Sharon's eNewsletter

BUYERS STILL ON THE FENCE? Here is one lender's perspective on waiting to buy. Lets breakdown these historically low rates. To understand a little better just how incredibly cheap mortgage money is to borrow. On a 30 year fixed rate loan, every $1000 dollars borrowed only costs $5.10!! per month. Since this money is tax deductible, after taxes it only cost $3.60!! per month. On a 20 year fixed rate loan, every $1000 only cost $6.30!! per month. After taxes that is only $4.40!! per month. On a 15 year fixed rate loan, every $1000 dollars only cost 7.35!! per month After taxes, that is only $5.15!! per month. WOW!! As the experts have said not in our generation, nor in our children's generation will we ever see rates this low again. So Don't Delay, Invest in your next home today! Give Sharon Curtiss with Hileman Real Estate, Inc. a call direct at 410-726-4260 or O: 410-208-9200.

For Sale: 4BR/2BA Single Family House in Ocean Pines, MD, $322,350

Fielding a Lowball Purchase Offer on Your Home Consider before you ignore or outright refuse a very low purchase offer for your home. A counteroffer and negotiation could turn that low purchase offer into a sale. Read Keep Your Home Sale from Falling Apart After finding a buyer, all you have to do to make it to closing is to avoid these five traps. Read 7 Tips for Staging Your Home Make your home warm and inviting to boost your home’s value and speed up the sale process. Read Visit houselogic.com for more articles like this. © Copyright 2010 NATIONAL ASSOCIATION OF REALTORS®

6 Tips for Choosing the Best Offer for Your Home Have a plan for reviewing purchase offers so you don’t let the best slip through your fingers. Read Keep Your Home Sale from Falling Apart After finding a buyer, all you have to do to make it to closing is to avoid these five traps. Read Understanding Real Estate Representation Whether you’re buying or selling, it’s important to choose representation that meets your needs in the transaction. Read Visit houselogic.com for more articles like this. Copyright 2010 NATIONAL ASSOCIATION OF REALTORS®

Essential Heating System Maintenance Getting your home’s heating system professionally serviced every year will keep it running smoothly and help keep heating costs under control. Read Save Money With an Insulation Upgrade Beefing up inadequate insulation is one of the quickest energy-payback projects you can do, resulting in lower heating and cooling bills and increased comfort. Read Chimney Maintenance for Warmth and Safety Maintaining your chimney and fireplace can make the difference between warm safety and drafty danger. Read Cleaning and Caring for Siding The annual cleaning and repair of your home’s exterior will pay off in a long life and increased value. Read Conduct Your Own Energy Audit A do-it-yourself energy audit can teach you how to be more energy efficient and make you a more-educated consumer should you decide to hire an expert. Read Visit houselogic.com for more articles like this. © Copyright 2009...

Did you ever wonder, what's so "short" about a Short Sale? It's no wonder that so many consumers are confused about the home buying process today with terms like, REO, bank-owned, pre-foreclosure, foreclosure, and the now infamous "Short Sale". Most consumers that are ready, willing and able to purchase these days are looking for a great buy and want to close on the property quickly, so when they see "Short Sale" in the advertisement for the property they naturally think it is going to be quick. Wrong. The only thing short about the "Short Sale" process is that the seller's pocket book is " short " since they don't have enough money (assets) to pay off what they owe to their bank (lender). Now I don't know about you, but if someone owes me money and they don't have enough to pay it off, I'm going to need some time to think about it. That is exactly what is going to happen with the bank when their borrower...

Sharon Curtiss, REALTOR with Hileman Real Estate, Inc. in Berlin, Maryland shares these 5 Tips for buyers interested in claiming the home-buyer tax credit? Below are five tips: 1. Don’t procrastinate. Start searching for a home now. Getting an early start will give you a better chance of finding the right house before the credit deadline. Before you start house hunting, get pre-approved for a mortgage, said Eddie Fadel, a Miami-based mortgage banker, and do a realistic assessment of what you can afford. Buyers who have to sell an existing home should price it aggressively from the beginning to drum up interest and get a buyer as soon as possible. 2. Don’t count on another extension. The credit won’t be available forever, Fadel said. If you want to take advantage, be sure to make that spring deadline. “This is a medication for the housing crisis. Once the patient—which is the housing market—cures, there will be no medication needed,” he said. 3. Mind the interest rates. Mortgage ...