What’s the Difference Between Preapproval vs Prequalified vs Underwritten? The lines between these levels of loan applications are often blurred. And buyers aren’t always aware that choosing the wrong one can cost you time, money, and even the home you fall in love with. By the end of this article, you’ll know exactly which level […]
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How much money should homeowners keep in an emergency fund? Plus 4 Tips to Build Your Emergency Fund Faster Unexpected expenses are a part of life — but when you’re a homeowner, those surprises tend to be bigger, more expensive, and far more disruptive. That’s why, whether you’re a current homeowner or aspiring to
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#1 Mistake Sellers Make Before Even Hitting the Market Why Your First List Price Matters More Than You Think Most sellers don’t lose money at the negotiation table — they lose it before the first showing ever happens. It happens the moment they choose their list price. Overpricing feels harmless. It sounds like “testing
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Why the News Says Inventory Is Up but My Area Feels Opposite Why national headlines about the real estate market feel disconnected from your personal reality You ever hear something on the news, look around your neighborhood, and think… “Where? That’s not what’s happening here!” Well that is certainly the case when it comes to
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Need‑to‑Know’s About Taxes, HOAs, and Condos in Harford County What every buyer should understand before falling in love with a home If you’re shopping for a home in Harford County you’re probably focused on the big stuff: price, location, condition, layout. But the real cost of owning a home goes deeper than the list price.
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How Millennials Can Buy A Home Today 3 Myths That Are Holding You Back Most millennials don’t have a home-buying problem… They have an information problem. Scroll social media long enough and you’ll hear the same message repeated: “Homes are unaffordable.” “Our parents paid $9,000 for their first house.” “Interest rates are at a
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How Real Estate Agent Commissions Work A Clear, Transparent Breakdown for Both Buyers and Sellers Most people don’t realize this, but over the past several years there have been multiple national lawsuits centered around how real estate agent commissions are paid. Those cases have created a lot of discussion within the industry, and for
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5 Factors That Determine Your Credit Score (And How To Improve Your Credit Fast) “I pay my bills on time… so why is my credit score not going up?” I hear this all the time. Most people think credit scores are just about paying things on time—but that’s only part of the picture. In
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Will Home Prices Drop When Interest Rates Come Down? (How Interest Rates Affect Home Prices) A lot of buyers are waiting for interest rates to come down so they can afford a new home. I hear this all the time—especially here in Harford County. And on the surface, it makes sense. Lower rates should
4 Simple Tips to Lower Your Closing Costs (for Buyers and Sellers) Created Courtesy of Canva You’re under contract on a house for $400,000…not a bad price for Harford County, MD. But you just got the settlement statement and it says your total due is $432,000! What the ….!? That extra $32,000 is about
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