Renovation Financing Is Back For 2009!
Visit www.TheMarraMortgageGroup.com.
Whether your a homebuyer, a current homeowner, a real estate agent, a contractor who specializes in home improvements or a government official looking for solutions to your communities housing needs, the Marra Group is your guide to understanding renovation financing.
The Marra Group has over 45 years combined experience in originating and closing Conventional, FHA and VA loans. In addition to being able to provide traditional home mortgage products they specialize in renovation financing.Contact Lisa Marra
The Marra Mortgage Group
Home Mortgage Consultant
Office: 410-512-4844
Mobile: 410-598-2609
Fax: 866-617-4269
As a Certified Distressed Property Expert Aaron Rice deals with banks, loan servicer's and asset managers who contact us on a daily basis to help determine the value of their assets. You can be sure that you've selected a firm with previous experience and expertise of local market trends. For more market trends visit www.BaltimoreMarketTrends.com
Call the REALTOR® the banks call to sell their homes. Contact Aaron Rice today 443-244-0051.
Do you want to know what your home is worth in today's Shifted market?
Click here http://www.baltimorehometeam.com/whats-my-home-worth.asp
If you, your family or friends are looking for refinancing strategies, tips for a quick sale or information on purchasing a home, I invite you to call me for valuable information on today's ever changing real estate market.
If you, your family or friends are facing a current or future financial hardship the BaltimoreShortSaleTeam.com can help please contact me Aaron Rice, Certified Distressed Property Expert (CDPE). 443-244-0051.
Our Client-First Philosophy
There are many qualities and skills that go into being an excellent real estate professional - integrity, in-depth community and market knowledge, marketing savvy, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how I work.
That said, in my experience as a Baltimore real estate professional, I've also found that providing the very best service is essentially about putting my clients first. This means keeping myself accessible, being a good listener as well as a good communicator, and responding quickly to your needs.
This "client first" philosophy has always been my approach and it requires me to continually improve my skills and ways of doing business. In addition, I've found that the latest technologies are enabling me to do everything I've always done, only much more quickly and efficiently. They've also helped me to extend the range of services I provide to my clients.
Sellers are advised to obtain legal advice regarding the advisability and terms of any short sale agreement with creditor(s) and professional tax advice regarding the tax implications of any such sale.
This process will result in the loss of your home.
Aaron Rice, CDPE, CRS, GRI, SHS
Baltimore Home Team
Keller Williams Realty
3301 Boston St. Suite 200
Baltimore, MD 21224
443-244-0051 Cell
What is a Distressed Property Expert?
Aaron Rice is a licensed Maryland REALTOR® and foreclosure prevention expert who has been certified through a national program called the Distressed Property Institute. He has earned the prestigious Certified Distressed Property Expert (CDPE) designation, having completed extensive training in foreclosure avoidance and short sales. This is invaluable expertise to offer at a time when the area is ravaged by "distressed" homes in the foreclosure process. He is an advocate for the distressed property owner. Aaron understands your options, the urgency, the opportunities and most importantly, the process. He is a knowledgeable professional who has been helping homeowners find the best solutions to their financial crisis.
Aaron is:
Informed on issues and options
Knowledgeable of detailed processes and procedures
Your lifeline in a real estate crisis
As Certified Distressed Property Experts we deal with banks, loan servicer's and asset managers who contact us on a daily basis to help determine the value of their assets. You can be sure that you've selected a firm with previous experience and expertise of local market trends.
For more market trends visit www.BaltimoreMarketTrends.com.
Call the REALTOR® the banks call to sell their homes. Contact Aaron Rice today 443-244-0051.
Do you want to know what your home is worth in today's Shifted market?
Click here http://www.baltimorehometeam.com/whats-my-home-worth.asp.
If you, your family or friends are looking for refinancing strategies, tips for a quick sale or information on purchasing a home, I invite you to call me for valuable information on today's ever changing real estate market.
If you, your family or friends are facing a current or future financial hardship the BaltimoreShortSaleTeam.com can help please contact me Aaron Rice, Certified Distressed Property Expert (CDPE). 443-244-0051.
Our Client-First Philosophy
There are many qualities and skills that go into being an excellent real estate professional - integrity, in-depth community and market knowledge, marketing savvy, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how I work.
That said, in my experience as a Baltimore real estate professional, I've also found that providing the very best service is essentially about putting my clients first. This means keeping myself accessible, being a good listener as well as a good communicator, and responding quickly to your needs.
This "client first" philosophy has always been my approach and it requires me to continually improve my skills and ways of doing business. In addition, I've found that the latest technologies are enabling me to do everything I've always done, only much more quickly and efficiently. They've also helped me to extend the range of services I provide to my clients.
Sellers are advised to obtain legal advice regarding the advisability and terms of any short sale agreement with creditor(s) and professional tax advice regarding the tax implications of any such sale.
This process will result in the loss of your home.
Aaron Rice, CDPE, CRS, GRI, SHS
Baltimore Home Team
Keller Williams Realty
3301 Boston St. Suite 200
Baltimore, MD 21224
443-244-0051 Cell
Top 12 Reasons To Avoid Foreclosure!
1.) The homeowner will always have to disclose that they have had a foreclosure on any mortgage application and (many job applications) that you submit in the future and this can have an adverse affect on your future mortgage rates.
*This is the only credit item that is asked specifically and does not rely on what is on an individuals credit report. There is no 7 year time limit on this item.
2.) Credit scores will be lowered by 300+ points (per loan) and a foreclosure is the most devastating credit issue you can have in relation to future credit availability.
3.) The homeowner will be ineligible for a government insured loan for 5 to 7 years (only 2 years in a short sale)
*A Foreclosure is the one credit report item that is almost impossible to have repaired.
4.) Your lender can seek a deficiency judgment against you and collect for any amount they do not recuperate at bank sale.
5.) Many employers run credit checks on prospective employees and foreclosure is one of the top items that will put a potential new hire in jeopardy.
6.) Many current employers run credit checks and a foreclosure can put a current position in jeopardy.
7.) Security clearances and government positions including but not limited to military and law enforcement can be jeopardized by a foreclosure.
*Revocation of secruity clearance can result in job reassignment or loss.
8.) The tax liability in a foreclosure may be much higher than in a property negotiated short sale since in most cases cancelled debt will be higher.
9.) "As a Certified Distressed Property Expert (CDPE) I will explore every option with a homeowner and work towards a resolution."
10.) "While it may not seem like it now there will come a time where your current financial troubles will pass. You will feel much better knowing that you did everything you could to avoid this devastating financial consequence so many people face today."
11.) Protect and Preserve Homeownership.
12.) Protect and preserve Homeowner Equity.
As Certified Distressed Property Experts we deal with banks, loan servicer's and asset managers who contact us on a daily basis to help determine the value of their assets. You can be sure that you've selected a firm with previous experience and expertise of local market trends. For more market trends visit www.BaltimoreMarketTrends.com
Call the REALTOR® the banks call to sell their homes. Contact Aaron Rice today 443-244-0051.
Do you want to know what your home is worth in today's Shifted market?
Click here http://www.baltimorehometeam.com/whats-my-home-worth.asp
If you, your family or friends are looking for refinancing strategies, tips for a quick sale or information on purchasing a home, I invite you to call me for valuable information on today's ever changing real estate market.
Aaron Rice, CDPE, CRS, GRI, SHS
Baltimore Home Team
Keller Williams Realty
3301 Boston St. Suite 200
Baltimore, MD 21224
443-244-0051 Cell
www.BaltimoreShortSaleTeam.com
What is a Short Sale?
Not All Real Estate Agents Are Qualified Short Sale Experts
Here are 10 questions to ask your real estate agent before you sign on the dotted line...
1.Can my real estate agent explain the short sale process to me?
2.How do I know if my property will qualify for a short sale?
3.Does my real estate agent know what information I will need to provide to the lending institution?
4.Does my real estate agent know what "hardship" categories qualify me as a short sale candidate with the lending institution?
5.Does my real estate agent know how to create an effective short sale strategy?
6.Does my real estate agent have prior experience and specialize in working with homeowners and lending institutions to create a short sale transaction.
7.Does my real estate agent know how to market my home since efficient timing is essential.
8.Does my real estate agent know how to price your home?
9.Does my real estate agent have a pricing/marketing campaign for 14/30/45days?
10.How do you know if you are really comfortable with the real estate agent the you are selecting?
As Certified Distressed Property Experts we deal with banks, loan servicer's and asset managers who contact us on a daily basis to help determine the value of their assets. You can be sure that you've selected a firm with previous experience and expertise of local market trends.
For more market trends visit www.BaltimoreMarketTrends.com.
Call the REALTOR® the banks call to sell their homes. Contact Aaron Rice today 443-244-0051.
Do you want to know what your home is worth in today's Shifted market?
Click here http://www.baltimorehometeam.com/whats-my-home-worth.asp.
If you, your family or friends are looking for refinancing strategies, tips for a quick sale or information on purchasing a home, I invite you to call me for valuable information on today's ever changing real estate market.
If you, your family or friends are facing a current or future financial hardship the BaltimoreShortSaleTeam.com can help please contact me Aaron Rice, Certified Distressed Property Expert (CDPE). 443-244-0051.
Our Client-First Philosophy
There are many qualities and skills that go into being an excellent real estate professional - integrity, in-depth community and market knowledge, marketing savvy, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how I work.
That said, in my experience as a Baltimore real estate professional, I've also found that providing the very best service is essentially about putting my clients first. This means keeping myself accessible, being a good listener as well as a good communicator, and responding quickly to your needs.
This "client first" philosophy has always been my approach and it requires me to continually improve my skills and ways of doing business. In addition, I've found that the latest technologies are enabling me to do everything I've always done, only much more quickly and efficiently. They've also helped me to extend the range of services I provide to my clients.
Current Maryland Regional Real Estate Submarket *Trend Tracking*
Updated 12/30/08 7:55AM Source: 
•Avg Sales Price Baltimore City
(2004 $109,000) - (2006 $180,000)
(2007 $200,000) (2008 $191,125)
(National Avg $181,000)
•Total Active Listings
•Washington, DC - 3,116 ~ Avg List Price $614,244 ~ Avg DOM 150
*Montgomery County - 4,553 ~ Avg List Price $577,747 ~ Avg DOM 159
•Prince Georges County - 5,000+ ~ Avg List Price $232,035 ~ DOM 166
•Baltimore County - 4,250 ~ Avg List Price $367,745 ~ Avg DOM 172
•Baltimore City - 5,000+ ~ Avg List Price $148,949 ~ Avg DOM 181
As Certified Distressed Property Experts we deal with banks, loan servicer's and asset managers who contact us on a daily basis to help determine the value of their assets. You can be sure that you've selected a firm with previous experience and expertise of local market trends. For more market trends visit www.BaltimoreMarketTrends.com
Call the REALTOR® the banks call to sell their homes. Contact Aaron Rice today 443-244-0051.
Do you want to know what your home is worth in today's Shifted market?
Click here http://www.baltimorehometeam.com/whats-my-home-worth.asp
If you, your family or friends are looking for refinancing strategies, tips for a quick sale or information on purchasing a home, I invite you to call me for valuable information on today's ever changing real estate market.
If you, your family or friends are facing a current or future financial hardship the BaltimoreShortSaleTeam.com can help please contact me Aaron Rice, Certified Distressed Property Expert (CDPE). 443-244-0051.
Our Client-First Philosophy
There are many qualities and skills that go into being an excellent real estate professional - integrity, in-depth community and market knowledge, marketing savvy, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how I work.
That said, in my experience as a Baltimore real estate professional, I've also found that providing the very best service is essentially about putting my clients first. This means keeping myself accessible, being a good listener as well as a good communicator, and responding quickly to your needs.
This "client first" philosophy has always been my approach and it requires me to continually improve my skills and ways of doing business. In addition, I've found that the latest technologies are enabling me to do everything I've always done, only much more quickly and efficiently. They've also helped me to extend the range of services I provide to my clients.
Sellers are advised to obtain legal advice regarding the advisability and terms of any short sale agreement with creditor(s) and professional tax advice regarding the tax implications of any such sale.
This process will result in the loss of your home.
Aaron Rice, CDPE, CRS, GRI, SHS
Baltimore Home Team
Keller Williams Realty
3301 Boston St. Suite 200
Baltimore, MD 21224
443-244-0051 Cell
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