Just Reduced! | End Townhome in Gardenville | Baltimore, MD

Just Reduced! Townhome End Unit in Gardenville in Baltimore, MD 21206

Search current inventory of homes for sale in Gardenville in Baltimore, MD  21206

Listing Details

End Unit Townhomes For Sale in Gardenville in Baltimore

5425 Seward Avenue, Baltimore MD, 21206 Price: $120,000 MLS number: BA8462628 Bedrooms: 3 Bathrooms: 2 Square Footage: 1024 apprx.

Call Helene Kelbaugh of Keller Williams Realty Baltimore @ 443-465-8443 to see if this property is still available and arrange a showing.

Find similar Townhomes for sale in the Gardenville area in Baltimore, MD  21206

Get the value of your home or condo in today's market

Stop your search! If you are looking for an amazing home in the Gardenville Community in Baltimore, you have just found it. Gardenville couldn't be more conveniently located. Sitting just a stones throw away from major roads. 

You Will Love Living in this Beautiful Home

Wonderful opportunity to own a well priced, semi detached end unit townhome in Gardenville in Baltimore. This home is beautiful and move in ready.  A beautiful Cherry Blossom tree greets you in the well maintained front yard.  An open spacious living and dining room, with carpet floors, greets you upon entry.  The open dining room and living is large and open.  The galley kitchen is quaint and leads out to a beautiful fenced in yard.  The appliances include a refrigerator, washer and dryer.   

Master bedroom

The Master bedroom is an relaxing spot.  Keep the master bedroom as it is or use your imagination and do what you want!

Back Yard

The fenced in back yard is level and spacious!  It has a nice shade for those sunny days.  Stay cool hanging out in the backyard! You can enter the back yard by the side of the home or go through the nice kitchen!  

Fully Finished Basement

The finished basement is the spot to be for lots of enjoyment!  Fully carpeted.  In addition there is a ton of storage.  The best thing is the storage is cleaned and sectioned off so no worries as to putting those things away, out of sight and out of mind. 

Gardenville End Unit Townhome in Baltimore, MD  21206

The community itself shows the pride of home ownership of the people living there. This established community is a great place to research great homes and living area.

Living in Gardenville

This area of Baltimore, MD is close by major roads and highways.  These highways and roads such as 695 and 95 are the arteries to major employers, colleges, schools, hospitals and more.

The Gardenville community is a great place to call home. You will not be disappointed if you end up living here. You can find homes for sale in Gardenville (if there are any available today) on my website.

Would you like to know how much your Gardenville Home is Worth?

There are a number of sites on the Internet that will give you 'estimates' for what your home will sell for. These sites use public records and usually some kind of algorithm to try to produce a value for your home. These sites also publicly state their 'error rates'. That means they aren't correct, they are simply an estimate based on incomplete date. We would love to do a free comparative market analysis of your home in Gardenville and let you know what you could expect to get in today's market if you are considering selling. Our valuation is based on up to the day data for homes that have recently sold in the area. Our valuation is not based on a formula that relies on public records which can take months to update. Please visit my website in order to get your free property evaluation for your Gardenville home.

Get Detailed Reports about Gardenville

If you would like detailed demographic information about Gardenville as well as school reports or market trends and statistics (including recent sales in the area) please visit my website.

My success is built on your happiness by providing a quality experience with 1st class service.

      

Helene Kelbaugh, REALTOR

Internet Marketing Specialist Designation

Keller Williams Realty Baltimore

2936 Odonnell Street

Baltimore, MD  21224

410-342-4444o 443-465-8443 m

410-342-0873 fax

www.HeleneSellsHomes.com - Search for Homes

www.BaltimoreIsBeautiful.com - Baltimore Homes

www.MobileAppHomeSearch.com - Use code KW2JZ0QHX to connect with me

How Much Home Can You Afford | Baltimore First Time Home Buyer | Maryland

How Much Home Can You Afford | Baltimore First Time Home Buyer | Maryland

The single most important part of buying a house is figuring out how much you can realistically afford to pay.

You'll have to take a good look at your budget, debts, credit reports, and credit score.  Once you have a good picture of your financial status, start saving as much money as you can for a down payment, closing costs and any other extra expenses that come along with buying a house.  Extra expenses could include paying for a home inspection (around $300 - $500 depending on where you live), home warranty, repairs or hiring a moving company after the sale is final.

Depending on the condition of your finances -- if you have a lot of debt, errors on your credit report, or a low credit score -- getting ready financially could take six to 12 months or more!  If your credit score falls below 640, lenders may see you as a risky borrower.  It might be worth your time to take a year and work on building a better credit report before taking on the responsibility of a mortgage.  Also, if you qualify for a lower interest rate you could save thousands of dollars over the life of the loan.  

*Be wary of companies that offer to repair your credit for a fee.

Determining a Mortgage You Can Live With
There are a few basic formulas commonly used by lenders to determine how much of a mortgage you can reasonably afford.  These formulas are called qualifying ratios because they estimate the amount of money you should spend on mortgage payments in relation to your income and other expenses.  It is important to remember that these ratios may vary from lender to lender and each application is handled on an individual basis, so the guidelines are just that - guidelines.
Generally speaking, to qualify for conventional loans, housing expenses should not exceed 26 to 28 percent of your gross monthly income.  Monthly housing costs include the mortgage principal, interest, taxes and insurance.  For example, if your annual income is $30,000 your gross monthly income is $2,500, and $2,500 x 28 percent = $700.  So you would probably qualify for a conventional home loan that requires monthly payments of $700. 

In Closing

It is important that you select a home that will meet your family needs and keep your happy for years to come.

Next Steps
Make an appointment now with a REALTOR.

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www.HeleneSellsHomes.com

www.LuthervilleHouseValues.com

Helene Kelbaugh of 

KELLER WILLIAMS REALTY BALTIMORE

2936 ODONNELL STREET

443-465-8443 DIRECT 

410-342-4444 OFFICE

Getting a Mortgage | Baltimore First Time Home Buyer

Getting a Mortgage  |  Baltimore First Time Home Buyer

by Helene Kelbaugh of Keller Williams Realty in Baltimore

Why so much paperwork for getting an Mortgage?

Why is there so much paperwork mandated by the bank for a mortgage loan application when buying a home today and getting a mortgage? It seems that the bank needs to know everything about us and requires three separate sources to validate each and every entry on the application form. Many buyers are being told by friends and family that the process was a hundred times easier when they bought their home ten to twenty years ago.

There are two very good reasons that the loan process is much more onerous on today’s buyer than perhaps any time in history.

1. The government has set new guidelines that now demand that the bank prove beyond any doubt that you are indeed capable of paying the mortgage.

During the run-up in the housing market, many people ‘qualified’ for mortgages that they could never pay back. This led to millions of families losing their home. The government wants to make sure this can’t happen again.

2. The banks don’t want to be in the real estate business.

Over the last seven years, banks were forced to take on the responsibility of liquidating millions of foreclosures and also negotiating another million+ short sales. Just like the government, they don’t want more foreclosures. For that reason, they need to double (maybe even triple) check everything on the application.

However, there is some good news in the situation.

The housing crash that mandated that banks be extremely strict on paperwork requirements also allowed you to get a mortgage interest rate probably below 5%.

The friends and family who bought homes ten or twenty ago experienced a simpler mortgage application process but also paid a higher interest rate (the average 30 year fixed rate mortgage was 8.12% in the 1990’s and 6.29% in the 2000’s).

If you went to the bank and offered to pay 7% instead of <5%, they would probably bend over backwards to make the process much easier.

The Value of Getting A Mortgage

Bottom Line

Instead of concentrating on the additional paperwork required, let’s be thankful that we are able to buy a home at historically low rates.

Contact Mortgage Professional for Approval


Next Steps
Make an appointment now with a REALTOR, First Time Home Buyer Specialist.

Start your Baltimore Home Search at www.HeleneSellsHomes.com now.

Ref: KEEPINGCURRENTMATTERS.COM 8

Follow Me Socially!

 

     
www.HeleneSellsHomes.com

www.LuthervilleHouseValues.com

www.MobileAppHomeSearch.com

Helene Kelbaugh of 

KELLER WILLIAMS REALTY BALTIMORE

2936 ODONNELL STREET

443-465-8443 DIRECT 

410-342-4444 OFFICE

Open Houses in Baltimore

Open Houses in Baltimore

by Helene Kelbaugh of Keller Williams Realty in Baltimore

What Are Open Houses?

Open Houses are when the sellers agree to let their listing agent, representing them, to open the doors to their home and allow the general public to walk through the home.  Sometimes the agent hosting the open house may not be the sellers listing agent, however, in Maryland the agent hosting the open house is representing the sellers interest and no other party.  Open Houses are generally 1-2 hours.  Visitors generally do not have an appointment.  This gives you an opportunity to view the home on your own with possible other visitors present.  Occasionally the sellers may be on site, but generally the sellers are not present during the open house.


Find Open Houses in Baltimore

You can visit my site www.HeleneSellsHomes.com to find all Open Houses in Baltimore or simply click view Baltimore County Open Houses.

In addition, using my website www.HeleneSellsHomes.com gives you the resources and tools to search for homes in Baltimore for sale and set up listing alerts to be notified immediately when homes hit the market that match the criteria you set up!  These services are FREE!

Create a Free Account Now!

Create an account to get access to market analysis, demographic information, and insider tips in Baltimore.  Remember registration is free and we will NEVER sell your information

When you complete the free registration, you'll be able to:

• View market trends
  Learn about local trends including price changes, number of listings available, and average selling time.
• Research a community
  Find out about the best schools in an area and see demographic trends.
• Get real time updates
  Find out about new homes as soon as they hit the market
• 
  

Shhhhhh!!  The Agent at the Open House Represents the Seller

As a buyer, walking through the sellers door at an open house in Baltimore is exciting and it's easy to start talking about your goals, plans, financing and more to the REALTOR® hosting the open house. SHHHHHHHH!!!  Do not do this!  In Maryland, the agent or licensed professional holding the open house during the open house time period represents the seller!  Anything you say or do could be used during negotiations should you move forward with an offer on that home.   How can you protect your buyer interest?  Best bet is to hire a REALTOR® in Baltimore to represent you.  So that when you do go to open houses on your own you can give the agent hosting the open house my card for follow OR make your own private appointment with your REALTOR® to view the home.  Keeping quiet and hiring your exclusive Baltimore Agent to represent your buyer interest, keeps your side protected.

Buyer Affordability



Open House Home Search

Using my website www.HeleneSellsHomes.com gives you the resources and tools to search for Open House in Baltimore for sale and set up listing alerts to be notified immediately when homes hit the market that match the criteria you set up!  These services are FREE!

Create a Free Account Now!

Create an account to get access to market analysis, demographic information, and insider tips in Baltimore.  Remember registration is free and we will NEVER sell your information

When you complete the free registration, you'll be able to:

• View market trends
  Learn about local trends including price changes, number of listings available, and average selling time.
• Research a community
  Find out about the best schools in an area and see demographic trends.
• Get real time updates
  Find out about new homes as soon as they hit the market

Open Houses vs Broker Opens

While searching my site www.HeleneSellsHomes.com or other popular sites for open houses to visit, you may see 2 different terms.  Opens House or Broker Open.  It's good to know the differences between the two types of open house you may see in Baltimore.

Open Houses are open to the general public.  They are for open to the public to view, typically on Saturdays and Sundays in the afternoons, only for a few hours.

Broker Opens are traditionally held during the week and are more for other agents and brokers in the area, often in party style. Agents have buyers and this gives great exposure of the homes to other agents who may have qualified buyers looking for that type of home.

I would recommend meeting with a REALTOR® and scheduling your own private appointment to preview the home.  This way you can speak freely and comfortably about the property with your agent.  Most buyers prefer and appreciate the privacy and ability to speak freely with their Buyer Agent during their own private appointment.


What Comes First?

Most buyers start with their search online looking through hundreds of websites, some with good data and other with bad data, and so much random information.  I would would recommend instead of trying to figure out the clutter, especially if a first time home buyer, Meet with a REALTOR® in Baltimore.  Buying a home is one of the biggest financial decisions most people make in their lives. Starting with a professional with make the process easier, clear and give comfort with the decisions that are about to be made.


What's next?

Make an appointment with me today.

Follow Me Socially!

 

     
www.HeleneSellsHomes.com

www.LuthervilleHouseValues.com

www.MobileAppHomeSearch.com

Helene Kelbaugh of 

KELLER WILLIAMS REALTY BALTIMORE

2936 ODONNELL STREET

443-465-8443 DIRECT 

410-342-4444 OFFICE

First Time Home Buyer Agent in Baltimore

First Time Home Buyer Agent in Baltimore

by Helene Kelbaugh of Keller Williams Realty in Baltimore

Why Work with a Realtor®?

Buying a home is a big step.  In fact, buying a home is one of the biggest financial decisions most people make in their lives.  With that being said navigating the in's and out's of a real estate transaction is complex.  Each purchase is unique to each person, home, location, buyer, seller, loan and many other unique and legal items.  Putting your biggest financial investment in the hands of an experienced Real Estate Buyer Agent Professional in Baltimore is critical.

As a REALTOR®, I specialize in working with Baltimore First Time Home Buyers.  Working with First Time Home Buyers is a speciality.  Intimate knowledge of the home buying process is important.  But understanding that buying a home for the first can feel overwhelming, patience and regular communication is critical.  These are skills and knowledge that experience working with many First Time Home Buyers has given me.  The joy and excitement of giving my Baltimore First Time Home Buyer clients their very first set of keys to their very first home is a thrill each and every time.


Buyer Affordability



My Team

With years of experience as a REALTOR® in Baltimore that specializes in working with First Time Home Buyers in Baltimore, having a team of professional resources ready and available to work with your transaction helps ensure a smooth transaction, from start to finish.  Just a few of the key professionals involved are the Mortgage Lender, Home Inspector(s), Title Attorney and other professionals as needed.  Having built a solid working relationship with these various professionals has allowed me to continue to provide exceptional services to my buyer clients.


Home Search

Using my website www.HeleneSellsHomes.com gives you the resources and tools to search for homes in Baltimore for sale and set up listing alerts to be notified immediately when homes hit the market that match the criteria you set up!  These services are FREE!

Create a Free Account Now!

Create an account to get access to market analysis, demographic information, and insider tips in Baltimore.  Remember registration is free and we will NEVER sell your information

When you complete the free registration, you'll be able to:

• View market trends
  Learn about local trends including price changes, number of listings available, and average selling time.
• Research a community
  Find out about the best schools in an area and see demographic trends.
• Get real time updates
  Find out about new homes as soon as they hit the market

Mobile App Home Search

Looking for homes on the go?  We have an App for that!  Visit www.MobileAppHomeSearch.com download the APP and get FREE instant access to local homes from any cell or tablet.  My Keller Williams Realty Real Estate Search Mobile App is available on Android, iPhone or iPad.  Already have the KW App?  Tap "MY Agent" and enter my code "kw2jz0qhx" to connect with me and search for homes on the go!




What do others say about Helene Kelbaugh?

After having the pleasure of working with so many First Time Home Buyers in Baltimore, I've had the opportunity to meet and be introduced to family and friends and help more buyers accomplish the goal of home ownership.  Having worked with so many great people, they have a few gracious things to say about me.  I appreciate each and every experience and look forward to providing the same exceptional services to you!

Read the Testimonials and see what others say about Helene Kelbaugh

What's next?

Make an appointment with me today.

Follow Me Socially!

 

     
www.HeleneSellsHomes.com

www.LuthervilleHouseValues.com

www.MobileAppHomeSearch.com

Helene Kelbaugh of 

KELLER WILLIAMS REALTY BALTIMORE

2936 ODONNELL STREET

443-465-8443 DIRECT 

410-342-4444 OFFICE