought you would like to hear this

I got this from an e-mail that was sent to me, get a load of these high school kids singing.  At the conclusion, listen to the high notes on the trumpet, played by a high school kid!  One of the fathers recorded it, added some graphic enhancements to the recording, and posted it on the web. 

The song, of course, is the   ' Battle Hymn Of The Republic.' 

Be prepared  - it could send a few shivers up your spine.    

Click Here:

Focus on Affordability

My friend Pat Savani just posted a great artle on "Focus on Affordability" As rates hover below 6% the affordability index for the buyer improves and with a buy down the rates drop ...click here for more...

For More Valuable Real Estate Information visit:
http://freereports.annapolishomes4you.com/

Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc.
410-224-0660
www.AnnapolisHomes4You.com
PatOgle@AnnapolisHomes4You.com

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

Today's Rates: January 23, 2009

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40 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 7.375%

                    APR: 7.589%

        MONTHLY PAYMENT: $940.84

           PAYMENT TERM: 40 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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30 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.5%

                    APR: 5.719%

        MONTHLY PAYMENT: $823.30

           PAYMENT TERM: 30 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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20 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.625%

                    APR: 5.922%

        MONTHLY PAYMENT: $1,007.71

           PAYMENT TERM: 20 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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15 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.25%

                    APR: 5.620%

        MONTHLY PAYMENT: $1,165.63

           PAYMENT TERM: 15 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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30 YEAR FIXED (FHA)

          INTEREST RATE: 5.5%

                    APR: 6.170%

        MONTHLY PAYMENT: $941.16

           PAYMENT TERM: 30 YEARS

            LOAN AMOUNT: $151,000

PREPAID FINANCE CHARGES: $1,700

           DOWN PAYMENT: 3.5%

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For More Valuable Real Estate Information visit:
http://freereports.annapolishomes4you.com/

Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc.
410-224-0660
www.AnnapolisHomes4You.com
PatOgle@AnnapolisHomes4You.com

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

Today's Rates: January 19, 2009

Rates still look Good!

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40 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 7.375%

                    APR: 7.589%

        MONTHLY PAYMENT: $940.84

           PAYMENT TERM: 40 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

-----------------------------------------------------------------

30 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.25%

                    APR: 5.466%

        MONTHLY PAYMENT: $800.70

           PAYMENT TERM: 30 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

-----------------------------------------------------------------

20 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.625%

                    APR: 5.922%

        MONTHLY PAYMENT: $1,007.71

           PAYMENT TERM: 20 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

-----------------------------------------------------------------

15 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.125%

                    APR: 5.494%

        MONTHLY PAYMENT: $1,156.12

           PAYMENT TERM: 15 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

-----------------------------------------------------------------

30 YEAR FIXED (FHA)

          INTEREST RATE: 5.5%

                    APR: 6.170%

        MONTHLY PAYMENT: $941.16

           PAYMENT TERM: 30 YEARS

            LOAN AMOUNT: $151,000

PREPAID FINANCE CHARGES: $1,700

     DOWN PAYMENT: 3.5%

-----------------------------------------------------------------

For More Valuable Real Estate Information visit:
http://freereports.annapolishomes4you.com/

Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc.
410-224-0660
www.AnnapolisHomes4You.com
PatOgle@AnnapolisHomes4You.com

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

I Just added a link to a great post on "Maximize purchasing power with a buy down" stop by my blog http://ping.fm/FKIxK

Maximize purchasing power with a buy down

My Friend Patricia Savani Just posted this great article.

In Maryland as with much of the country we have an over supply of inventory but now low interest rates may help us move our inventory. Maryland in spite of the negative national economic news still enjoys unemployment below the national trends with a rate of less than 6%. Maryland's major employers are the federal government, defense contractors, healthcare and education. Maryland for the 2nd year in a row was rated the richest state in the nation in 2008..... Check here for the rest 

For More Valuable Real Estate Information visit:
http://freereports.annapolishomes4you.com/

Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc.
410-224-0660
www.AnnapolisHomes4You.com
PatOgle@AnnapolisHomes4You.com

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

Mistakes Sellers Make

Mistake #8: Not working with a professional, full-time REALTOR®.

Want to sell your house quickly and for top dollar? Choose your agent wisely. Working with a full-time professional real estate agent is a must. Choose your agent by asking questions of him or her. Ask if they have a 30-DAY MARKETING PLAN to sell your house.

Choosing Your Agent Wisely:Any agent will show enthusiasm and will want to list your house for sale but choose your agent based upon

A. Experience at listing and marketing houses for sale.

B. Ability to use technology to market your house world wide to Buyers 24/7.

C. Reviewing with you a comprehensive Marketing Analysis of home sales in your area.

D. Ability to offer a written detailed 30-DAY MARKETING PLAN that will get your house sold at the highest possible price.

Working with a full-time professional real estate agent is a must. 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
www.AnnapolisHomes4You.com
PatOgle@AnnapolisHomes4You.com

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

Mistakes Sellers Make

Mistake #7: Not planning your move early in the process of selling your home.

Keep in mind that moving can be overwhelming when not planned properly. Consider renting a storage facility for items not important for everyday living because that will also reduce clutter when showing your home. Take accurate inventories of what you have to move snd label things clearly so that you don't waste time in your new home going through box after box. Keep a file with all receipts for expenses occurred during the move, as many of these will be tax deductible. Be sure you have all these steps in place far in advance of the actual move date so you aren't running around at the last minute while trying to complete the sale 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
www.AnnapolisHomes4You.com
PatOgle@AnnapolisHomes4You.com

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

Mistakes Sellers Make

Mistake #6: Not pricing your home correctly.

This is an important step in the proper marketing of your property and an aspect that a highly skilled REALTOR® should take charge of. Listing the home at too expensive a price can lead to reduced showings. Pricing too low could lose 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
www.AnnapolisHomes4You.com
PatOgle@AnnapolisHomes4You.com

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

Mortgage Rates for the weekend of 1/17/09

Here are the rates for this weekend:
Conventional 30 year Fixed: 5.000 % 1.125 Pts Apr: 5.4917
5.250 % 0.625 Pts Apr: 5.7075
FHA\Va 30 Year Fixed: 5.000 % 0.750 Pts Apr: 5.5768
5.500 % 0.000 Pts Apr: 6.0268

Lewis H. Ivey III
Mortgage Consultant
Champion Realty Mortgage
MAC M4018-011
711 Bestgate Rd
Annapolis, Md. 21401
410.224.7134 Tel
410.224.3542 Fax
301.602.2536 Cell
lewisivey@championrealtymortgage.com
https://www.homeloans.com/wfhm/lewish-iveyiii

For More Valuable Real Estate Information visit:
http://freereports.annapolishomes4you.com/

Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc.
410-224-0660
www.AnnapolisHomes4You.com
PatOgle@AnnapolisHomes4You.com

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

I just posted another great entry on my blog. Check it out at annapolishomes4you.blogspot.com.

Mistakes Sellers Make

Mistake #5: Believing you must be present for every showing of the home.

Many Sellers feel they must be an active part of every showing, not realizing that this can actually work against them. It's best to let your professional real estate agent handle bringing potential buyers through the house on their own. Buyers generally feel more comfortable to speak freely about the house when they are working only with their REALTOR®, whom they know and trust.

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?

Mistakes Sellers Make

Mistake #4: Ignoring health and safety issues.

Be straightforward and tell your REALTOR® about any problems with the property. Bear in mind that these problems will likely be discovered down the line, and it's best to take care of them before they become disputes or lawsuits. Note any potential safety hazards and pay attention to environmental concerns.


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?

Mistakes Sellers Make

Mistake #3: Taking for granted the exterior of your house (curb appeal).

When preparing to sell your home, take the time to consider that first impressions count. It's very easy for someone about to spend or invest hundreds of thousands of dollars to make a snap decision not to go in when the outside appearance of the property is shabby. Ask your REALTOR® for advice in making your home the most attractive for people merely driving by as well as those who come for showings or open houses.


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?

Home Buyers ALERT!!

If you are considering purchasing a home I have an important Interest Rate Alert for you!

As a result of the economic recovery we currently have 30 year fixed rates as low as 3.75 per cent, the lowest since 1948, enabling you to afford more home for less money.

You will not see rates this low again in your life time.

So don’t delay, contact me for an affordability spread sheet today!

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

Pat Ogle, Associate Broker, REALTOR®

410.224.0660 (O) 443.569.2736 (C)

e-Mail PatOgle@AnnapolisHomes4You.com

Visit www.AnnapolisHomes4You.com

Blog AnnapolisHomes4You.blogspot.com

P.S. We offer our clients $1,100.00 in closing help.

If you would like a complete list of Foreclosure Homes in Maryland, updated daily, please give us a call at 410-224-0660.

Today's Rates: January 13, 2009

40 YEAR FIXED (CONFORMING LOAN RATE)

INTEREST RATE: 7.25%

APR: 7.462%

MONTHLY PAYMENT: $927.53

PAYMENT TERM: 40 YEARS

LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

DOWN PAYMENT: 20%

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30 YEAR FIXED (CONFORMING LOAN RATE)

INTEREST RATE: 4.875%

APR: 5.086%

MONTHLY PAYMENT: $767.36

PAYMENT TERM: 30 YEARS

LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

DOWN PAYMENT: 20%

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20 YEAR FIXED (CONFORMING LOAN RATE)

INTEREST RATE: 5.125%

APR: 5.416%

MONTHLY PAYMENT: $966.98

PAYMENT TERM: 20 YEARS

LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

DOWN PAYMENT: 20%

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15 YEAR FIXED (CONFORMING LOAN RATE)

INTEREST RATE: 4.75%

APR: 5.115%

MONTHLY PAYMENT: $1,127.86

PAYMENT TERM: 15 YEARS

LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

DOWN PAYMENT: 20%

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30 YEAR FIXED (FHA)

INTEREST RATE: 5.0%

APR: 5.645%

MONTHLY PAYMENT: $893.53

PAYMENT TERM: 30 YEARS

LOAN AMOUNT: $151,000

PREPAID FINANCE CHARGES: $1,700

DOWN PAYMENT: 3.5%

Mistakes Sellers Make

Mistake #2: Poor Marketing.
When selling your home, odds are the perfect buyer for your home isn't going to just casually stroll through the front door by chance. More likely is that you will have to bring the home to the perfect buyer. A highly effective marketing strategy must be in place to ensure your house is receiving maximum exposure in the market place. Be sure to work with a REALTOR® who provides 24/7 hour-a-day marketing via the Internet and a free information call hotline.

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?

Today's Rates: January 12, 2009

40 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 7.25%

                    APR: 7.462%

        MONTHLY PAYMENT: $927.53

           PAYMENT TERM: 40 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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30 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 4.75%

                    APR: 4.960%

        MONTHLY PAYMENT: $756.39

           PAYMENT TERM: 30 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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20 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.0%

                    APR: 5.289%

        MONTHLY PAYMENT: $956.94

           PAYMENT TERM: 20 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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15 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 4.75%

                    APR: 5.115%

        MONTHLY PAYMENT: $1,127.86

           PAYMENT TERM: 15 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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30 YEAR FIXED (FHA)

          INTEREST RATE: 5.0%

                    APR: 5.645%

        MONTHLY PAYMENT: $893.53

           PAYMENT TERM: 30 YEARS

            LOAN AMOUNT: $151,000

PREPAID FINANCE CHARGES: $1,700

           DOWN PAYMENT: 3.5%

Ah another great day here in the land of pleasant living. I am at the office if anyone wants to give me a call. Have a great day.

Mistakes Sellers Make

Mistake #1: Seeing your property through the eyes of the buyer; forgetting what you would want to see if you were buying the home.

Although people are of all backgrounds and personalities, there are some common traits among all home shoppers. One of these traits is the desire to see something they are about to spend a great amount of money on being in perfect condition. This means a thorough cleaning and removing everything not vitally necessary to live with from the home. Buyers will be picky, so you too must be picky in cleaning - don't miss a spot.

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

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?

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?

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?

Today's Rates: January 08, 2009

40 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 7.125%
APR: 7.335%
MONTHLY PAYMENT: $914.28
PAYMENT TERM: 40 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
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30 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 4.75%
APR: 4.960%
MONTHLY PAYMENT: $756.39
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
20 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 5.0%
APR: 5.289%
MONTHLY PAYMENT: $956.94
PAYMENT TERM: 20 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
15 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 4.5%
APR: 4.862%
MONTHLY PAYMENT: $1,109.25
PAYMENT TERM: 15 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
30 YEAR FIXED (FHA)
INTEREST RATE: 5.0%
APR: 5.645%
MONTHLY PAYMENT: $893.53
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $151,000
PREPAID FINANCE CHARGES: $1,700
DOWN PAYMENT: 3.5%
-----------------------------------------------------------------

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?

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?

Today's Rates: January 02, 2009

40 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 7.375%
APR: 7.589%
MONTHLY PAYMENT: $940.84
PAYMENT TERM: 40 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
30 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 5.375%
APR: 5.593%
MONTHLY PAYMENT: $811.96
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
20 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 5.625%
APR: 5.922%
MONTHLY PAYMENT: $1,007.71
PAYMENT TERM: 20 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
15 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 5.0%
APR: 5.368%
MONTHLY PAYMENT: $1,146.66
PAYMENT TERM: 15 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
30 YEAR FIXED (FHA)
INTEREST RATE: 6.0%
APR: 6.696%
MONTHLY PAYMENT: $989.98
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $151,000
PREPAID FINANCE CHARGES: $1,700
DOWN PAYMENT: 3.5%
-----------------------------------------------------------------

Thanks to Jamison Mullen

Home Mortgage Consultant

Champion Realty Mortgage

Office: 410-224-0600

Fax: 410-224-0632

Mobile 443-852-0519

Contact Us: https://www.benefits-mortgage.com/affinity/contactUs.wfm?suffix=jamison-mullen

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

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?

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?

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?

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.

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?

Understanding Credit Reports

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. Your REALTOR® 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. Choose your agent wisely. Working with a full-time professional real estate agent is a must. Ask questions of your agent. Find out how knowledgeable he or she is 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? Does your agent ask questions of you to have a full understanding of what you are looking for to help you get the most home for the money?

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?