About Lake Linganore's Pinehurst

Recently I have had several inquiries regarding what happens after foreclosure? First I always attempt to encourage working with an HUD approved housing counselor. Secondly I do everything I can to assist in not letting the home go to foreclosure for the individuals sake and as my part in trying to stop the bleeding of these homes sitting on the market. If possible even a Short Sale of the home is easier on the individuals credit as well as the general neighborhood.

However if in the end foreclosure is inevitable....

Housing will become difficult, Owners and Landlords are most frightened of the tenants inability to make the rent payment. This is probably the number one fear among the sellers and landlords I work with. It takes a seasoned approach to display to a landlord the other factors that should be considered. Its not for the faint of heart and can be very frustrating.

Recently I had a client who due to divorce and job loss had pretty horrible credit. We spent months working on proof of her ability to pay and approaching landlords requesting rental agreements for her, after our 3rd turn down we found her current rental property. The positive side to these difficult times is to see her pull herself up and excel at her job. Since finding her the property to rent she has already saved 1/2 of what she will need for a down payment on her next home. To quote her " I will buy much more conservative this next time and I will always have a nest egg in my savings account " Her current landlord does not want to see her go. She will need a 3 year recovery before FHA will even consider lending to her again but she's accepting of what she must do to prove her stability and appreciative to the landlord for the opportunity.

If I can be of assistance or you have any questions on any of the below topics, please feel free to call.

• Short sale
• Foreclosure
• Representing the landlord
• Representing the tenant
• Refinancing
• Pre-Approval
• Buying and Selling
• Lender guidelines
• Housing strategies-(Cant sell for what I owe / what to do)

Frederick County Maryland, Lake Linganore, Pinehurst Subdivision is expected to begin its water, road and sewer improvements. I joined this committee to help in communicating challenges and dates of interest to our neighbors during these long anticipated growing times. Please feel free to contact me at anytime during the CDA/CIP improvements. The second meeting of this commitee is Tonight at 7:00.

Credit scores were designed to help lenders gauge a borrower's risk of default. That's it. The only information used is what's in your credit report. The formula is particularly affected by:

• Whether you pay your bills on time.
• How much of your available credit you're using.
• How long you've had credit.
• How recently you've opened a new account.
• The mix of credit you use.

Here's what does not go into a score:

• Your income or how much of it goes to pay debt.
• Your net worth.
• Your retirement account balances.
• Your investment returns.
• Your employment history or prospects.
• Whether you live within your means.
• Whether you pay your credit card bills in full each month or carry a balance.

One more example of the nature that surrounds us in Lake linganore.

In the woods behind our home, this mom of 4 needs a bigger home. Not to mention the birds would like this home back.

As a resident of Pinehurst in Lake Linganore I want to point out a couple of the reason why we love our neighborhood.

In today's world where we all struggle to find time and ways to exercise. Lake Linganore has a multitude of avenues to explore. 4 lakes to use for fishing, hiking, kayaking, canoe. Most Likely because of this natural water source the wildlife is exceptional. As My husband and I were walking around the lake the other night. We came across a Doe that had just given birth to 2 fawns. A few minutes later the blue heron flew gently overhead with its enormous wing span, and elegant flight. Later in the walk we passed a human Mom running on the path, pushing her triplets. As we ending our walk we came across a family of ducks at the lakes edge. Every time we take a walk we come across a new find, or meet a new friend.

As we returned home we came across the patch of wild raspberries growing in the woods behind our home. It just continues to amaze me how much we still have to explore without ever starting the car.