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?
Annapolis Real Estate and Homes for Sale in Anne Arundel County, Eastern Shore and Waterfront Homes, Properties in the Surrounding Counties of Maryland
Wednesday, January 14, 2009
Tuesday, January 13, 2009
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%
-----------------------------------------------------------------
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%
-----------------------------------------------------------------
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%
-----------------------------------------------------------------
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%
-----------------------------------------------------------------
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?
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?
Monday, January 12, 2009
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%
-----------------------------------------------------------------
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: 4.75%
APR: 5.115%
MONTHLY PAYMENT: $1,127.86
PAYMENT TERM: 15 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
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 #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?
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?
Sunday, January 11, 2009
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?
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?
Saturday, January 10, 2009
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?
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?
Friday, January 9, 2009
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?
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?
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