Welcome to my blog - The Annapolis MD Real Estate Specialist

The Annapolis MD Real Estate Specialist

With 25-Years Experience Selling Real Estate and Homes for Sale in Annapolis, Anne Arundel County, Eastern Shore and the Chesapeake Bay area of Maryland,

 Loyalty, Commitment And Excellence In All That We Do!

We guarantee to sell your waterfront home in 60 days or less!

Annapolis Real Estate and Relocation, Anne Arundel County, Eastern Shore Homes For Sale,and Properties in the Surrounding Counties of Maryland

Welcome to AnnapolisHomes4You,BlogSpot.com your source for real estate information on buying and selling real estate property and more!

At AnnapolisHomes4You,BlogSpot.com you can find information on local schools, weather, local information, links and other local resources for the Annapolis area and its surrounding communities.

Pat Ogle of Champion Realty, Inc, can assist you with a variety of real estate services, such as assisting buyers to find their next Annapolis real estate property or Annapolis home, and assisting sellers in selling their Annapolis home or Annapolis real estate property and getting the most for their Annapolis real estate property.

Are you looking to buy Annapolis real estate? Are you looking for something particular? Please let us assist you find your next Annapolis home by completing our VIP Home Request form. We will send you listings that match your criteria as soon as we get them.

Are you selling real estate in Annapolis? Need to know how much your home or real estate property is worth? Feel free to request a FREE Home Value Request. Tell us a little about your Annapolis home or real estate property and we will let you know how much you can expect to earn from your property.

Buying or selling your next Annapolis home or Annapolis real estate property can be the single the most important transaction in your life, therefore it is important you work with someone who has the experience, professional expertise and integrity to make your next Annapolis real estate transaction pleasurable and stress-free.

If you have further questions about the Annapolis area or Annapolis real estate markets, please don't hesitate to call Pat Ogle at 410-224-0660 or send an email. .

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

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986
Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
(800) 847-9990 (O) 410-224-0660 (D) 443.569.2736 (C)
A HomeServices Of America Company
A Member Of The Berkshire-Hathaway Family Of Companies
e-Mail PatOgle@AnnapolisHomes4You.com
Visit http://www.annapolishomes4you.com/
Visit http://www.annapolisrealestatehomesforsale.com/
Visit http://annapolishomesforsale.tv/
Blog AnnapolisHomes4You.blogspot.com

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Using Native Plants in Landscaping

Here is so information from my monthy e-News Letter

Native plants are plants that have adapted to the geography, rainfall levels, and climate of a particular region. Native plants occur in communities, that is, they have evolved together with other plants. As a result, a community of native plants provides habitat for a variety of native wildlife species such as songbirds and butterflies. Who doesn't like those?

The reason you might want to consider incorporating native plants into your landscape is that they provide a beautiful, hardy, drought resistant, low maintenance area to your landscape, while benefiting the environment. Native plants, once established, save time and money by eliminating or significantly reducing the need for fertilizers, pesticides, water, and lawnmowers.

Which plants attract birds and butterflies?

For song birds: sunflowers, blazing star, white prairie clover, compass plant, prairie dock, big bluestem, downy serviceberry, hackberry, dogwood, juniper, elderberry, and hawthorn.

For hummingbirds: columbine, jewelweed, native phlox, native honey-suckle, and cardinal flower.

For butterflies: milkweed, aster, purple cone-flower, blazing star, native phlox, black-eyed Susan, dogbane, New Jersey tea, coreopsis, joe-pye weed, goldenrod, vervain, and ironweed.

Useful native plant info links:
• Wild Ones Natural Landscapers is a 23-year-old non-profit organization devoted to restoring native ecologies and promoting environmentally sensitive horticultural practices.
• The Ladybird Johnson Wildflower Center has a comprehensive list of resources for every state.
• National Wildlife Federation Backyard Wildlife Habitat Program tells the basics for starting a backyard wildlife habitat.
• The Environmental Protection Agency's Green Landscaping site has information about reducing energy consumption through the use of native plant landscapes.
• Ken Robertson's write-up on the tallgrass prairie of Illinois features excellent photos of many dry prairie species.
• There's lots of info about milkweeds at the Monarch Watch site.

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

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986
Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
(800) 847-9990 (O)  410-224-0660 (D)  443.569.2736 (C)
A HomeServices Of America Company
A Member Of The Berkshire-Hathaway Family Of Companies
e-Mail PatOgle@AnnapolisHomes4You.com
Visit http://www.annapolishomes4you.com/
Visit http://www.annapolisrealestatehomesforsale.com/
Visit http://annapolishomesforsale.tv/
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!

Saving Thousands When You Buy Your Home!

Buying a home is a great investment, possibly the largest investment you will ever make, so it seems logical that you would want to invest your money wisely when the time comes to purchase a new home. The following report will tell you simple but often-overlooked procedures that will allow you to maximize the dollars you spend on your new home.

Most homebuyers have two primary considerations when they start looking for a home. First, you want it to meet your needs and desires, and secondly, you want to get the best buy possible to obtain your new home. Successful homebuyers emerge from a sale with the features they want in their new home at the best price available in the market.

For starters, you must know what you are looking for in a home. You must have a list of needs as well as a list of desires, but be sure when choosing the actual home that you go with the one that fulfills most of your needs. It is not uncommon for someone to start out with very specific needs and wants but fall in love with a home offering different features. Ideally a house will come along that has all of your needs and desires, but sometimes that doesn't occur. Be careful not to get caught up in the excitement of home shopping and end up with a home that is not as close to perfect as possible.

You should be pre-approved for a loan by a professional mortgage lender. By understanding what you can afford, you will not spend time looking for homes that are out of your price range. You also need to understand the various financial aspects of the sale, from whether to spend more up front or make a smaller down payment and work with a larger loan. There are several costs to consider in the process of buying a home. Your REALTOR® can recommend a reputable mortgage lender who has the reputation of providing excellent service and good rates.

Choose your Agent wisely. Any agent will show enthusiasm and will want to help you locate your new home; they need
A. Experience at assisting buyers in locating the best home.
B. Ability to use technology to search the market thoroughly.
C. To review with you comparable home sales in the area you choose.
D. Information pertaining to new homes coming on the market that other agents do not know of.

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/

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®
Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
(800) 847-9990 (O) 410-224-0660 (D) 443.569.2736 (C)
e-Mail PatOgle@AnnapolisHomes4You.com
Visit http://www.annapolishomes4you.com/
Visit http://www.annapolisrealestatehomesforsale.com/
Visit http://www.annapolishomesforsale.tv/
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!

Money-Saving Tips for Your Home

Thinking of saving money, according to the Alliance to Save Energy, Department of Energy and Environmental Protection Agency, American consumers and businesses spend some $21 billion annually, on lighting alone, and could cut their costs in half with energy-efficient light bulbs and fixtures while improving the environment. Installing efficient lighting in American homes and businesses would reduce carbon dioxide emissions by 140 million tons each year--as much as eliminating all the carbon dioxide produced by the state of New Jersey! Isn't that amazing?We found a website (sponsored by the EPA and the DOE) that shows how to save money on energy bills by incorporating their energy efficiency suggestions. It's http://hes.lbl.gov/.

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

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986
Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
(800) 847-9990 (O)  410-224-0660 (D)  443.569.2736 (C)
e-Mail PatOgle@AnnapolisHomes4You.com
Visit http://www.annapolishomes4you.com/
Visit http://www.annapolisrealestatehomesforsale.com/
Visit http://www.annapolishomesforsale.tv/
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!

Renn Fest

It's that time of year again here in Annapolis. The Renaissance Festival is in full swing. This actually starts in late August and runs every weekend until the end of October. Click the title of this post for a link to their website. You will find lots of fun stuff going on at the Renn Fest. Despite what they say about it being, "White and Nerdy" the Festival is definitely fun for all ages. Personally, I'm partial to all the amazing food they have there. Ya gotta love cheesecake on a stick dipped in chocolate. Frankly, I would love anything dipped in chocolate. Of course there's loads of wonderful entertainment as well. The cast of the royal court are really good. I remember when I was in high school visiting the festival to write a report about it. The "King" noticed me taking notes on something and came over to ask what I was doing. He was shocked to learn that girls go to school where I come from. He played the role very well. If you're looking for some good fun for the whole family then this will fit the bill. But, hurry, because it will be over before you know it. Then you'll have to wait another whole year before you can get your hands on some of that awesome fried cheese. Hmm, Methinks it be time to embark on a quest for that which is fried in grease and served on a stick. Let us away to Revel Grove and join in the merriment.

photo courtesy of www.rennfest.com

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

TOP RESIDENTIAL REAL ESTATE AGENT:  LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®
Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
(800) 847-9990 (O)  410-224-0660 (D)  443.569.2736 (C)  
e-Mail PatOgle@AnnapolisHomes4You.com
Visit www.AnnapolisHomes4You.com
Visit www.AnnapolisRealEstateHomesForSale.com
Visit www.AnnapolisHomesForSale.tv
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!
 

Microwave ovens make mealtime quick and easy

ZAP IT! From My Insights on Real Estate http://ping.fm/NSWqX

Mortgage Market In Review - September 27, 2010

Lori Wilson, Mortgage Loan Originator for 1st Mariner Mortgage send me this great report.

Mortgage Market In Review - September 27, 2010 

MARKET COMMENT

Mortgage bond prices ended near unchanged last week keeping mortgage interest rates historically low. The Fed meeting Tuesday went as expected. The Fed kept interest rates unchanged and noted they will keep rates low for an extended period of time. Mortgage rates were positive through the middle portion of the week. Unfortunately stronger than expected data and surging stock prices the latter portion of the week eroded the earlier positive movements. Despite those negative movements rates finished near unchanged overall for the week.
The Treasury auctions will be important this week. If foreign demand for US debt remains strong mortgage interest rates may remain lower. Consumer confidence will set the tone for trading the beginning of the week.

LOOKING AHEAD

Economic Indicator	Release Date and Time	Consensus Estimate	Analysis
2-year Treasury Note Auction	Monday, Sept. 27, 1:15 pm, et	None	Important. $36 billion of notes will be auctioned. Strong demand may lead to lower mortgage rates.
Consumer Confidence	Tuesday, Sept. 28, 10:00 am, et	53.9	Important. An indication of consumers' willingness to spend. Weakness may lead to lower mortgage rates.
5-year Treasury Note Auction	Tuesday, Sept. 28, 1:15 pm, et	None	Important. $35 billion of notes will be auctioned. Strong demand may lead to lower mortgage rates.
7-year Treasury Note Auction	Wednesday, Sept. 29, 1:15 pm, et	None	Important. $29 billion of notes will be auctioned. Strong demand may lead to lower mortgage rates.
Q2 GDP 3rd revision	Thursday, Sept 30, 8:30 am, et	Up 1.7%	Important. The aggregate measure of US economic production. Weakness may lead to lower rates.
Personal Income and Outlays	Friday, Oct. 1, 8:30 am, et	Up 0.2%, Up 0.3%	Important. A measure of consumers' ability to spend. Weakness may lead to lower mortgage rates.
PCE Core Inflation	Friday, Oct. 1, 8:30 am, et	Up 0.1%	Important. A measure of price increases for all domestic personal consumption. Weakness may lead to lower rates.
U of Michigan Consumer Sentiment	Friday, Oct. 1, 10:00 am, et	67	Important. An indication of consumers' willingness to spend. Weakness may lead to lower mortgage rates.
ISM Index	Friday, Oct. 1, 10:00 am, et	55.0	Important. A measure of manufacturer sentiment. A large decline may lead to lower mortgage rates.

MARKET CONDITIONS

There is a Chinese proverb that states, “May you live in interesting times.” It is often argued that the word interesting is meant to be a synonym for turbulent or dangerous. This phrase hits the bull's-eye given the current state of the financial markets. While stocks and bonds are swinging around wildly there is some good news. Interest rates for conforming and FHA/VA loans are historically low.
Remember, low rates are not a given considering the uncertainty in the financial markets. Inflation, real or perceived, erodes the value of bonds causing bond prices to fall and rates to rise. The last thing the economy needs now is higher mortgage interest rates. If inflation emerges that very well may happen despite the continued Fed efforts to keep rates low. With so much uncertainty, a cautious approach to float lock decisions, especially heading into the inflation data this week, would be wise.


Lori Wilson
Mortgage Loan Originator

1st Mariner Mortgage

2661 Riva Road Bldg. 1000
Annapolis, MD 21401

Office: (301) 261-8706
Fax: (301) 576-4538
Cell: (301) 922-5116



Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Visit Us At AnnapolisHomes4You.com

Here is Another Way To Buy a Home

How to Buy a Home With a Land Contract http://ping.fm/CzA4Z


Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®

Visit Us At AnnapolisHomes4You.com

Kent County Homes For Sale

Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

The Map shows the first 20 homes for sale. Begin Your Search By Clicking on any of the House Icons Below. Want to see more Homes for Sale or Create Your Own Search? Just Click Here!

To Search For More Homes In Maryland? Just Click Here!



Pat Ogle and The AnnapolisHomes4You.com Team are dedicated real estate professionals specializing Waterfront Homes for Sale and Properties in Annapolis, Arnold, Severna Park, Edgewater , Anne Arundel County, The Esatern Shore, and the Surrounding areas in Maryland.
We specialize in Relocation! Click here to request our Free Relocation Package

We guarantee to sell your home in 60 days or less!

You can contact me at any time if you are interested in touring these properties, or any property.

Just Listed Homes

Do you want to know what homes Really Sold for? Just click Here

TOP RESIDENTIAL REAL ESTATE AGENT:  LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®

Certified Residential Specialist / Certified Internet Marketing Specialist

Over $73,000,000 in Settled Sales

Champion Hall of Fame

Best of the Best 2003, 2004, 2005, 2006, 2007, 2008

National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008

#1 in AOL, Comcast, Google and Yahoo

#1 Relocation site for Annapolis, Anne Arundel County

For more information Click Here

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401

410.224.0660 (O)   443.569.2736 (C)   410-224-0632 (F)

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Eight Ways to Improve Your Credit

Credit scores , along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for.

1. Check for and correct errors in your credit report . Mistakes happen, and you could be paying for someone else’s poor financial management.
2. Pay down credit card bills. If possible, pay off the entire balance every month. However, transferring credit card debt from one card to another could lower your score .
3. Don’t charge your credit cards to the maximum limit.
4. Wait 12 months after credit difficulties to apply for a mortgage . You’re penalized less for problems after a year.
5. Don’t purchase big-ticket items for your new home on credit cards until after the loan is approved. The amounts will add to your debt.
6. Don’t open new credit card accounts before applying for a mortgage. Having too much available credit can lower your score.
7. Shop for mortgage rates all at once. Too many credit applications  can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.
8. Avoid finance companies . Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.

This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, “Knowing and Understanding Your Credit,” visit http://www.homebuyingguide.org.

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®
Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
410.224.0660 (O) 443.569.2736 (C) 410-224-0632 (F)
e-Mail PatOgle@AnnapolisHomes4You.com
Visit http://www.annapolishomes4you.com/
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!

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

Benefits of Owning Your Own Home Part 4

Another benefit of owning a home is Forced Savings.

Some people are just lousy at saving money, and a house is an automatic savings account. You accumulate savings in two ways. Every month, a portion of your payment goes toward the principal. Admittedly, in the early years of the mortgage, this is not much. Over time, however, it accelerates.

Second, your home appreciates. Average appreciation on a home is approximately five percent, though it will vary from year to year, and in some years may even depreciate.. Over time, history has shown that owning a home is one of the very best financial investments.


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

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®
Certified Residential Specialist / Certified Internet Marketing Specialist

Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
410.224.0660 (O) 443.569.2736 (C) 410-224-0632 (F)
e-Mail PatOgle@AnnapolisHomes4You.com
Visit http://www.annapolishomes4you.com/
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!

Effective Communication is Key When Negotiating

I love the way Pat puts things. Simple and to the point.

Via Pat Savani (Champion Realty, Inc.):

I am convinced one of the most difficult things we do when negotiating is to communicate effectively. More transactions are lost because we misunderstand, don't listen, assume we know, don't call back, don't clearly articulate, don't write it down or don't work to build consensus.

To communicate effectively we need to:

1. Listen


2. Try to understand what the other party wants and why they are requesting it?


3. Know if a request is a casual want or an absolute need?


4. Know how to identify an alternative option that will satisfy their request?


5. Return calls promptly, especially difficult ones, they don't age well.


6. Make sure all written communication is clear and expresses the exact terms of the agreement.


7. Be professional and unemotional in our communications, our clients don't need an emotional agent.


8. Listen, we will never hear if wwe are thinking about what we're going to say next and not listening to the answer of the question we already asked.


9. Ask good questions to get all the facts and never assume we already know the answer.


10. Try to build on areas of agreement to build consensus.


11. Appreciate that the person we're speaking with may be under a lot of stress or having a bad day and not take it personally.


12. Leave our ego out of it, when everyone feels like they won it will be easier to get agreement.

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

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®
Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County
Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
410.224.0660 (O) 443.569.2736 (C) 410-224-0632 (F)
e-Mail PatOgle@AnnapolisHomes4You.com
Visit www.AnnapolisHomes4You.com
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!

8 Must Know Steps that help your buyer mentally move in.

Pat Savani of Champion Realty always has some great stuff. Here are 8 steps to help the buyers mentally move in.

Pat Savani (Champion Realty, Inc.)Staging is an important part of preparing a property for sale. It can make the difference between languishing on the market and having a competitive advantage over similarly priced properties. Staging does not take the place of pricing the property correctly but in a competitive environment it may tip the scales to your advantage. Most of staging is focusing on lots of little things that collectively make a big difference.

1. Immaculate kitchens and baths are a must with fresh towels and empty counter tops.


2. Odors are a real turn off to buyers, so litter boxes and other types of pet odors and strong food smells must be addressed.


3. Lights are important, keep them on, have light switches in bedrooms associate to lamps that are prepared to light up. Keep lights on so the house always looks bright and cheery, it is a small expense that gives large returns.


4. Front doors need to be clean, freshly painted and no cob webs or debris.


5. Clean out corners that accumulate extra pieces of furniture and knick knacks.


6. Clutter is the enemy when selling a house. Pack, toss or sell extra stuff, it will make every room more spacious.


7. Clean around your furnace and change the filter. A dirty filter makes a buyer wonder whether routine maintenance has been performed on the property.


8. Lastly, eliminate strong statements of personal taste. When a room is too personalized it makes it difficult for the buyer to imagine moving their things in.

The reason for staging is too help the prospective buyer mentally move in; when you stage you give the buyer the space, and neutral palette to do that.

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

“It’s a funny thing about life; if you refuse to accept anything but the best…you very often get it” Somerset Maugham

"Expect the Best" Pat Ogle

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®
Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County For more information Click Here

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
410.224.0660 (O) 443.569.2736 (C) 410-224-0632 (F)
e-Mail PatOgle@AnnapolisHomes4You.com
Visit www.AnnapolisHomes4You.com
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!

A Video Testimonial from a Satisfied AnnapolisHomes4You Team Customer

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

“It’s a funny thing about life; if you refuse to accept anything but the best…you very often get it” Somerset Maugham

"Expect the Best" Pat Ogle

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®
Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County For more information Click Here

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
410.224.0660 (O) 443.569.2736 (C) 410-224-0632 (F)
e-Mail PatOgle@AnnapolisHomes4You.com
Visit www.AnnapolisHomes4You.com
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!

A Great 'How-To' Website

We're happy to be able to share more information with you that we think you may find interesting. Have you heard of the web site that provides step-by-step how-to information for thousands of common projects, from how to replace a leaky faucet to how to plan a dinner party? It's http://www.ehow.com/. We enjoy being able to share Internet sites that we think may be useful.

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

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Thank you for your time, if there is ever anything I can help you with, don't hesitate to ask.

“It’s a funny thing about life; if you refuse to accept anything but the best…you very often get it” Somerset Maugham

"Expect the Best" Pat Ogle

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®
Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel County For more information Click Here

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
410.224.0660 (O) 443.569.2736 (C) 410-224-0632 (F)
e-Mail PatOgle@AnnapolisHomes4You.com
Visit www.AnnapolisHomes4You.com
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!

Kiss Your Landlord Good Bye - Own Your Own Home!

The biggest problem many people face when making the move from renting to owning a home is the down payment. You've been making regular payments every month for rent and can't seem to accumulate enough capital for a more permanent home. Many times homes in your area appreciate in value faster than you can save. You should explore all possibilities and make every effort to purchase a home now and begin benefiting from the home's appreciation and the income tax deduction that come with home ownership. But saving for your down payment doesn't need to be the mountain you've made it out to be.

The Federal Housing Administration (FHA) or the Veteran's Administration (VA) and many other government programs or grant programs are available for homebuyers with zero or little down. Hundreds of thousands of homebuyers are realizing their dream of home ownership every year and you can too.

1. You can make a much smaller down payment than you think.Certain government programs, such as first-time buyers programs, are intended to assist people in getting into the housing market. Even if your spouse is a former homeowner, as long as your name was not on a home loan, you can still qualify as a first time buyer. It's vital that your real estate agent has knowledge of this area and can provide you with relevant information.

2. Your lender may be able to help with your down payment and closing costs.Even if you do not have enough cash on hand to make a down payment, provided you own an asset (car, for example) free and clear and have no debt, your lender may be able to secure a loan against that asset to cover the down payment.

3. A seller may help you buy and finance your home.Some sellers might consider holding a second mortgage for you in what is called a "seller take back." Under these circumstances, the seller acts as a lending institution. Rather than a large lump sum payment, you pay the seller a monthly mortgage installment.

4. Create a cash down payment without going into debt.There are ways to borrow money for certain investments that can generate major tax refunds that you can use as a down payment for a new home. While money borrowed for these investments are technically a loan, the monthly amount paid can be small, and the money in both the investment and the home will be yours when all is done.

5. You do not need perfect credit to buy a home.Provided you can come up with more than the minimum down payment or can secure a loan using other equity, many lenders will consider you for a mortgage. If you have a less-than-perfect credit rating, seeking a seller that will take back the mortgage can also be very helpful.

6. You should get pre-approved for a loan before shopping for a home.It is very easy to get pre-approved and by doing so, you can shop for a home in peace. Mortgage professionals can obtain a written pre-approval in very little time, often over the phone. A written pre-approval certificate is like money in the bank. All it takes is a completed credit application and a certificate that guarantees you a mortgage to a specified level when you find the home you are looking for. This also strengthens your bargaining position when competing with other buyers on the home you want.

You should only work with a professional who specializes in home mortgages. Their services can make the difference between obtaining a home loan or being trapped paying rent forever.

7. 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. 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 you with financing a new home? Does your agent ask questions of you in order to have a full understanding of what you are looking for to help you locate the most home for the money?

Have questions, need advice you can count on or just want to discuss this further? Don't waste any more time; pick up the phone and call me now!

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

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

Thank you for your time, if there is ever anything I can help you with, don't hesitate to ask.

Pat Ogle, Associate Broker,

CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®
Certified Residential Specialist / Certified Internet Marketing Specialist
Over $73,000,000 in Settled

Sales
Champion Hall of Fame
Best of the Best 2003, 2004, 2005, 2006, 2007, 2008
National Sales Award, 2003, 2004, 2005, 2006, 2007, 2008
#1 in AOL, Comcast, Google and Yahoo
#1 Relocation site for Annapolis, Anne Arundel

County For more information Click Here

Champion Realty, Inc. 711 Bestgate Road, Annapolis, MD 21401
410.224.0660 (O) 443.569.2736 (C) 410-224-0632 (F)
e-Mail PatOgle@AnnapolisHomes4You.com
Visit www.AnnapolisHomes4You.com
Blog AnnapolisHomes4You.blogspot.com

Please Don't Forget to Show Your Support for Our Troops!