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Cindy Hartman, REALTOR®, e-PRO®

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What's an REO?
REO stands for “Real Estate Owned”. These are properties that have gone through foreclosure and are now owned by the bank or mortgage company. This is not the same as a property up for foreclosure auction. When buying a property during a foreclosure Read More...
Serious about selling your home?
Before you sign anything, read about these common mistakes that home sellers make: 1. PRICING TOO HIGH: It's no secret, price is everything. Overpricing does more to discourage buyers than any other single factor. When you overprice, you put your Read More...
Mortgage Late? Don't Wait!
Homeowners preserving Equity (HOPE) is a program of the Maryland Department of Housing and Community Development in partnership with the Department of Labor, Licensing and Regulations, community organizations and lenders. Call the Maryland HOPE Hotline Read More...
The First Time Home Buyers Tax Credit 7,500.00… what is it really?
Here's some good information from Maximum Title - the full answer is a little complicated. I f you are a first time home buyer (defined by the IRS), you have an income of less than $75,000 ($150,000 if married filing joint), and you bought a new home Read More...
Avoid ‘Un-Appeal’ - 13 Ways to Get Buyers Inside the Home
Here are some easy, inexpensive fixes that will help create that outside appeal and get you one giant step further to a sale: - Paint or stain the front and garage doors, especially if they show any weathering. These are the first visuals where a potential Read More...
Most Americans Couldn't Tell You What Their Home is Worth ...
Do you know the dollar value of your house—or how much of that value belongs to you? A number of key decisions can be more wisely made with the benefit of this knowledge. • Is your home adequately insured? If disaster were to strike, would Read More...