A wonderful place to call home......Forest Hill

Forest Hill, MD,  settled in the mid 1600's is  located in Harford County, MD just east of Bel Air. Forest Hill has an established community with a median income of  $84,000 and a diverse population of  19,000 people.  Many people flock to the area because of the school system which spends about $12,090 per student and is stated to be one of the best.  The average housing cost of a single family home is $290,000.

With Forest Hill having plenty of shopping and entertainment near by getting the things you want and need is always a short distance away.  The county host an annual Farm Fair, Maryland State Barbecue and the can't miss Chocolate Festival where folks from around the county come out to celebrate.  

With so much to choose from Forest Hill is a wonderful place to call home.

Find homes located in Forest Hill  
Simply click image below

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If you want to know what your home in Forest Hill is worth contact me via phone, email or simply complete the "How much is my Home Worth in Today's Market" short form.

$4,000 for your new home

It’s time to get your name stamped on $4000*

The fall home buying incentive, “Buying Into Baltimore”  is back this weekend to help you to get $4000 toward down payment and or closing cost.  All you have to do is spend a few hours learning about the home buying process while attending a workshop, visit a few homes, and go under contract within 90 days of the event before the funds are gone.  Simple right?  YES!!!!

Get an additional $1,000 by purchasing a home in one of the city’s designated area.* Home purchases can be up to $417,000 and income requirements are very fair.

Note:  The first 30 people who submit their contract and have met the programs requirement will receive the $4,000 toward down payment and or closing assistance. 

Summary: 

· Attend the event September 21, 2013

· Go on housing tour

· Take Home-ownership  Counseling workshop

· Contribute at least $1,000 of your own money

· Work with me or any licensed real estate sales person to produce a fully ratified contract within 90 days of  event

*Please visit official website for more information. 

Click here to visit Buying into Baltimore.   

        Better yet…..just ask me!        

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 Let's rebuild this city!

The house is just fine” REALLY!!!!

"I don’t need a home inspection." 

                                 The house looks just fine” REALLY!!!!

Remember the movie, “Money Pit?” Well guess what; they didn't get a home inspection!

Home inspections are optional but necessary. During an initial walk through of a home it may appear that things are good and in working order BUT are they really?

A home inspection is designed to evaluate a house and

provide professional opinions about its condition and structural integrity.  The inspector will evaluate and test the plumbing, electrical system, heat and air conditioning, insulation, doors, windows, appliances etc. 

Although inspectors vary in experience, ability and thoroughness the actual inspection usually lasts two to three hours.  It is recommended that you the buyer and your agent are present for the entire time.  Some inspectors will point things out their findings to the buyer as they work.  Also, any problems the inspector uncovers will make more sense if you see them in person instead of relying on snapshots within the report. 

Inspectors typically detail their findings in a report which should include pictures to support their findings.  The reports are typically delivered to the buyer and the buyer’s agent within 24 hours of the inspection being completed.

The report will typically include:

• problem identified, safety issues, major or minor defects 
• which items need  repair, service or replacement
• items that are suitable for now but should be monitored closely and budgeted for repair in the future.
• Tell you about routine maintenance that should be performed

If problems are uncovered it the perfect time for you and your agent to review and determine if you want the seller to address some or all the issues found in the report, or determine if you want to continue to move forward with the purchase of the house. Please note; the Seller is not obligated to grant any of the requests.  If you are unable to come to a consensus of repairs you may be able terminate the contract without any penalty.

Don’t fall into the traps and believe:

•   I know someone who can fix it
•   I can do it myself
•   I love with this house
•   I don't care what the problems are
•   It’s new construction and there won't be any problems.  

The bottom line:

A home inspection is an additional cost BUT, you'll be glad you did it. 

YOU JUST NEVER KNOW WHAT'S HIDDEN ! 
SO……GET THE INSPECTION!

Imagine by Danilo Rizzuti

Baltimore Home for sale less than $100K

Your keys are waiting 3435 Parklawn Ave, Baltimore, MD 21213 3435Parklawn.com Features » Quiet neighborhood » Clean home throughout » Spacious » Detached garage on site for storage or a car » well maintained Remarks Priced just right! Property ownership at its best. Owners take pride in the neighborhood. Neutral decor, ready for you to move right in. Great property for a first time home buyer or someone wishing to downsize. Garage for extra storage or a car, you decide. Enough space to stretch out. Clean and ready for its new homeowner. Schedule your appointment today Price : $ 69,900 Type : Townhouse Beds : 3 MLS : BA8128748 Contact Information Josette Fowlkes (443) 512-0090 (office) www.listwithjosette.com VIEW MY LISTINGS American Premier Realty 2021-B Emmorton Road Suite 110 Bel Air, MD 21015 443.512.0090

Keller Williams Realty, Inc. is a real estate franchise company. Each Keller Williams office is independently owned and operated. Keller Williams Realty, Inc. is an Equal Opportunity Employer and supports the Fair Housing Act. © 2013 Properties Online, Inc. (RealEstateSites.com) Content including property details, articles or opinions posed on this website have not been independently verified and cannot be guaranteed. All information offered within this website should be independently verified. Website content is provided at the reader's own risk and the reader will not hold the parties involved in creating, producing or delivering this information liable for any loss, injury, claim, liability, or damage of any kind resulting in any way from any errors in or omissions from the information. Laws and taxes vary from state to state. You should consult with your individual CPA or tax attorney when purchasing or selling real estate. By providing links to other sites Properties Online, Inc. does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to the agent, brokerage, brand or Properties Online, Inc. Equal Housing Opportunity.

Home for sale in the Waltherson Community

Check out this great home that you and your family could build a life in and create wonderful memories

2+ Bedrooms in Baltimore County

Find your dream home NOW!
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Stop dreaming and make it a reality.  Start looking now.  Contact me to get inside your dream home

Sell | Buy| Baltimore City| Baltimore County| Harford County|

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Johns Hopkins Bay View Area Rental

Bay View area rental 

is available for immediate occupancy 

                                                                   Click image to take a tour

Owner has taken pride in maintaining the homes character.

• Two bedrooms w/ attached den/nursery. 
• Large kitchen
• Clean and clutter free.
• Furnished or unfurnished, it s your choice. 
• Televisions
• Computer
• Washer
• Dryer
• DVD players
• Cable included 

Just bring your clothes and personal touch & its all yours. Quiet neighborhood & walking distances to a work, shops & restaurants  

Bay View down the street...

Schedule a showing to day

JUST $1,250 per month

FHA: Mortgage Insurance Changes now April 1, 2013

FHA has increased its annual mortgage insurance premium (MIP) for most new mortgages by 0.10%.  They have also increased premiums on jumbo mortgages of $625,500 or larger to 0.05%. 

As of April 1, 2013, FHA requires most FHA borrowers to pay annual premiums for the life of the mortgage loan.  Previously FHA would cancel the required MIP on loans when the outstanding principal balance reached 78% of the original principal balance. FHA would have remained responsible for insuring 100% of the outstanding loan balance throughout the life of the loan, regardless of the 78% threshold being reached and MIP being cancelled.

According to the FHA’s Risk Management and Regulatory Affairs office, it was estimated that they have lost billions of dollars in premium revenue on mortgages endorsed from 2010 through 2012 because of the automatic cancellation policy.  To minimize further loss, FHA will now collect MIP on unpaid principal balances for the life of the loan.  

Bottomline:  Some mortgages payments are more likely to increase.  The silver lining is that mortgage rates are low. It could all balance out.

For more on searching for your new home or to see what your home is worth contact me today!

Image courtesy of [Stuart Miles / FreeDigitalPhotos.net

Short sales homes search (Perry Hall)

The list of short sales may be getting shorter as  inventory is dwindles.  Get yours now

Search for short sales in Perry hall

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You may be surprised at what you can  find at rock bottom prices

Maryland home search

Ready, set, go to search for your new home.

Whether you are upsizing, downsizing for just ready for a general move contact me for "REAL"  Estate help

Click map to search for available homes in your area

For information on buying or selling:   

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Let me be your leprechaun

Cornbeef, cabbage, and Irish potatoes on the new stove and a shamrock shake to wash it down for St. Patrick's Day 

Find your pot of gold at the end of the rainbow as you search for your new home.

Check out these homes currently on the market with names related to St. Patrick's Day

Click on image to take a peek! 

Let me be your leprechaun 

*image courtesy of debspoons/ FreeDigitalPhotos.net

You have another chance for RED DAY with Keller Williams Realty

You get another chance for RED DAY with Keller Williams Realty

Keller Williams hosted its annual RED DAY lunch fundraiser, March 13th at three area Outback restaurants. Which was a great success. The fundraiser raised money for neighborhood projects that are scheduled to take place in May.

If you were unable to make it to the fundraiser luncheon on March 13th you will have another opportunity to attend a RED DAY Outback luncheon on March 21st at the Bel Air Outback from noon to 2p.m.  

Still  unable to make it on the March 21st? Simply contact your by contacting your local Keller Williams Realty associate to find out how you can be a part of RED DAY in May. 

Don't forget to donate a can of non-perishable food or school supplies for families and students that will be sponsored this year. Your donation can be dropped off at any Keller Williams Realty Office or ask your Keller Williams agent to pickup up.

Find out how you can be a part of this great day in May!

As Mark Ozman, associate with the Indianapolis/Carmel Market Center, wrote: “RED DAY isn’t about cleaning up a park. It is a one-day expression of what happens 24/7 in the Keller Williams culture. It is seeing a need, discovering who can meet that need and then getting it done."

Red Day with Keller Williams Realty

RED DAY (Renew, Energize and Donate) with Keller Williams Realty

Keller Williams will be hosted it annual RED DAY fundraiser, March 13th at three area Outback restaurants. The Keller Williams Office in Bel Air will host its fundraiser on March 21st. The fundraiser will raise money for neighborhood projects that are scheduled to take place in May.

There will be a great lunch, good conversation, good people, good fun, a silent auction, and a 50/50 raffle all in the spirit of giving.  Attendees are asked to donate a can of non-perishable food or school supplies for families and students that will be sponsored this year.

If you were unable to make it to the fundraiser luncheon on March 13th you will have another opportunity to attend a RED DAY Outback luncheon on March 21st at the Bel Air Outback from noon to 2p.m.  If you are still  unable to make it on March 21st still can be a part of RED DAY in May by contacting your local Keller Williams Realty associate.

Find out how you can be a part of this great day in May!

As Mark Ozman, associate with the Indianapolis/Carmel Market Center, wrote: “RED DAY isn’t about cleaning up a park. It is a one-day expression of what happens 24/7 in the Keller Williams culture. It is seeing a need, discovering who can meet that need and then getting it done."

Middle River Short Sales

The list of short sales may be getting shorter as  inventory is dwindles as others are buying them up.

Search for short sales in Forest Hill
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What a good deal, maybe even a steal

Dope-ee-doe, which way do I go?

Two plus bedrooms in Parkville. 

Dope-ee-doe which way do I go?
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How do I choose?  Start by clicking and searching

Baltimore City for $125,000 or less

Find your new home today.  

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$125,000 or less
click image to peek

Harford County Homes

Move into beautiful Harford County most desirable neighborhoods. Schedule your private showing today. Great home for the right buyer.

Click the key to find your home

Click on the photos or go to www.listwithjosette.com

How to buy a house

You are thinking about purchasing a home and are a little confused or concerned about the process.  Here I will walk you from deciding to purchase  to submitting an offer.

Step 1:   Decide to purchase
Making the decision to purchase what may be one of the largest investments in your life can be very daunting.  What do you do now?

Step 2:  Hire your agent 
If the cost of hiring a agent is a concern it shouldn't be.  In almost all cases the seller pays your agent.  You and your agent will have a detailed consultation to determine you wants and needs are for your new home.

Step 3:  Get pre-approved
Contact your lender of choice to determine if you are mortgage ready.  Your lender will go over finances to determine if they are able to extend financing to you.  If you are not ready they will assist in getting you ready.

Step 4:  Let's go shopping
This is the fun part.  We get to go out and see houses.  We get to spend time poking and prying in homes to find the right one for you.

Step 5:  Make an offer
You found the "perfect" home,now its time to sit down with your realtor to talk about the particulars such as price, terms, and contingencies.

Step 6:  Get started with #2 and contact me now with me today to ask questions and get started!!!  

Don't delay there are many incentives out there for buyers