Maryland Real Estate Information: WHAT IS A HOME EQUITY LOAN / LINE OF CREDIT?

Maryland Real Estate Information: WHAT IS A HOME EQUITY LOAN / LINE OF CREDIT? 

For more information or to browse Maryland homes for sale and real estate...

There's more to buying a home than just browsing real-estate listings and picking out the best pictures.

Let us help you find your next house.

Start by going to www.ReallyNiceHomes.com

Or call Fernando Herboso 301-246-0001 for faster assistance.

5331 Chesapeake Rd Hyattsville, MD 20781 Fernando Herboso Listing Agent 301-246-0001

5331 Chesapeake Rd Hyattsville, MD 20781

https://www.youtube.com/watch?v=x_Mo_8wdZfI​

3 Waterside Court Germantown, MD 20874

3 Waterside Court Germantown, MD 20874

This property has its own dedicated website at http://3WatersideCourt.utour.me. Visit the website for more photos, the virtual tour and to schedule a personal showing.
NATURE AT YOUR DOORSTEP IN THIS WELL MAINTAINED TOWNHOUSE! BRIGHT & SUNNY KITCHEN W/BAY WINDOW, STAINLESS APPLIANCES, CHERRY CABINETS, AND HUGE LIVING ROOM/DINING ROOM COMBO W/TRIPLE SLIDERS TO OVER SIZED DECK W/PRIVATE WOODED SETTING! CATHEDRAL CEILING IN MASTER BEDROOM! 3 FULL BATHS! FINISHED WALK-OUT BASEMENT W/REC ROOM, FIREPLACE & FULL BATH!

https://www.youtube.com/watch?v=Rnsk7rqEqjI

How To Sell Your Own Home in Maryland : Home Selling Tips & Precautions

 How To Sell Your Own Home in Maryland  : Home Selling Tips & Precautions

 Read Complete article here: http://www.reallynicehomes.com/blog/how-sell-your-own-home-maryland-home-selling-tips/

How To Sell Your Own Home in Maryland? 
Thinking of selling your home yourself?
Thinking on selling your home on your own?
For Sale by Owner (FSBO) There are some people that sell their home the  FSBO way.
The majority of these sellers do it because they know the person they are selling it too. Most often this involves family members or close friends.
But in most cases they sell their own home to avoid paying a commission to an agent.
This is a risky move for anyone to try as it  reminds me of a time when I met one of my clients for the first time..
First, allow me to introduce myself.
My name is Fernando Herboso, I’m the broker for Maxus Realty Group in Montgomery County Maryland.
I would like to take this opportunity to tell you about this client of mine that had to sell his home and was looking for ways to save money.
He had a dilemma, as he was considering selling his home on his own in an effort to save commission,  but he also knew that selling his home as a FSBO was too time consuming and too risky for him.
Luckily he listened to my presentation as he realized that a very small percentage of FSBO are usually successful.
Why try to overcome the odds and take on the difficulties of creating marketing systems just to sell one home?
I reminded him that my systems were already in place as my company  spends thousands of dollars each month making them run efficiently for all our listings...
That's when I decided to create a postcard that depicts clearly the difficulties for all For Sale By Owner candidates trying to save on commission fees.. .ignoring the facts that it takes time and money to market a home...if you want to achieve the highest value possible.
Here is what we created:


The odds of overcoming the difficulties in selling a home by creating system from scratch.. .simply does not make any sense these days...
This is why my client realized that he had to employ the services of a full time real estate professional, (that is) if he wanted the odds on his side.
I introduced to all my “Home Selling Systems” one evening at his home. I showed him how we were able to attract buyers for our listings as we multiplied the number of showings by 10 in just the first 7 days we had it listed.
The home was SOLD soon after in just in 27 days, and he  was able to save thousands of dollars on commission fees by "NETTING" more money at the closing table.
Should you decide, at any time, that you could benefit from the expertise and skills of a professional Real Estate Agent with a proven track record of success and marketing systems ready to promote your home..
I’m only a phone call away (301-246-0001)
You are under no obligation and I can assure you that our meeting will allow you to explore your options even more so. . .

Should you use a ZESTIMATE to sell your house? 

 I also invite you to watch this video and see how a Zestimates may or may not help you sell your house...

Click here to get started!

 How To Sell Your Own Home in Maryland  

: Home Selling Tips 

Read More Here: http://www.reallynicehomes.com/blog/how-sell-your-own-home-maryland-home-selling-tips/

What Credit Score is Needed to Buy a Home in Maryland ?

What Credit Score is Needed to Buy a Home in Maryland ?

First of all,  you might be wondering which credit score mortgage lenders use?

• Equifax?
• Transunion?
• Experian?

I get this question a lot and I'm not sure why?

There’s no sense focusing on something that only lenders have control of it, the fact remain that you need to be credit worthy  to be a borrower.

All lender determine your creditworthiness by pulling your credit score.

But if you must know, the answer is your FICO score and that is an standard being used with most lenders in general. 

Your FICO score is a combination of the 3 listed above...which are the three main credit bureaus. 

If you are looking for the perfect "LOWEST CREDIT SCORE" you must have and get the best pricing from a lender...you will need at least 760 points.

If you have any mistakes or missteps inside your credit report, you must deal with them before buying a home if you want the best rates possible...and  in some cases, this could take several months.

Maybe you will find that  your credit score is not sufficient for you to get a loan. Your income and the ratios play an important role in determining how much credit you can get.

This is a very personal conclusion based on your own  credit score, your income ratios, your debt amounts...and a few other important relevant facts. I caution for you NOT TO DISQUALIFY yourself...but have a professional evaluate your whole application for the best advice possible.

In summary, the only thing you have control over your credit score is to keep up diligently with your bills, don't wait until the last minute to pay them, don't  over burden yourself with so much credit and be responsible and strive fro perfection when it comes to paying your bills...

If you have low credit scores, do not get discouraged, there are ways to raise your credit up with the right help...call us if you need assistance on this 301-246-0001.

What Credit Score is Needed to Buy a Home in Maryland from Herboso and Associates llc

What it takes to get a loan plus information about grants when you are a first time home buyer?  

What Credit Score is Needed to Buy a Home in Maryland ?

Home Buying Tips for First Time Buyers in Maryland | FREE GRANTS!

First Time Home Buyer Education:

Are you a first-time home buyer eager and ready  to get into the market? 

Here are some steps to take to help you decide whether you're ready or not 

1. Check first what you can afford

2. Use a mortgage calculator to get an idea of what your monthly mortgage payments would be if you bought your first home today

3. Find out what your total monthly housing cost would be, you will need to include taxes and homeowners insurance..

4. Find out how much you'll likely pay in closing costs. The upfront cost when buying a  home shouldn't be overlooked 

5. Look at your budget and determine what is your Debt to Income Ratios

6. Talk to reputable Realtors in your area about your real estate needs

7. A good Realtor®  will help you  look at the big picture. While a buying a house is a huge step in your life and is a great way to build wealth.

Home Buying Tips for First Time Buyers in Maryland | Get Approved -- Seriously! from Herboso and Associates llc

Home Buying Tips for First Time Buyers in Maryland | Two Timing The Market from Herboso and Associates llc

Home Buying Tips for First Time Buyers in Maryland | Two Timing The Market from Herboso and Associates llc

Home Buying Tips for First Time Buyers in Maryland | Location Vocation from Herboso and Associates llc

Home Buying Tips for First Time Buyers in Maryland ! Don't Try To Steal it! from Herboso and Associates llc

Home Buying Tips for First Time Buyers in Maryland | Can You Afford It? from Herboso and Associates llc

What if you don't have the money for the down payment?

If your funds are low and saving for a down payment has become very difficult, you are in luck if you want to live in Maryland today

Our state government of Maryland along the county & city governments, have the funding available to help
and assist you as a first time home buyer . . . 
and purchase your first home today.
The reason why they want to help you is that they want to stimulate the economy and they have allocated lots of money to help first time home buyers in the form of cash, down payment assistance, gifts and/or credits . . all of which could decimate the money you will need to buy a home today!

What if you are having issues with your credit?

That is another obstacle that can easily be fixed if you are working with the right people that wants to make it happen..

CLICK BELOW TO GET STARTED! 

WE CAN HELP YOU NOW!

First Time Home Buyer Education

4 Reasons Why Buyers Shouldn't Buy a New Home Alone

4 Reasons Why Buyers Shouldn't Buy a New Home Alone

Why do you need a Realtor when buying a new home from a builder?  

 

Questions to ask:

What are the build cost per sq ft?

What is the average selling prices of new homes in Clarksburg Md?

Our knowledge in the new construction market for our local market can be valuable 

 

CLICK HERE TO ENTER OUR NEW WEBPAGE CLARKSBURG MARYLAND NEW HOMES PORTAL

Please Check Our New Construction Listings in Clarksburg Maryland...

 

Brochure - Video - Virtual Tour - Photos Drone - Pictures - Request Information - Map - Schools

Brochure - Video - Virtual Tour - Photos Drone - Pictures - Request Information - Map- Schools

Brochure - Video - Virtual Tour - Photos Pictures - Request Information - Map - Schools

if you are a buyer...give us a call for a free new home consultation

 

301-246-0001

4 Reasons Why Buyers Shouldn't Buy a New Home Alone

Clarksburg Maryland HOT NEW SPEC HOME OPPORTUNITY - FOR SALE !

Clarskburg Maryland 

HOT - NEW - OPPORTUNITY 

BUILDER'S SPEC HOME FOR SALE

SAVE THOUSANDS OF DOLLARS!!!

You are not just buying a home in Clarksburg Maryland..

You are buying a new lifestyle. .

You are buying your "White Picket Fence Dream Home"

You are  looking for a new community that will offer you not only great homes but, also elevate the quality of your lifestyle while keeping you close to work in the Washington Metro Area 

 

Look no more..

Clarksburg Maryland - The Secret is Out !

and this spec home is the opportunity you have been waiting for..

Opportunities like this come only once in a while...

WHAT IS AN SPEC HOME?  

If you are interested in purchasing a brand new home, but you don't want to wait several months to have the home built from the ground up, then purchasing a spec home is a great option for you.

 

Are you ready to make a move? 

You can own this spec home 30 days from now...

 

As you relax in your new bedroom. . 

(staged  Master Bedroom - furniture not included) 

and ponder the possibilities . .

what to do  this weekend? 

Perhaps a short walk to the store or the restaurant? 

. . . or 

you can stay at home and prepare a meal for your whole family on you new beautiful kitchen..

This spec home was designed to incorporate the kitchen and the family room in one...

The family that cooks together....stays together

 

Crown molding, vibrant shinny warm wood floors, kitchen island ....plenty of space to make your life comfortable...

Vaulted ceilings in ALL BEDROOMS 

That's right!

Vaulted ceilings in all bedrooms are standard on this beautiful spec home.

4 bedrooms 3 FULL BATHS ...and that's only the upper floor!

That's how big it is....

Over 4,300 finished Sq. Ft. on 3 levels 

8' extension on all 3 levels

Finished rec room

Stainless Steel appliances and Granite Counters.

We GUARANTEE YOU A SPECIAL SALE PRICE

THAT WILL SAVE YOU AT LEAST $50,962.00

 

 

 

Brilliant colors, modern design to inspired your creativity....

while you relax in your luxurious bathtub. . . 

Bay windows, great views to the neighborhood that you belong.. . 

You work hard...

You deserve it. . .

Your family deserves it!

Make it an Office? . . . you make that call, is your home after all.....

 

A double car garage  on the back, corner premium lot, solid brick , picket fence....on and on and on.....

The bad news...

This is a spec home and there are very few chances this home will remain unsold in the next 30 days.

If you are remotely thinking about making a move to Clarksburg Maryland 

Please fill out the form below and one of our qualified agents will be in contact with you immediately to assist you buy this spec home

 

What you get from us by contacting us directly, 

Immediate delivery of our full brochure and the latest pricing obtained by the builder,

Information about our 2-1 program designed to help you sell your existing home and move in to your new home without glitches while saving you thousands of dollars....we are professionals , leave it up to us..

We protect your deposit, we protect your interests and we protect you from over-paying when you deal directly with the builder Representative

 

Don't misunderstand, 

Builders are not there to deceive you, but they want to make the most money from you when they are selling you a home

As soon as you show up unrepresented ...you will be required to sign this disclosure.

 

"The sales representative works solely for the builder, which means that he or she MAY ASSIST the buyer in purchasing the property, but his or her duty of LOYALTY is only to the HOME BUILDER"

(Builder Disclosure) 

Making it very clear that calling us to help you negotiate the best terms for this spec home is an intelligent move for you.

 

Please fill out the form below and one of our qualified agents will be in contact with you immediately to assist you with more information to buy this spec home

 Maxus Realty Group is not the listing broker for this property, but obtained permission to market this spec home as such

Please contact Fernando Herboso for more details

240-4726-5754

 

 

 

 

Spec New Home For Sale in Clarksburg MD 

 

 

 

Secret Selling Tips for Home Sellers in Maryland

Secret  Selling Tips for Home Sellers 

Are you planning to sell your house?

Or planning to move to a new house and selling your old house?

Here are some secret home selling tips to make your home  attractive to a buyer.

You should pay attention to certain steps to help you sell it at  the highest potential your house will sell for.

Being just familiar with the market to price your home does not cut it anymore. 

The Internet has created more sophisticated buyers out there and they are very intelligent to the buying process.

Price is only a portion of what influences your home to sell.

Plan some strategy with your Real Estate Agent as to how to advertise and promote your home to sell.

As an example, 
A big misconception is when someone boasts that their home SOLD on the very first day.

A savvy real estate agent knows that when a home sells in one day..

It was under-priced!

There is no way anyone can achieve the full  potential of a marketing strategy ..to sell a home ...in one single day.

Selling a home is easy...at any price.

Selling a home for the highest potential of value is an art form.

You need to  consult with a listing specialist to assure yourself the recovery of 100% of equity from your home.

You deserved and are entitle to receive it...
Here's how to begin...

5 Secrets to sell your home for the most money

Secret #1

Secret #2

Secret #3

Secret #4

Secret #5

These tips for selling your home at the highest price comes  from people who specialize on selling homes. There's a lot to consider before you take every next step, so take your time. 

And remember...

....it's useless to do the selling on your own if the revenue taken from not hiring an agent is lost at the closing table

EXPERIENCE COUNTS!

EXPERIENCE PAYS!

www.ReallyNiceHomes.com/selling

Programs For First Time Home Buyers in MD

First Time Home Buyers Grants and Programs in Maryland 

CREDIT REPAIR SERVICES | FIRST TIME HOME BUYER PROGRAMS in MD

My name  is Fernando Herboso, Broker/CEO for Maxus Realty Group. In the last few months, I have developed a team of dedicated professionals to help anyone who has the desire to become a homeowner today in Maryland.

My team can help you repair your credit or simply increase your credit scores before you can buy a home. Their help could literally save you hundreds of dollars per month on your mortgage payments.
Our credit repair program is designed to chart the course, and give you the exact steps to find the quickest way to raise your credit scores so you can buy a home in 2014

They also have full knowledge of any cash, down payment assistance, gifts and/or credits that is available for you based on your current financial status.

While some of these funds are well known to some people, there are others that are available and get very  little attention from the public..as a matter fact, even some real estate agents and  loan officers  are not even aware that some of these programs exist!

If you have a genuine desire to become a homeowner in 2014, all you have to do is raise your hand by clicking the picture below

Watch Ten Mistakes First Time Home Buyers Make When Buying a Home 

If you are ready to buy now or you are just in the beginning stages considering  the possibility of purchasing a home..

We won't fail you!

We invite you to call us and set an appointment to discuss your particular situation. 

This is the opportunity you have been waiting for!

Clcik on the picture below and take your first step  that will make a huge different to your financial freedom 3 -5 -10 years from now

First Time Home Buyers Grants and Programs in Maryland 

CREDIT REPAIR SERVICES | FIRST TIME HOME BUYER PROGRAMS in MD

First Time Home Buyers Grants and Programs in Maryland 

CREDIT REPAIR SERVICES | FIRST TIME HOME BUYER PROGRAMS in MD

My name  is Fernando Herboso, Broker/CEO for Maxus Realty Group. In the last few months, I have developed a team of dedicated professionals to help anyone who has the desire to become a homeowner today in Maryland.

My team can help you repair your credit or simply increase your credit scores before you can buy a home. Their help could literally save you hundreds of dollars per month on your mortgage payments.
Our credit repair program is designed to chart the course, and give you the exact steps to find the quickest way to raise your credit scores so you can buy a home in 2014

They also have full knowledge of any cash, down payment assistance, gifts and/or credits that is available for you based on your current financial status.

While some of these funds are well known to some people, there are others that are available and get very  little attention from the public..as a matter fact, even some real estate agents and  loan officers  are not even aware that some of these programs exist!

If you have a genuine desire to become a homeowner in 2014, all you have to do is raise your hand by clicking the picture below

I'm so certain that my team of professionals can help you buy a home in 2014 that:

I'm willing to give you a personal guarantee!

If my team can not help you obtain a mortgage to buy a home in 2014. . .
I will pay you five hundred dollars ($500.00) for your trouble. (call us for details) 

If you are tired of people overlooking you with indifference the second your application becomes an issue that needs lots of work. . .
This is the opportunity you have been waiting for!

Clcik on the picture below and take your first step  that will make a huge different to your financial freedom 3 -5 -10 years from now

First Time Home Buyers Grants and Programs in Maryland 

First Time Home Buyers Grants and Programs in Maryland

First Time Home Buyers Grants and Programs in Maryland 

There is absolutely no reason why anyone who has decent employment and wants to buy a home today 
. .couldn't do it.

The reason why people say buying is better than renting is simply because it is true!

You are paying a mortgage anyway!

I can assure you. You are better off paying your own mortgage that your landlord's. . 

What if you don't have the money for the down payment?

If your funds are low and saving for a down payment has become very difficult, you are in luck if you want to live in Maryland today

Our state government of Maryland along the county & city governments, have the funding available to help
and assist you as a first time home buyer . . . 
and purchase your first home today.
The reason why they want to help you is that they want to stimulate the economy and they have allocated lots of money to help first time home buyers in the form of cash, down payment assistance, gifts and/or credits . . all of which could decimate the money you will need to buy a home today!

What if you are having issues with your credit?

That is another obstacle that can easily be fixed if you are working with the right people that wants to make it happen


If you have a genuine desire to become a homeowner in 2014, all you have to do is raise your hand by clicking the picture below

I'm so certain that my team of professionals can help you buy a home in 2014 that:

I'm willing to give you a personal guarantee!

If my team can not help you obtain a mortgage to buy a home in 2014. . .
I will pay you five hundred dollars ($500.00) for your trouble. (call us for details) 

If you are tired of people overlooking you with indifference the second your application becomes an issue that needs lots of work. . .
This is the opportunity you have been waiting for!

Clcik on the picture below and take your first step  that will make a huge different to your financial freedom 3 -5 -10 years from now

First Time Home Buyers Grants and Programs in Maryland