Rebecca Cole

If you have an FHA mortgage and have made the last 12 payments on time (no more then 30 days late) this is a good time to look into an FHA streamline refinance. Rates are at historic lows and the potential monthly savings as well as long terms interest savings can really add up.

A streamline mortgage usually does not require income or asset documentation and an appraisal may not be required. That means you can still take advantage of a lower mortgage rate, even if your home has not appreciated in value.

For more information about FHA streamline refinances contact Rebecca Cole for a no cost or obligation mortgage analysis. All applications are processed in my local office and turnaround times are currently less than four weeks.

If you are looking to purchase a home or refinance contact Rebecca Cole. Committed to excellence!

GETTING A DEAL IN A BUYER'S MARKET

A discussion with a Realtor (R), C.P.A., & Loan Officer

Thursday, Dec. 11th, 6 PM, 11021 York Road

Douglas Zinn, Realtor, Long & Foster Real Estate

410-812-7059 for information

Anyone is welcome to attend. No reservations required. Just show up at the office.

We will be exploring the opportunities of a buyer's market, the home buying process, financing options, and the financial impact of buying a home. Folks can learn from real live experts and share their thoughts.

If you are looking to purchase a home or refinance, contact Rebecca Cole. Committed to excellence!

I have read some wonderful posts here on Active Rain about ways people are cutting back on spending in light of current economic times. I have been inspired to reevaluate my own situation and become thriftier with my business and personal spending. I am also concentrating on the spirit of the holidays this year by giving thoughtful gifts that carry personalized meaning instead of a high price tag.

It has occurred to me that no matter how tight things may be in my family, there are others who are hurting even more. Although I have cut back on dining out, I still have a full pantry and I am able to provide three nutritious meals to my family every day. There are people in my neighborhood and in communities around the country who are struggling to put together one meal a day.

Food banks are at an all time low this year and thousands of people depend on these food banks each week to feed their families. The Maryland Food Bank has a wonderful website where you can read about hunger in Maryland. There is also information on how to host a Virtual Food Drive with your co-workers and friends to help fill the food bank shelves for hungry Marylanders.

I went through my kitchen and was able to fill two bags with canned vegetables and other items that I am going to donate. Think about how many people would have food on the table if we all put together just one bag of groceries each month. This is the time to reach out to our fellow neighbors who need our help. Please consider giving to your local food bank. Even the smallest donations will help someone in your community.

If you are looking to purchase a home or refinance, contact Rebecca Cole. Committed to excellence!

The Maryland Zoo in Baltimore will be hosting a special Holiday Breakfast on Saturday December 13^th and Sunday December 14^th from 8:30am to 10:30am. There will be special visitors from the North Pole and the Southern Hemisphere (penguins) and holiday activities for the kids.

Spaces are limited to allow all guests time with holiday characters and photo opportunities. Tickets are $25 for zoo members, $35 for nonmembers, $10 for children under 12, children under 2 are free. Zoo admission for the remainder of the day is included. Tickets are limited and both events are expected to sell out. Support the Maryland Zoo in Baltimore this year and give your kids something special to remember.

If you are looking to purchase a home or refinance, contact Rebecca Cole. Committed to excellence!

The 37^th annual lighting of the Washington Monument in historic Mount Vernon's West Park in Baltimore will begin this Thursday, December 4^th at 6:00 pm. There will be food, local entertainers, vendors, and plenty of holiday spirit.

Mayor Sheila Dixon and celebrity lighter Rick Dempsey of the Baltimore Orioles will count down to the lighting and fireworks finale shortly before 7:30. This Baltimore tradition is something the entire family will enjoy.

If you are looking to purchase a home or refinance, contact Rebecca Cole. Committed to excellence!