College Park, MD

The Work & Live College Park Program provides eligible home-buyers with up to 10% of the value of a home purchase up to $35,000 to use as a downpayment on a foreclosed home in College Park.

To be eligible:

• Prospective purchase home must be located in College Park and the home-buyer must also work in College Park.
• Must be a foreclosed home.
• Must be a first-time home-buyer using this as their primary residence.
• Purchaser must have a minimum $2000 to contribute to the process.
• Must be a 30 year fixed rate loan.
• Purchaser must meet the Program's income requirements.

The Work & Live College Park Program is a 10 year 0% interest loan. The amount required to be repaid depends on the length of time that the home-owner resides in the home.

If you would like information about the Work & Live College Park Program or other available home buyer assistance programs available please give me a call.

Everyone knows that the home buying consumer loves photos. They look at them constantly on the Internet. I doesn't matter if they're the still photos the Realtor took, a Virtaul Tour a professional put together or something done with one of those cute little Flip things.

I've been seeing a lot in the Blogosphere and Twittersphere about how listing agents are really falling down on the job if they don't provide lots of interior and exterior photos. I'm guessing most people mean "regular" houses. I wrote about a different type of house in a piece called: "Are Photos of Homes in Disrepair OK on the Internet".

Here's the gist: Am I doing my Seller client a service by showing his or her trashed out home on the Internet. It doesn't matter if it's a foreclosure, short sale or "plain vanilla". It the place looks horrible. It looks horrible. Gutted kitchens, Holes in the wall, Destroyed hardwood floors, broken windows, plumbing and electrical issues galore.

Would it be ok if I just added a frank but written descritpiton of the property with the requisite front exterior photo? Or should I just go ahead and take all the pictures and throw them up on the Internet for all to see...forever!

It is a pleasure and privilege to share with you our availability of funds for Commercial Real Estate secured Properties. Merricks Financial Services is a independent financial business. We provide long and short term Commercial Real Estate loans Nationwide. For purchasing and refinancing Commercial Properties. We are actively seeking new loan origination. Funds are available from 100k and up. We also provide Construction and Rehab Commercial Real Estate Loans Nationwide. Construction and Rehab Loans start at 1 million and up. Loans between 1 million and 40 million may be eligible for up to a 100% Commercial Real Estate Financing. With a minimum credit score of 600. To be pre approved please complete our required online form for a free quote . By clicking on the Commercial Loans link below. Please take note this is not a loan commitment by completing and submitting any information.

www.commercialloans.merricksfinancialservices.com

Merricks Financial Services is not a lender. We are Brokers.

No up front fees. We only get paid if we produce..

Broker and Lender points are taken from the loan proceeds.

We also offer No Doc loans.

Our services are for the United States Only.

These are the states below we service.

AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS,

MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV,

WY.

Thank you for using our services and we hope you have a blessed day. Contact us for more information.

Commercial Real Estate Loan Providers, Commercial Mortgage Brokers, Commercial Real Estate Hard Money Loans, Short Term Commercial Real Estate Loans, Hard Money Loans, Long Term Commercial Real Estate Loans, Hard Money Commercial Real Estate Loans, Refinance, Refinancing, Hard Money Commercial Real Estate Loan Providers, Commercial Mortgage Broker, Commercial Mortgage Providers, Commercial Real Estate Mortgage Brokers, Commercial Real Estate Hard Money Brokers, Hard Money Loan Brokers, Private Money Brokers, Refinancing Commercial Real Estate Properties, Hard Money Refinancing, Commercial Real Estate Funding, Commercial Real Estate Financing, Hard Money Commercial Real Estate Financing, Hard Money Commercial Real Estate Funding, Refinancing Commercial Real Estate Property, Funding Commecial Real Estate Property, Funding Commercial Real Estate Properties, Short Term Commercial Mortgage Brokers, Long Term Commercial Mortgage Brokers, Short Term Commercial Real Estate Mortgage Brokers, Long Term Commercial Real Estate Mortgage Brokers, Short Term Commercial Mortgage Providers, Long Term Commercial Mortgage Providers, Nationwide Commercial Mortgage Brokers, Nationwide Commercial Real Estate Mortgage Brokers, Nationwide Short Term Commercial Real Estate Mortgage Brokers, Nationwide Long Term Commercial Real Estate Mortgage Brokers, Nationwide Commercial Real Estate Funding, Nationwide Commercial Mortgage Providers, Nationwide Short Term Commercial Real Estate Loans, Cash Out Commercial Refinance, Cash Out Commercial Refinance Loans, Commercial Refinance Mortgage Brokers, Commercial Real Estate Property Financing, Commercial Real Estate Properties Financing, Construction Loan Brokers, Construction Loans, Commercial Real Estate Rehab Loans, Commercial Real Estate Rehab Loan Brokers, Apartment Complex Financing, Multi Family Financing, Office Building Financing, Apartment Complex Commercial Real Estate Loans, Multi Family Commercial Real Estate Loans, Office Building Commercial Real Estate Loans, Auto Repair Shop Financing, Auto Dealership Financing, Bed and Breakfast Inns Financing, Casino Financing, Church Financing, Gas Station Financing, Golf Course Financing, Hotel and Motel Financing, Industrial Buildings Financing, Medical Building Financing, Mini-Warehouses Financing, Mobile Home Park Financing, Restaurants Financing, Shopping Centers Financing.

Merricks Financial Services

Bus: 877-244-0474

www.merricksfinancialservices.com/start.php

Blogs:

http://www.tmicell.com/?aid=44255

http://www.naturalhealthandwellnesscenter.com/dr_brown.htm

I just came away from the second workshop in as many months about the new RESPA guidelines for the "new and improved" Good Faith Estimate and HUD-1. I understand it was devised to make the costs involved in the home buying process clearer, more understandable and more transparent. Puh...leeze!

I tend to lean left when it comes to Government assistance with social programs but this thing is absolutely ridiculous. It is anything but clear, transparent and understandable. Worse, it will, more likely than not, create so much confusion in the marketplace that buyers will be even more frustrated about the costs of buying a home.

I wrote about this at some length on my MD Suburban Homes Blog.Yet, I cannot help but wonder where the hue and cry from the real estate profession was to allow some input into what are two of the most important aspects of the home buying transaction - the mortgage and settlement.

Don't get me wrong. I'm big on consumer choice. I'm big on potential home buyers feeling comfortable with their Realtor, mortgage company and settlement company. I also know that real estate professionals go through these transactions many, many times while the typical home buyer may go through it once every seven years (or longer).

What really irritates me is that as restrictive as the Good Faith Estimate might be, the HUD-1 has morphed into something that is barely understandable without a calculator and math degree. The old saying will change from "Buyer Beware" to "Buyer be Scared". Confusion does that to people.

My only hope is that someone over at HUD wakes up and smells the coffee. Of course, they're not the ones out here.

Here's a confession: I hate short sales. I do my very best to avoid them either on the listing side or the selling side. Yeah. I know. People tell me all the time that "this is the market" and, if I'm going to survive, I have to learn and work with short sales. Bah Humbug.

To be sure, I have not been having as much fun as I had in the early 2000s. There are fewer "plain vanilla" sales out there - sellers with enough equity in their home that there is "NO third party approval needed". However, there are a few and those sellers still need professional Realtors to help out.

What I've been noticing lately is that the "plain vanilla" home is on the rise, at least in my little part of the world. I'm not sure if that's an indication that sellers have finally come to the realization that they need to price their home to compete against the short sales and foreclosed homes or if we baby boomers are finally getting to the point where it doesn't matter if we get hundreds of thousands of dollars from our home sale... as long as we can sell our home!

Whatever the reason, I'm encouraged that there seems to be more homes on the market where a buyer does not have to wait for months and months for some bank to say that it might consider, maybe, an offer if Mars aligns with Jupiter and some clerk doesn't lose the file.