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

Thursday, March 12, 2009

There's No Place Like Home

Be it ever so humble, there really is no place like home. Home is where we spend time with our loved ones, relaxing, laughing and making memories to last a lifetime. Why not take a little time to make your home look as special and unique as you? By adding little touches that reflect your personality, a house is transformed into home sweet home. Here are some ideas: Add something living to each room. A bouquet of fresh-cut flowers or a potted plant, a bowl of fruit, or a tank of fish can help bring nature indoors. Show off your keepsakes by arranging them on bookshelves or across your fireplace mantle. Lay a mirror on a decorative table and set your favorite vase on it for twice the impact. Pillows and throw blankets add warmth, you can make them even more attractive by sewing dcorative lace or fringe on the edges. You can also hot glue pretty trim on lamp shades or window shades for a fun look. Finally, don't forget that the right light can showcase your accessories. A bathroom or library will benefit from brighter lighting, while a bedroom or family room can be enhanced with soft, pink-tinted bulbs; or try installing a dimmer switch in these rooms.

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!

PS: For the latest Ft. Meade and BRAC Real Estate information Click Here

Wednesday, March 11, 2009

Go Green, Save Green

Here is a great post from my monthy newsletter.

You don't have to build from scratch to have a greener home. These quick and easy home fixes will shrink your consumption and your monthly bills.

Rate it. Look for Energy Star-rated products. This government program helps people make energy-efficient choices, which can lead to savings of up to a third of energy costs.

Switch the lights. Compact fluorescent light bulbs use up to 75 percent less energy than traditional bulbs. Replace them in highly used fixtures such as porch lights, bathroom vanities and office lamps.

Go with the flow. Use low-flow showerheads and consider installing low-flow toilets to reduce water usage and save on water-heating costs.

Plug in, turn off. Use a power strip for your home office or home entertainment center. Even in standby mode, consumer electronics — which account for 15 percent of household electricity — use a little juice, so turn the power strip off when you can.

Cool it. Turn the water temperature for your washing machine or dishwasher down to 120º F to cut water-heating energy consumption.

Seal it. Search for hidden air leaks in your attic, basement or crawl space, and seal them with caulk, spray foam or weather stripping. Home sealing can be an inexpensive way to cut energy consumption by up to 10 percent.

Sources: www.energystar.gov, www.eere.energy.gov

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

Tuesday, March 10, 2009

Using Cottage-Style Decor

Using cottage-style decor is a great way to bring together old and new, comfort and elegance, beauty and practicality. Best of all, it's affordable.

Begin by simplifying your space. Clear any clutter by removing objects that are no longer functional or enjoyable. Replace heavy draperies with sheer window coverings and furnish the room with a comfortable sofa and overstuffed chairs, as well as vintage tables. Search flea markets, antique shops and garage sales for inexpensive, well-made furniture that has clean lines and aesthetic appeal. Or you can give your own sofa and chairs a cottage-style makeover with slipcovers in solid neutral or stripes with muted colors. Be sure to arrange several throw pillows throughout the room. If you mix patterns, such as florals and stripes, try to unite them with a common color.

Tables, picture frames and other wooden accessories that has the look of thin, peeling or chipped paint will work well to add a worn, nostalgic feel. Incorporate fresh flowers for splashes of color and scented candles for welcoming aromas.

Decorate the room using a palette of neutrals and pastels. Neutral colors not only look clean, they can also bring together mismatched accessories, which are characteristic of this style.

Distressed-wood furniture, mismatched dishes, vintage fabrics and antique linens are all staples of cottage-style. The room should feel timeworn, yet new. Most of all, it should have a look that is all your own.

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

Tuesday, March 3, 2009

Todays Intrest Rates From Jamison Mullen

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40 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 6.875%
APR: 7.081%
MONTHLY PAYMENT: $887.95
PAYMENT TERM: 40 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
30 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 5.0%
APR: 5.213%
MONTHLY PAYMENT: $778.40
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: 5.5%
APR: 6.170%
MONTHLY PAYMENT: $941.16
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $151,000
PREPAID FINANCE CHARGES: $1,700
DOWN PAYMENT: 3.5%
-----------------------------------------------------------------

Jamison Mullen
Home Mortgage Consultant
Office: 4102240600
Fax: 410-224-0632
Mobile 443-852-0519

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

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!

PS: For the latest Ft. Meade and BRAC Real Estate

information Click Here

6 Tips to Successfully Negotiating Multiple Offers

Mutiple Offers are on the Rise!

Pat Savani tells us that as the market in Annapolis and Anne Arundel County heats up on well priced properties the probability of multiple offers is on rise. Multiple offers in some situations may increase the net to the seller or result in an earlier settlement date. However, if they are not handled right they can also turn off a buyer from submitting an offer or lead to concerns questioning the fairness and full disclosure of the offer and counter offer.

Here are some tips to a successful negotiation.

1. In our state we are required to have the seller’s preference in the listing agreement whether to disclose the existence of multiple offers or not.

2. If the seller says no to disclosure then the listing agents does not disclose to anyone; if the seller says it’s okay to disclose, then everyone is to be given the same information regarding the existence of other offer.

3. As agents we are not allowed to disclose confidential information, so the terms of competing offers are not discussed with anyone just the existence and status of a competing offer. Having everyone understand the process sets reasonable expectations and can avoid misunderstanding and hurt feelings.

4. If you are competing it’s usually best to make your first offer your best offer that way if you don’t get the property you have no regrets.

5. As a seller in a multiple offer situation, remember that buyers can become disillusioned if they don’t feel that they are competing on a level playing field. Multiple offers can disappear and or the negotiation become visceral if the buyers don’t feel that they have been treated fairly.

6. Multiple offers occur in a declining market when the floor has been identified. In some segments of our market the floor has be found.
Thank you for your time, if there's 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

Sunday, February 15, 2009

8 Steps to Help your buyer to mentally move in.

A new post from Pat Savani

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 to help the prospective buyer mentally move in; when you stage you give the buyer the space, and neutral palette to do that.

View Post
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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!

The Lastest Mortgage Rates

Today's Rates: February 13, 2009 thanks to Jamison Mullen

-----------------------------------------------------------------
40 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 7.0%
APR: 7.208%
MONTHLY PAYMENT: $901.08
PAYMENT TERM: 40 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
30 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 5.0%
APR: 5.213%
MONTHLY PAYMENT: $778.40
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
20 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 5.375%
APR: 5.669%
MONTHLY PAYMENT: $987.23
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: 5.5%
APR: 6.170%
MONTHLY PAYMENT: $941.16
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $151,000
PREPAID FINANCE CHARGES: $1,700
DOWN PAYMENT: 3.5%
-----------------------------------------------------------------
Jamison Mullen
Home Mortgage Consultant
Office: 4102240600
Fax: 410-224-0632
Mobile 443-852-0519
Contact Us: https://www.benefits-mortgage.com/affinity/contactUs.wfm?suffix=jamison-mullen

711 Bestgate Road
Annapolis, MD 21401

_________________________________________________________________

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!

CanYou See the Bottom?

My friend Pat Savani wrote this great post.

It is probably too soon to be certain, but the bottom is certainly coming into view .

MRIS ( Metropolitan Regional Information System) the large regional multiple list system serving, Washington, Maryland, Northern Virginia, Southern Pennsylvania and the West Virginia pan handle in the Weekly Market Report published February 2, 2009 was full of great news for buyers, sellers and agents.
• The number of active listings for sale was down year over year with the last 3 months average down around 10,000 units.
• The report also showed that the last 3 month average of new pending sales was up 14.6%. The bottom is a hard thing to see but in our region the bottom is becoming clearer and if current trends continue it could be behind us.
• The housing affordability index in the MRIS service area was over 145% as a result of lower interest rates and prices. The affordability index is the amount of income necessary to qualify for the median price home with current interest rates.

View article...

________________________________________________________________

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!

Tuesday, February 10, 2009

Mortgage Rate Alert

-----------------------------------------------------------------
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: 5.125%
APR: 5.340%
MONTHLY PAYMENT: $789.51
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $145,000
PREPAID FINANCE CHARGES: $2,000
DOWN PAYMENT: 20%
-----------------------------------------------------------------
20 YEAR FIXED (CONFORMING LOAN RATE)
INTEREST RATE: 5.375%
APR: 5.669%
MONTHLY PAYMENT: $987.23
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: 5.5%
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!

Sunday, February 1, 2009

Top of the Deck!

posted by Pat Savani at Anne Arundel County Real Estate

Top of the Deck Let’s assume the absorption study indicates that there are currently 20 homes on the market and based on recent sales the projected sales pace is 2 per month and there is currently 10 month...

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!

Thursday, March 12, 2009

Wednesday, March 11, 2009

Tuesday, March 10, 2009

Tuesday, March 3, 2009

Sunday, February 15, 2009

Tuesday, February 10, 2009

Sunday, February 1, 2009

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