Baltimore First Time Home Buyers: First Time Home Buyer Agent in Baltimore

Showing posts with label First Time Home Buyer Agent in Baltimore. Show all posts

Thursday, December 11, 2014

Baltimore Local Utilities and Services | Baltimore Real Estate

by Helene Kelbaugh of Keller Williams Legacy Metropolitan in Baltimore

Welcome to Baltimore!

Whether you are just beginning your home search or have just closed on a home part of the process is getting your Baltimore Local Utilities and Service scheduled for installation and service. Today services like internet and television are a necessity versus the extra "perk" expense they used to be in years past. Stay connected and minimize your down time by scheduling your transfer or installation of services in sufficient time.

Tips for the best deal

1. Make a list of services you and your family will need. Sometimes there are different packages and promotions available. For example if you are a sports fan, you may want a package geared towards more sports channels vs movie promotions.

2. Many of the Cable providers may offer a "bundle" package that may on the surface appear to be cheaper, however keep asking about other bundles. For example if you don't have a house phone or a need for one due to having a cell phone, it may be better to get a package with fewer products bundled.

3. New customer? You may just be in luck! Whether you are switching services or brand new to all, you may be able to get a even sweeter deal for being a new customer. The deal could even trump the promotions. Keep asking questions! It's worth the wait and conversation with the Customer Service Rep.

4. If there are two in a household, you may even be able to put service in the other persons name to get even more savings.

5. Always check availability while searching for your home to be sure the provider your are going to use is in the area your are moving to. The good news is Cable providers are growing and in more areas. Also check with the Home Owners Associations and Condo Associations. They may or may not allow certain providers in the community. For example, a condo building association may not a Dish on the side of the building or they may allow a dish but not allow drilling inside. Always good to find this info out ahead of time.

And as always, especially during holiday time, watch for the commercials, and ads. In addition to the great pricing on packages these providers may be giving even more incentives to set up service. For example, I recently saw a promotional commercial where a new subscriber would receive a $400 gift card and another commercial for a brand new tablet! It pays to shop!

Baltimore Local Utilities and Services

Cable Television, Internet & Phone

Water

Electric

Baltimore Gas & Electric

Start Your Home Search

Next Steps

Call or email me anytime to discuss how this information can benefit you!

Provided courtesy of Helene Kelbaugh of

Keller Williams Legacy Metropolitan

Hire a positive and proactive REALTOR to help you!

Call or text 443-465-8443 for information on Buyer Representation (NO COST TO HOMEBUYERS)

Buy A Home * Free Home Valuation * Area Information

Download My App Now!

Follow Me Socially!!

www.HeleneSellsHomes.com

www.MobileAppHomeSearch.com

Helene Kelbaugh of

Keller Williams Legacy Metropolitan

443-465-8443 DIRECT | 410-342-4444 OFFICE

Thursday, October 30, 2014

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.

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

Sunday, October 26, 2014

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.

Follow Me Socially!!

www.HeleneSellsHomes.com

www.LuthervilleHouseValues.com

Helene Kelbaugh of

KELLER WILLIAMS REALTY BALTIMORE

2936 ODONNELL STREET

443-465-8443 DIRECT

410-342-4444 OFFICE

Saturday, October 11, 2014

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.