About Baltimore County, MD

I am sure that most of you have been monitoring the status of the "Homebuyer Tax Credit" in Baltimore County, but if you haven't, this is what we know:

Homebuyer Tax Credit for Baltimore County Homes has not only been extended, but it has also been expanded to include current homeowners in Harford County. The following are features of the new bill:

• Deadline for current credit is November 30, 2009.

• Deadline for new and improved credit is April 30, 2010, as long as the home in Baltimore County is under contract by that date; deal must close within 60 days.

• Eligibility and amount of new credit: - $8,000 for first-time homebuyers in Maryland (those who have not owned a home in Baltimore County in the last three years). - Up to $6,500 credit for homeowners who have lived in the home they are selling, or have sold, as a principal residence for five consecutive years in the past eight.

• Buyers in Baltimore County or City with income exceeding $125,000 for single and $225,000 for married couples are not eligible.

• Homes in Baltimore County valued at more than $800,000 are also ineligible.

This is exciting news for first time and current homeowners that are looking to purchase a property in Baltimore County Maryland.

You can become a VIP Buyer and Beat Other Buyers to Hot New Listings in Maryland, Baltimore, Harford County, Cecil County Homes. How To Receive Daily Emails or Printouts of ALL New Listings That Match Your Home Buying Criteria Sent to You FREE of Charge Without Obligation

Here's how it works...

We mail/e-mail you new listings (complete with pictures) of ALL MLS properties that match your home buying criteria.

Our exclusive Buyer Profile System allows you to pick which homes in Baltimore County you want to view before other buyers even know about them. As a VIP buyer in Baltimore County:

You get weekly updates of all new home listings that match your criteria FREE of charge. You get first pick of homes that interest you and the ability to beat other buyers to an offer.

Because you're there first, before most other buyers, we are able to negotiate the lowest possible price for you saving you even more money including the possiblity of the Tax Credit. Most importantly your time isn't wasted viewing homes that don't interest you.

It's easy to get started...Just click here

START RECEIVING FORECLOSURE LISTS IN BALTIMORE COUNTY NOW!

"HI! My Name is Robert McArtor, Not only do I AUCTION Foreclosed properties, I also have the information YOU NEED to buy Foreclosed Properties in Maryland! The Home I LIVE IN was a BANK-OWNED PROPERTY! I purchased it for $100,000 Less than what was owed and YOU CAN BUY ONE TOO!"

"With Robert by my side...I purchased a 4 Bedroom, 2 Bath home on 1.15 Acres for just $140,000! We followed Robert's advice and saved well over $100,000 with our purchase!" Charles P. - Harford County

"Thanks Rob, we never thought we could have done it! 4 Bedroom, 2.5 Bath, 2 car garage in a cul-de-sac and saved over $100,000. With your advice we acted fast...I still can't believe I have my own garage"! M.K. - Harford County

I will email you FORECLOSED PROPERTIES the MOMENT THEY COME ON THE MARKET....FREE! Simply Fill-Out the Form Below and I will start sending you the lists TODAY! There are many fixer-upper homes in Baltimore County to choose. We have the knowledge and experience you need when deciding on the BEST DEAL!

I am sure that most of you have been monitoring the status of the “Homebuyer Tax Credit”, but if you haven’t, this is what we know:

Homebuyer Tax Credit has not only been extended, but it has also been expanded to include current homeowners in Maryland. The following are features of the new bill:

• Deadline for current credit is November 30, 2009.

• Deadline for new and improved credit is April 30, 2010, as long as the home in Maryland is under contract by that date; deal must close within 60 days.

• Eligibility and amount of new credit: – $8,000 for first-time homebuyers in Maryland (those who have not owned a home in Maryland in the last three years). – Up to $6,500 credit for homeowners who have lived in the home they are selling, or have sold, as a principal residence for five consecutive years in the past eight.

• Buyers in Maryland with income exceeding $125,000 for single and $225,000 for married couples are not eligible.

• Homes in Maryland valued at more than $800,000 are also ineligible.

This is exciting news for first time and current homeowners that are looking to purchase a property in Maryland.

You can become a VIP Buyer and Beat Other Buyers to Hot New Listings in Maryland, Baltimore, Harford County, Cecil County Homes. How To Receive Daily Emails or Printouts of ALL New Listings That Match Your Home Buying Criteria Sent to You FREE of Charge Without Obligation

Here's how it works...

We mail/e-mail you new listings (complete with pictures) of ALL MLS properties that match your home buying criteria.

Our exclusive Buyer Profile System allows you to pick which homes in Maryland you want to view before other buyers even know about them. As a VIP buyer in Maryland:

You get weekly updates of all new home listings that match your criteria FREE of charge. You get first pick of homes that interest you and the ability to beat other buyers to an offer.

Because you're there first, before most other buyers, we are able to negotiate the lowest possible price for you saving you even more money including the possiblity of the Tax Credit. Most importantly your time isn't wasted viewing homes that don't interest you.

It's easy to get started...Just click here

START RECEIVING FORECLOSURE LISTS IN MARYLAND NOW!

"HI! My Name is Robert McArtor, Not only do I AUCTION Foreclosed properties, I also have the information YOU NEED to buy Foreclosed Properties in Maryland! The Home I LIVE IN was a BANK-OWNED PROPERTY! I purchased it for $100,000 Less than what was owed and YOU CAN BUY ONE TOO!"

"With Robert by my side...I purchased a 4 Bedroom, 2 Bath home on 1.15 Acres for just $140,000! We followed Robert's advice and saved well over $100,000 with our purchase!" Charles P. - Harford County

"Thanks Rob, we never thought we could have done it! 4 Bedroom, 2.5 Bath, 2 car garage in a cul-de-sac and saved over $100,000. With your advice we acted fast...I still can't believe I have my own garage"! M.K. - Harford County

I will email you FORECLOSED PROPERTIES the MOMENT THEY COME ON THE MARKET....FREE! Simply Fill-Out the Form Below and I will start sending you the lists TODAY! There are many fixer-upper homes in Maryland to choose. We have the knowledge and experience you need when deciding on the BEST DEAL!

News From The Associated Press

The House of Representatives voted 403-12 Thursday to expand a popular tax credit for homebuyers.

First-time homebuyers have been getting tax credits of up to $8,000 since January as part of the economic stimulus package. But with that housing program scheduled to expire at the end of November, the House voted to extend it into the spring — and to expand it to many people who already own homes.

Buyers who have owned their current homes at least five years would be eligible, subject to income limits, for tax credits of up to $6,500. First-time homebuyers — or people who haven't owned homes in the previous three years — could get up to $8,000. To qualify, buyers have to sign purchase agreements before May 1 and close before July 1.

The credit is available for the purchase of principal homes costing $800,000 or less, meaning vacation homes are ineligible. The credit would be phased out for individuals with annual incomes above $125,000 and for joint filers with incomes above $225,000.

Next stop for the bill - President Obama's desk. He is expected to sign the legislation tomorrow.

Homebuyer Tax Credit has not only been extended, but it has also been expanded to include current homeowners. The Senate and House of Representatives approved the bill and the President should sign the bill into law as soon as Friday, November 6, 2009. The following are features of the new bill:

• Deadline for current credit is November 30, 2009.
• Deadline for new and improved credit is April 30, 2010, as long as the home is under contract by that date; deal must close within 60 days.
• Eligibility and amount of new credit:
• $8,000 for first-time homebuyers (those who have not owned a home in the last three years).
• Up to $6,500 credit for homeowners who have lived in the home they are selling, or have sold, as a principal residence for five consecutive years in the past eight.
• Buyers with income exceeding $125,000 for single and $225,000 for married couples are not eligible.
• Homes valued at more than $800,000 are also ineligible.

http://www.bloomberg.com/apps/news?pid=20601087&sid=aYnkx.7jfyXE&pos=8

For all your purchase and refinance needs, feel free to contact me at 410-248-1762 or bob.lowery@prosperitymortgage.com. I am available seven days a week.

Confidential applications can also be completed on our secure website at https://www.homeloans.com/bob-lowery

Thanks,

Bob Lowery

Home Mortgage Consultant

Prosperity Mortgage Company

410.248.1762 Tel

443.653.1720 Mobile

Bob.Lowery@prosperitymortgage.com

https://www.homeloans.com/bob-lowery

Always Think Marketing

I know of a family with two children. I remember the father indicating that the younger of his children, his son, was not as smart as his daughter. It was just idle talk, but it was mentioned at a family gathering. In the future from that time, I heard the grandmother of that child mention that she did not know if he was going to be able to do well in college. I asked her why, but she could not give me a good reason. In actuality, there was no good reason. This boy went to a private high ranking academic high school, played sports, and participated in several other extracurricular activites, while maintaining a high B average. In fact, he did go to college and he did very well. But the seed of doubt had been unwittingly planted long ago. On the other hand, I have seen parents who never say anything negative about their children. They do not necessarily constantly brag, for that would be annoying, but they create an aura about a child that would make everyone expect great things from that child.

Are you in the market to sell your house? No. That's okay. Act like you are.

Are there certain houses that you drive past on a regular basis and just admire them even if they are not on the market?

What is it about these houses?

Perhaps it always has beautiful colorful flowers neatly adorning the front yard. It may be that the lawn, bushes, plants, and trees are always neatly manicured. It could be that it has a well thought out color scheme for its siding, shutters, trim, and such. Maybe this house is never in a state of disrepair.

Whatever it is that makes us like this house, we would agree that it is in top showing condition to be on the market for sale.

If we were looking for a house to buy, this would be the type of house that would have us sold at the first impression. We would be excited the moment that we pulled up for a showing appointment.

If an agent told a Buyer about this house, the Buyer may say that they were familiar with that place. There may be a thousand houses in the neighborhood, but the Buyer would know which one you mean. Excitement would be stirring before they even got to the house. They would tell you "I have always loved that house."

The house may be similar in style and size to other homes in the area, but it always stood out, because the owners always kept it in showing condition. It had an aura about it that the other homes did not have.

Do you ever wonder why every once in a while you will see a house that sold for much more than similar homes? The size, style, amenities, age and so on do not give you the answer and so you just wonder. Did they simply pay too much? Or is this that house that has always been the envy of the neighborhood?

It may be easier said than done to keep a house in this type of condition. But think about it. This is the house that stood head and shoulders above the rest. It was no contest that this was the house that you wanted. And, you were willing to pay more for this house because you thought that it deserved it.

Yes, it may take a little extra effort to keep your house like this, but it pays for itself in the long run. Your house will sell faster and for more money. Plus, you will be able to continue living not just in your house, but in your dream house.

So, always think marketing.