About Owings Mills' New Town

A Patio Home in Baltimore!

These perfect homes are sometimes referred to as Patio Homes, Courtyard Homes, Zero Lot Line Homes, Garden Villas or Single Family Ranchers. They are frequently in gated condominium communities which means the exterior maintenance, the grass cutting, leaf raking and snow removal are all taken care of in the monthly condo fee!

There are no common walls... providing all the benefits of a free standing single family home...but with the added perks of carefree condo living!

Not everyone wants to live in the vacation states. Many want to remain in the Baltimore area for various reasons including jobs, family obligations, life long friendships and the big draw of grandchildren!

People that have retired or have winter homes are now returning to Maryland. But where do they live.? Where can they find a home that suits their needs? All of their needs...spacious homes that can be forever homes with no age restrictions.

No longer do you have to travel to the 'sunshine' states to have this fabulous style of living.

We have a patio home here in the Baltimore area at

9913 Middle Mill Drive 21117 located in the private Weston community.

Here are some of the features associated with this Single Family Home

One Floor Rancher

First Floor Laundry

Eat In Gourmet Kitchen

Granite counters

Travertine kitchen floor

Stainless kitchen appliances

Gas heat and gas cooking

Central air

Sliding glass door to deck off kitchen

Deck off the living room

Open views of adjoining nature preserve

Two Car Garage with auto opener

Master Suite with jetted tub and separate shower

Two walk in closets in the first floor master

Second bedroom with private bath

Third bedroom or den

Cathedral and tray ceilings

Over sized windows in all living spaces

Lower level walk out level

Large master bedroom with full bath

Large family room with door to outside

Loads of storage space

Condo amenities

Gated community

Outside is maintenance free

Lawn care provided

Roof

Swimming pool

Tennis courts

Immaculate Move In Condition!

Walk to the shopping center, swimming pool and tennis courts.

Please call me for more details or to tour this beautiful forever home.

410-530-2400

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You can narrow the search down to number of bedrooms, lot size, price range, zip code etc. Be sure to sign up with your email address to ensure daily email updates of properties. These emails will include photos, address and price of the listed homes. This is a free service to help make finding your special Baltimore home easier. I am available to answer any questions or concerns. mrome@HomeRome.com 410-530-2400

2008 is showing a lot of promise!! Don't give up yet...Get Back to Work!!!!!! (edit/delete)

IT'S YOUR YEAR TO OPEN THE DOOR TO HOME OWNERSHIP!

Here at 1st Preference Mortgage we specialize in all areas of mortgage LENDING!! However our area of paticular specialty is FHA loans. Our pool of investors are very confident in the loans we originate and we have a personal relationship with all of them. It's our mission and goal to build long lasting relationships with everyone we do business with, so If I don't know you as of yet, get to know me now!! I've positioned myself in the mortgage industry in such a way that I'm able to offer ALL my clients a mortgage loan regardless of their credit history and income levels.

The most important thing that I can do for you is to be HONEST with you. 1st Preference Mortgage is making dreams come true one homeowner at a time. so "Don't make a move without me" Call me today at: 410-517-0300

"Don't make a move without me." Contact: Mark Lawrence, Mortgage Consultant- 1st Preference Mortgage Mlawrence@1stpref.com, 410-517-0300 Office, 443-829-0335 Cell

Our FHA loans are your keys to your new home. 97.75% FINANCING PROGRAM •• PURCHASE • No Minimum Credit Score (Borrowers w/ no score allowed as well) • Very high DTIs considered w/compensating factors • Mortgage Lates can be overcome w/ compensating factors • Borrowers currently in Chap. 13 OK with 12 months of on time payments • Non-Occupant Co-Borrowers Allowed • All Down Payment and Closing Costs can be gift w/no seasoning required. • 6% Seller Help Allowed • For Sale by Owner OK • 3% Investment Required by Borrower, may be gift, including Gift from Seller through Approved Non-Profit Down Payment Assistance Program • PITI Reserves may not be Required GREAT 30YR FIXED RATES - ALWAYS THE SAME REGARDLESS OF LTV OR SCORE FHA BANKRUPTCY CHAPTER 13 BUYOUT PROGRAM •· Max LTV 95% (no max on CLTV) •· 12 months clean payment history from the Trustee •· 12 months clean payment history on Mortgage •· Pay-off from Trustee •· Pay-off from Mortgage •· Payoff statements for any collections/judgments or liens that the court required to be paid •· Letter from Court OK to Refinance •· Copy of Chapter 13 filing and all schedules •· Letter from Borrower explaining what circumstances caused the BK and how the borrower can now manage their finance's CALL TODAY YOU WILL AMAZED

"Making Dreams Come True One Homeowner at a Time"

Mark Lawrence 443-829-0335 mlawrence@1stpref.com

Let Us Show You the Upside of No Down/Low Down Loans

We've designed special mortgage loan programs for the financially responsible borrowers who only need a little helping hand to move from dream to dream home.

There are several options available...

• 103% financing- covers 100% of the purchase plus funds up to 3% of your closing costs, mortgage insurance premiums and prepaids
• 100% financing- covers 100% of the purchase itself, you supply other costs
• 97% financing- covers 97% of the purchase, you put down 3%, along with other costs
• 80/20 Piggyback- covers 100% of the purchase with option to avoid mortgage insurance premiums, you pay only closing costs and prepaids

THE TRUTH SHALL SET YOU FREE......