Annapolis Real Estate and Homes for Sale and Waterfront Properties in Maryland

Wednesday, October 7, 2009

The $8,000.000 Tax Credit Use It Ot Lose It!!!

This is my first Video Blog. Let me know what you think.

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 http://www.annapolishomes4you.com/
Blog AnnapolisHomes4You.blogspot.com

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

Monday, October 5, 2009

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.

Todays Lastest Rates

Conventional 30 Year fixed:
4.750% 1.125 total pts Apr: 5.2310
4.875% 0.375 total pts Apr: 5.2947

FHA\VA 30 Year fixed:
4.750% 1.250 total pts Apr: 5.3113
5.000% 0.250 total pts Apr: 5.4810

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

Friday, October 2, 2009

October's Money Talk

The Recession and Your Age

The recession has affected people of different ages in different ways. According to a telephone survey by the Pew Research Center's Social & Demographic Trends project, young people who are just emerging into the job field have experienced the worst of it, while adults age 65 and over who are already retired have not felt as much impact.
Despite the struggle to find a job, many young people remain optimistic about their financial future. Seventy-one percent of people age 18-29 had no financial losses or had no investments before the recession, but 68 percent have made changes to cut back their spending.
Click Here for the Rest of the Stories

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 http://www.annapolishomes4you.com/
Blog AnnapolisHomes4You.blogspot.com

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

Wednesday, September 30, 2009

The Latests Rates

Conventional 30 Year Fixed: 4.875% 0.750 Total Points Apr: 5.3295
5.000% 0.250 Total Points Apr: 5.4128

Fha\Va 30 Year Fixed: 5.000% 0.500 Total Points Apr: 5.5965
5.125% 0.250 Total Points Apr: 5.7047

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

Saturday, September 26, 2009

My Joke of the Week

A friend who prides himself of being an amateur psychiatrist was a guest at a gathering, and the hostess naturally broached the subject in which he was most at ease.

"Would you mind telling me," she asked, "how you detect a mental deficiency in somebody who appears completely normal?"

"Nothing is easier," he replied. "You ask a simple question which anyone should answer with no trouble. If he hesitates, that puts you on the track."

"What sort of question?"

"Well, you might ask him, 'Captain Cook made three trips around the world and died during one of them. Which one?'"

The hostess thought a moment, then said with a nervous laugh, "You wouldn't happen to have another example would you? I must confess I don't know much about history."

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

Wednesday, September 23, 2009

The Latests Rates

Here are the latests rates for Wed 9/23/2009 11:38 AM:

Conventional 30 year fixed:

4.875 % 1.125 total points Apr: 5.3628

5.000 % 0.750 total points Apr: 5.4578

Fha\Va 30 year fixed:

5.000 % 1.000 total points Apr: 5.6451

5.250 % 0.000 total points Apr: 5.8122

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

Monday, September 21, 2009

Important Things To Avoid Before Buying a Home Part 1

Don’t Move Money Around

When a lender reviews your loan package for approval, one of the things they are concerned about is the source of funds for your down payment and closing costs . Most likely, you will be asked to provide statements for the last two or three months on any of your liquid assets. This includes checking accounts, savings accounts, money market funds, certificates of deposit, stock statements, mutual funds, and even your company 401K and retirement accounts.

If you have been moving money between accounts during that time, there may be large deposits and withdrawals in some of them.

The mortgage underwriter (the person who actually approves your loan) will probably require a complete paper trail of all the withdrawals and deposits. You may be required to produce cancelled checks, deposit receipts, and other seemingly inconsequential data, which could get quite tedious.

Perhaps you become exasperated at your lender , but they are only doing their job correctly. To ensure quality control and eliminate potential fraud, it is a requirement on most loans to completely document the source of all funds. Moving your money around, even if you are consolidating your funds to make it "easier," could make it more difficult for the lender to properly document.

So leave your money where it is until you talk to a loan officer.

Oh…don’t change banks, either.

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

Thursday, September 17, 2009

Benefits of Owning Your Own Home Part 6

More Space

Both indoors and outdoors, you will probably have more space if you own your own home. Even moving to a condominium from an apartment, you are likely to find you have much more room available – your own laundry and storage area, and bigger rooms. Apartment complexes are more interested in creating the maximum number of income-producing units than they are in creating space for each of the tenants.
If you are moving to a home for the first time, you are going to be very pleased with all the new space you have available. You may have to even buy more "stuff ."

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
21401410.224.0660 (O) 443.569.2736 (C) 410-224-0632 (F)
e-Mail PatOgle@AnnapolisHomes4You.com
Visit http://www.annapolishomes4you.com/

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

Monday, September 14, 2009

Benefits of Owning Your Own Home Part 5

Freedom & Individualism

When you rent, you are normally limited on what you can do to improve your home. You have to get permission to make certain types of improvements. Nor does it make sense to spend thousand of dollars painting, putting in carpet, tile or window coverings when the main person who benefits is the landlord and not you.

Since your landlord wants to keep his expenses to a minimum, he or she will probably not be spending much to improve the place, either.

When you own a home , however, you can do pretty much whatever you want. You get the benefits of any improvements you make, plus you get to live in an environment you have created, not some faceless landlord .

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 FameBest 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!

Wednesday, October 7, 2009

Monday, October 5, 2009

Friday, October 2, 2009

Wednesday, September 30, 2009

Saturday, September 26, 2009

Wednesday, September 23, 2009

Monday, September 21, 2009

Thursday, September 17, 2009

Monday, September 14, 2009

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