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New FORECLOSURE ALERT IN THE VILLAGES OF URBANA IN MARYLAND

06-22-11
Fernando Herboso Broker: Check All www.ReallyNiceHomes.com in MD & VA
Fernando Herboso Broker: Check All www.ReallyNiceHomes.com in MD & VA: Real Estate Agent in Gaithersburg, MD
  • view my blog
  • Office: (301) 968-0555
  • Mobile: (240) 426-5754

PENROSE ST. . .


9336 PENROSE ST, FREDERICK, MD 21704
ML#: FR7632362 LP: $260,000
Status: ACTIVE DOMM/DOMP: 1/5
Adv Sub: VILLAGES OF URBANA
Ownership: Fee Simple Total Taxes: $2,841
Date Avail: Ground Rent:
Type: Townhouse Area:
Style: Colonial ADC Map Coord: 39 F 6
BR/FB/HB: 3/3/1 Yr Blt: 2005
Lot AC/SF: .051 / 2200 HOA/CC Fee: 100.00/
SQFT-Tot Fin: Tax Living Area: 1,760
Lvls/Fpl: 3/1 Vacation Y/N: No
Construction: Brick, Brick and Siding
Basement: Yes, Full, Fully Finished, Walkout Level
Parking: Assigned
# Gar/Cpt/Assgn: //2
Heat/Cool: Natural Gas/Forced Air/Electric/Central A/C
Water/Swr: Public/Public Sewer
List Date: 21-Jun-2011 Update Date: 21-Jun-2011
Company: Long & Foster Real Estate, Inc.

Remarks: This is a great brick front home in a great location. Features include: 3 finished levels, 3 full baths, center island kitchen, main level family room with gas fireplace and so much more. For instructions and disclosures go to MRIS and click on view documents.


OUR FRESH foreclosure list for Montgomery County is the only place where you will find
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We are bank owned experts in Montgomery and Frederick County Maryland ... Click on the banner below to see the very LATEST Foreclosures Listed in Montgomery and Frederick Counties
Fernando Herboso| Carlos Herboso
(Short Sales ) (Foreclosures)
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Our real estate knowledge is always up-to-date. For expertise you can depend on, call us when you have questions about the market or are ready to make a significant move. . .
"Quality representation is not expensive, its priceless! "
We are THE EQUALIZERS for regular buyers out there competing with professional investors
We are specialists in Foreclosures & Short Sales
Herboso & Associates llc
Office 240.898.1848
Fernando's Cell 240.426.5754
Carlos's Cell 240.671.5542
Fax 888.913.3535




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HOMES FOR SALE in URBANA - FREDERICK COUNTY - REAL ESTATE NEAR ROUTE 270 -EXPERIENCED REALTORS - BUYER REBATE

12-16-10
Lenn Harley, Real Estate Broker, Virginia & Maryland
Lenn Harley, Real Estate Broker, Virginia & Maryland : Real Estate Agent in Leesburg, VA
  • view my blog
  • Office: (800) 711-7988

HOMES FOR SALE IN URBANA, FREDERICK COUNTY, MARYLAND - REAL ESTATE NEAR NEAR ROUTE 270 - EXPERIENCED REALTOR - BUYER REBATE

The Villages of Urbana is a beautiful community located between the town of Frederick and the Montgomery County line.

CLICK THE home price below for more photos and detailed information about these homes for sale in the Villages of Urbana in Frederick County Maryland.

City Legal Subdivision ListPrice BR FB HB # Gar Lot Acres YrBlt Buyer REBATE
Frederick VILLAGES OF URBANA $465,000 5 3 1 2 0.092 2002 $2,325
Frederick VILLAGES OF URBANA $419,000 3 2 2 2 0.11 2008 $2,100
Frederick VILLAGES OF URBANA $435,900 4 2 1 2 0.093 2010 $2,175
Frederick VILLAGES OF URBANA $429,900 3 2 1 2 0.129 2010 $2,150
Frederick VILLAGES OF URBANA $459,000 4 3 1 2 0.254 2003 $2,300

Homes in Urbana Homes in Urbana

Two styles of Single Family Homes are offered in Urbana.

The "Village" style homes with the garage in the back. These homes are on small lots and offer maximum interior square feet for the price.

The second style of Single Family home is the traditional two story "Colonial" on an average of 1/4 acre lots.

MAP OF FREDERICK COUNTY, MD.

Frederick County Map

Lenn

To tour homes in the Villages of Urbana or other fine homes for sale in Frederick County, contact us:

Lenn Harley, Broker, Homefinders.com, 800-711-7988. Home tours can be scheduled weekends and weekdays.

To search all homes for sale in Frederick County, visit Homefinders-Search.com .

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3 Steps to a SHORT SALE For Maryland Residents

12-15-10
Fernando Herboso Broker: Check All www.ReallyNiceHomes.com in MD & VA
Fernando Herboso Broker: Check All www.ReallyNiceHomes.com in MD & VA: Real Estate Agent in Gaithersburg, MD
  • view my blog
  • Office: (301) 968-0555
  • Mobile: (240) 426-5754

3 STEPS to a SHORT SALE

Lets begin with the definition..

What Is a Short Sale?

A “short sale” is a negotiated agreement with your lender to accept less money than they’re owed as full payment for your loan. If you do not have any equity and you can not afford to pay the Realtor and the closing costs, a short sale maybe the right solution for you.. .the lender in most cases will pick up the tab.

#1

The most important step. .loan mod!

You should consider a loan modification if possible at this time.

But under no circumstances accept a loan modification agreement that could only benefit the lender..

Obtain the correct documents required and call your lender.

A loan modification has to be a win-win for you and the lender.

To qualify for a loan modification these are some of the guidelines for you:

  • Steady employment (two or more years) with the same employer or in same line of work.
  • Low debt: no recent major buys. .and a debt-to-income ratio of 38 percent or less.
  • Property is a home to be used as primary residence.

#2

Hardship was an important component in a short sale, somehow in the last few months I noticed that to be a formality more than a requirement. Nevertheless,you must prove to the lender that a hardship exists. .and they must be willing to accept the short sale proceeds as full settlement of the debt.

Some examples are of a hardship are:

  • Separation or Divorce
  • Medical Bills
  • Inability to work due to health reasons
  • Death of Spouse
  • Job Relocation
  • Reduced Income or Unemployment
  • Business Failure
  • Bad loan / excessive rate adjustment

#3

When a Loan Modification fails or you determined that is not the road you want to take. . then a short sale should your next choice.

For more information Read “Is Short Sale Is and Option For You?”

Check more information about Short Sales In Maryland


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How a Short Sale Affects Your Credit?

12-10-10
Fernando Herboso Broker: Check All www.ReallyNiceHomes.com in MD & VA
Fernando Herboso Broker: Check All www.ReallyNiceHomes.com in MD & VA: Real Estate Agent in Gaithersburg, MD
  • view my blog
  • Office: (301) 968-0555
  • Mobile: (240) 426-5754

MD  Short Sales Expert Specialist

QUESTIONS THAT MATTERS

How does a short sale affect my credit rating when compared to a foreclosure?”

FACT: The effects of Short Sale on your Credit Score is definitely a lot less than a foreclosure.
When you miss a payment on your mortgage, obviously this has a definite negative effect on your credit score. . .
In a short sale . . this is exactly what affects your credit directly!
I presume that you maybe behind on your payments already,
the more days you fall behind on your mortgage, the harder the effect on your credit score.

 

Watch our video “ How Can a Short Sale Affect Your Credit?”

 

 

 

Please read my eBook about short sales below. .It will answer many more questions about short sales in general.

The Short Sale Option
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An important question:

How much a short sale cost me Fernando ?:

SEE ANSWER HERE

Call Fernando Herboso Realtor® Associate Broker

240-426-5754 for a FREE Consultation.

What our clients say about us. .

------------------------------------------------------------------------------------------------

“Thank you Fernando  and Susan (Team Member)for EVERYTHING!  We are so relieved to be out of this mess and to be able to start over again.
It really has taken a load off of our minds and knocked down the stress level A LOT!  You were both completely on top of your game (and the mountain of paperwork) which made this entire process go so smoothly.  I really cannot believe that it's OVER and everything did work out to our advantage.  We knew we were taking a gamble with the short-sale, but we really owe our success to you and your team.”

THANK YOU!  THANK YOU!  THANK YOU!
Amanda & Eric B

--------------------------------------------------------------------------------------

"Herboso & Associates did an excellent job of listing my condo and handling the short-sales process for me.  Fernando is extremely knowledgeable and took the time to answer all my questions and concerns. He was efficient and took care of all the negotiating with the lender and the buyer.
California Client, A. Nguyen"

adioslender ebook cover

Read my latest book www.AdiosLender.com here

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Disclaimer

The information contained in this website is intended to be used for informational purposes only and to provide a general overview of the topics described herein. There may be tax and other legal consequences associated with a short sale.  Herboso & Associates makes no representations or warranties concerning potential tax or legal consequences relating to any final disposition of any property in a short sale.

Homeowners are advised to consult with a tax professional regarding the potential tax consequences for their particular situation. Herboso & Associates are not Advisors and they are not a legal law firm. We strongly encourages all parties, agents, homeowners brokers and mortgage lenders involved in a transaction to seek such advice from a professional advisor.

Fernando is an Associate Broker and  founder of Herboso & Associates for MD, VA and  DC

Call Fernando Herboso Realtor® Associate Broker

240-426-5754 for a FREE Consultation.

short sales help

PRESS THE BUTTON FOR INMEDIATE HELP FOR

More Questions and Answers:

Potomac Maryland Short Sales Expert Specialist

North Potomac Maryland Short Sales Expert Specialist

Kensington Maryland Short Sales Expert Specialist

Bowie Maryland Short Sales Expert Specialist

Ft Washington MD Short Sales Expert Specialist

Arlington Virginia Short Sales Expert Specialist

 

 

Your Credit and SHORT SALES

How Short Sales Affect Your Credit  Short Sales Expert Specialist

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Short Sales And Foreclosures Maryland - Montgomery and Frederick Counties

10-19-10
Fernando Herboso Broker: Check All www.ReallyNiceHomes.com in MD & VA
Fernando Herboso Broker: Check All www.ReallyNiceHomes.com in MD & VA: Real Estate Agent in Gaithersburg, MD
  • view my blog
  • Office: (301) 968-0555
  • Mobile: (240) 426-5754

***SHORT SALES AND FORECLOSURES ARE ALL-HERE***


foreclosures
Where can you find a Free List Of Foreclosures?

For Montgomery County in Maryland DC or Virginia?

JUST GO HERE

www.HERBOSO.com

"We breathe foreclosures all day.. so you don't have too!"

www.HERBOSO.com


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