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 ?

Outlet Project in Clarksburg MD is Dead......Not!

Outlet Project in Clarksburg MD is Dead......Not!

Oh no! 
The news hit like a virus all over Clarksburg residents
A simple announcement from Tanger Factory Outlets on May 1st 20014

"Tanger announced it was abandoning its proposed project in Montgomery County as well as one in Scottsdale, AZ" according to the Washington Business Journal

Apparently Tanger Factory Outlets Centers Inc. has decided to can the project bringing their business into Clarksburg Maryland. 
After  a long hard fight with city and county leaders, after spending 1.6 million dollars for pre-development costs., they threw the towel in and wished they never heard of Clarksburg Maryland and Ten Mile Creek (a huge reason for their expense) 

This is bad news for Tanger Factory Outlets
But, 
It is good news for a company named Simon Property Group because they also had another proposal to open a high premium outlet center just outside exit #18 Clarksburg - Boyds exit on I-270 
Tanger lost
Simon won!

Yes, the news around Clarksburg is that the outlet center idea is dead...
But, most people do not realize that the Clarksburg Premium Outlets Center from Simon Property Group has been approved!!!

They were two applications and there was only one winner!
Simon says..."we will be open for business on Spring 2016!"

Let's break in the champagne!

Simon Property Group is located in Indianapolis Indiana and they are known to bring only high premium stores to their "mall" outlets. 
Don't expect to see Walmart on their grounds. .

Another company that has already committed to build 1500 homes is Winchester homes. They are not kidding around, the construction madness has begun, read more about the Cabin Branch Homes in Boyds-Clarksburg here 

As you can see, some houses have already been constructed and the selling boom has begun

Winchester Homes is the first builder and developer for 1500 planned homes and the construction madness has just began!

Cabin Branch will be a unique neighborhood surrounded by Parks and plenty of open space that will  get you off the couch to get outside..and enjoy all what this one-of -a- kind community has to offer!

See The Outlets Right Now in the Video Below

Now See The Outlets below in 24 months.....

Considering moving to a Cabin Branch Home?
More info here

Author: Fernando Herboso is a real estate broker with Maxus Realty Group in Clarskburg Maryland writing via his blog in www.ReallyNiceHomes.com. He can be reached at 301-246-0001

Outlet Project in Clarksburg MD is Dead......Not!

Grants To Help Military Families Buy Homes In Virginia - DC - Maryland

Virginia - DC - Maryland

Military Housing Relocation Help 

Grants Help Military Families Buy Homes 

When you need an advocate to help you in the relocation of your military family..
We are one phone call away. .
Allow us to introduce you to this  new program that offers financial assistance to first-time home buyers who are veterans or active-duty military members.

Many families are struggling to buy their first home nowadays, but for military families, it can be even harder!

Military families frequent moves around the country and overseas puts them at a disadvantage when it come to housing. . specially when they have to save money  for a down payment, a lot of them simply give up their dream of buying a home and put it for a later date.

But now, buying a home for military families has become easier with the introduction of: 

“The  Dream Makers Program" from PenFed Foundation.

Service members and veterans of all branches of the military are eligible to apply. 

This  includes all active duty as well as Guard and Reserve members ... even widows of service members are eligible.

You must be a first-time home buyer, or have not owned a home for the last three years. 

In some cases, those who have lost their homes through divorce or disaster may also still qualify.

See more information in the video below. .

www.ReallyNiceHomes.com/MILITARY

WHEN YOU NEED HELP. . WE ARE HERE FOR YOU

www.ReallyNiceHomes.com/MILITARY

Our  real estate knowledge is always up-to-date. For expertise you can depend us, call us when you have questions about the market or are ready to make a significant move. . .Quality representation is not expensive, its priceless!

We are: Expert Advisors who knows the "ins and outs" of the area plus understands the special needs that military families require.

Evaluation of new communities surrounding your base should begin with a cost of living analysis. Most likely the costs are substantially higher in the Washington Metropolitan area than in your present location, you will need the assistance of a professional real estate advisor to discuss the different options you have.

                            

                                                    Virginia - DC - Maryland

Military Housing and Real Estate 

www.ReallyNiceHomes.com/MILITARY

We Buy Houses in DC | FAST | CASH | AS IS

We Buy Houses in DC

 FAST | CASH | AS IS 

How to Sell Your House Fast , For Cash and AS IS 

You may be faced with the case where you have to sell your home right away. 
You don't the time to fix it, stage it, hire a real estate company, put in the market for weeks (maybe even months), wait for offers and take another 30 to 45 days to settle 
During that time,
The buyer may lose his/her job
The appraisal may not come in at the sales price
The home inspection may discover major issues with your house
You may have to fire your Real Estate Agent and hire a new to start all over again. .

What happens if your situation may be due to bankruptcy or an awaiting foreclosure, a divorce, or simply you are ready to move on and don't feel to bother with the preparations and ordeal to sell a house. .
So, how do you make sure that you get the best deal and the top price at such times? 

"You need to sell your home fast . .for cash and AS IS to solve your problem"

As an experienced Realtor/Broker my advice is that you can still assure yourself to a much higher. . price fast and for cash by just prepaying your house and offer it to local investors.

You can consider the following points.

BE PREPARED: You must be mentally prepared to sell your property. Even more so when this needs to happen right away, especially if you have been living in your house for a number of years. Get ready to move FAST if you want to sell it FAST

FIX UP: Look at your house from an objective standpoint and remove any flaws that you could easily do yourself easily. In some cases, just getting rid of bulky  items around may make your house more valuable to an investor.
Give old furniture away, donates it, sell it on a yard sale. . if you don't use it. .lose it!
Declutter your property, before showing it to potential Investors to get more money..  and this will help you to sell the home more quickly.

PRICE IT RIGHT: The price is the most deciding factor while selling a property quickly. Specially to investors. They are buyers because that is what they do for a living. .buy low, take their time, risk their money and hoping to sell it for more later. You have to be fair and allowed a profit margin for them.

SET YOU EXPECTATIONS: You must understand this, If you want to net most money to sell your house, you need time and money. But if you want to take the easy road to just pick up what you need, leave the trash behind and sell it AS IS for cash in a matter of just a few days. .then you need to set your own expectation as far as the price you are cooking to get. 

Decide, set up the amount you will accept in the price and move on!

Having a plan in place will help by following these points and put you  on the right path to selling your property in Washington DC quickly and getting the right price for it. 

More information to Sell Your House in DC HERE

ARE YOU READY TO GET 

Give us a call now: 

http://www.youtube.com/watch?feature=player_embedded&v=-MhgzJwl8HY

We Buy Houses in DC

 FAST | CASH | AS IS 

Buy My House in Washington DC FAST and You Clean it up!

Sell My House in Washington DC FAST | 

Sell My House for CASH and I'll Leave The Trash!

Buy My House in Washington DC FAST and You Clean it up!

Under normal circumstances If you want to sell your house, the first thing you must do is clear out the clutter to  help you sell your home for top dollar. 

Clutter is the enemy of the highest potential price you can sell your home for and this means getting rid of all those items that were accumulated trough the years . .a daunting task for so many. .

Then comes the repairs. . . .

As soon as  you put a home up for sale these days, you're facing stiff competition,  just in the Washington DC area, buyers are faced with  lot of homes for sale, but when you include Northern Virginia and  Maryland nearby, the amount of listings triple when  a buyer does not care for the location but just wanted to live in the proximity to Washington DC

Before putting your house for sale, you must make all the little repairs you've always meant to do but never had the time for.

This includes starting  with the roof with missing shingles and/or  brittle materials all the way down to your basement that may contain water damage and even mold!

As you proceed to repair and give a fresh coat of paint, all the floors, bathrooms and the kitchen need you attention as well . . if you want to sell you house for top dollar. 

Or . . .you can just sell your house AS IS and never lift a finger.

As a real estate agent over the years I've seen how this can become a burden to so many people and this is why we've created a program to help you sell your home fast, for cash and most importantly AS IS Where it IS - Don't lift a finger!

I can assure you that you will not get TOP dollar for your home is this is the road you want to take. Investors buy houses to make money and you have to give them room for this. .

But this maybe the solution you are looking for. . drop your keys, get your cash and move out!

What about paying commissions?

continue reading here for Washington DC 

or to sell your house in Maryland CLICK HERE

Our Easy Process for Washington DC 

• You contact us 
• We evaluate by phone
• We meet to complete a detailed house history data form
• We present it to over 1000 of local investors in our database
• We bring you 3 offers
• You pick the best offer
• No commissions paid from your part
• We take care of the rest

                                                                                        

Q: OK, I'm ready to do it, what is my first step?

A: One call, that's all. .no long forms to fill out. .we cut the B.S. out!

Just call 301-246-0001, tell us you want to sell your house under the 3 offer program, answer a few questions and we'll do the rest!

Outside normal business hours?

Complete this simple form 

and you will be contacted ASAP

Sell My House in Washington DC FAST | 

Sell My House for CASH and I'll Leave The Trash!

 Buy My House in Washington DC FAST | Sell My House AS IS 

                                                              

3 Offers are better than one. .

This should be an easy choice  for smart sellers in the DC area who want to sell their house fast & for cash!

Our Easy Process

• You contact us 
• We evaluate by phone
• We meet to complete a detailed house history data form
• We present it to over 1000 of local investors in our database
• We bring you 3 offers
• You pick the best offer
• No commissions paid from your part
• We take care of the rest

Frequently Asked Questions

Q: Am I obligated to accept any of the offers?

A: Absolutely not, there is no obligation from your part until YOU DECIDE to accept one offer. You can terminate this process at any time before acceptance.

Q: My property needs a lot of repairs, has mold, foundation problems and it looks ready for a hoarder's prevention program. .so I still get 3 offers?

A: Absolutely, they will take care of all the repairs, clean out the junk. .you can even leave the food in the refrigerator if you want  . . they are ready to buy it from you now!

Q: Pueden ayudarme en Español? 

A: Con todo gusto, Español es nuestro lenguage nativo. Llame al 301-246-0001 y estamos a su disposicion.

More Q & A HERE

Q: OK, I'm ready to do it, what is my first step?

A: One call, that's all. .no long forms to fill out. .we cut the B.S. out!

Just call 301-246-0001, tell us you want to sell your house under the 3 offer program, answer a few questions and we'll do the rest!

Outside normal business hours?

Complete this simple form 

and you will be contacted ASAP

When We Say "Buy My House in Washington DC FAST and for CASH !"

We Mean It!

 Buy My House in Washington DC FAST | Sell My House AS IS 

Buy My House in Washington DC FAST and for CASH | Ready Buyers Now

       Buy My House in Washington DC FAST and for CASH | Ready Buyers Now

READY SERIOUS BUYERS FOR YOUR HOUSE TODAY!

                                                              

3 Offers are better than one. .
This should be an easy choice  for smart sellers in the DC area who want to sell their house fast & for cash!

Our Easy Process

• You contact us 
• We evaluate by phone
• We meet to complete a detailed house history data form
• We present it to over 1000 of local investors in our database
• We bring you 3 offers
• You pick the best offer
• No commissions paid from your part
• We take care of the rest

These investors want to BUY your house in any condition!

We push them to act fast and get them in a bidding mode to benefit you
Depending on your situation they can buy your house CASH,  even take over your payments, take over bad tenants, even if the house has severe mold issues, foundation problems. .etc

They'll  buy your house AS IS and WHERE IT IS!

And we are the ones to make it happen for you!

Q & A 3 Offers Program
FOR QUESTIONS AND ANSWERS CLICK ABOVE

CALL US NOW!

We Can Help!

   Buy My House in Washington DC FAST and for CASH | Ready Buyers Now