Rebecca Cole

If you are a first time home buyer in the state of Maryland and you work for a participating employer of the House Keys 4 Employees Program, you may be eligible for more down payment and closing cost assistance through the Department of Housing and Community Development (DHCD).

Quick facts about House Keys 4 Employees

• DHCD will match participating employer's contributions dollar for dollar up to $5,000
• The match is in the form of a 0% deferred loan
• House Keys 4 Employees assistance may be combined with other state programs
• House Keys 4 Employees may be combined with local government programs
• Borrower must use an approved lender to participate in House Keys 4 Employees

Quick facts about Smart Keys 4 Employees

• Allows borrowers to receive additional matching funds
• The property must be located in a priority funding area
• The property must be within 10 miles of the buyers work or in the same county
• DHCD will double the amount of normal House Keys funds up to $10,000
• Borrower must use an approved lender to participate in Smart Keys 4 Employees

If you are interested in talking with a lender who is approved to participate in Smart Keys 4 Employees, House Keys 4 Employees, or other first time home buyer programs, contact Rebecca Cole. Committed to excellence!

This list of parking safety tips is being distributed by the Downtown Partnership of Baltimore, Inc. I think it is important to share this information with as many people as possible. Take care this holiday season and be safe.

• When you leave your vehicle, lock it and leave it empty. Remove all items of value. This could include: cell phones, electronic devices, CD's, clothing, briefcases, sunglasses, and even accumulated loose change. Remember the glass in your vehicle is meant to easily shatter when struck. It provides little or no protection for any valuables you leave in the vehicle.

• If you have used your cigarette lighter or auxiliary plug, make sure you replace the lighter and close the flap on the auxiliary plug before you leave your vehicle. Failure to do so could be a telltale to a potential thief that an item of value may be in the car.

• If possible, park in a well-lit area. In a garage it is best to park away from stairwells.

• If provided, become familiar with the locations of security cameras and emergency call buttons located throughout the facility.

• Report suspicious activity or persons to an attendant, or a Public Safety Guide.

• When returning to your vehicle, have your keys ready as you approach.

• Look inside your car before you unlock the door and get in, if you are concerned for any reason, simply walk past it and find help.

• Leave the parking spot immediately after everyone is situated and seatbelts are fastened - don't stay and write notes, balance checkbooks or talk on the phone.

• Keep doors locked and windows up.

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

The 2008 fall Timonium Tot Swap Sale will be open to the public Saturday November 15^th from 9am - 5pm and Sunday November 16^th from 10am - 2 pm. This year the Tot Swap is adding a home décor consignment section. There will also be vendors selling unique handbags, jewelry, lotions, and other goodies.

The big attraction is of course the vast assortment of quality consigned children's clothing, toys, books, games, baby equipment, sports equipment, children's furniture, DVDs, and much more.

I have always found quality goods at the Tot Swap and I enjoy meeting other thrifty shoppers. With over 30,000 anticipated items this year, there is bound to be something for everyone.

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

I always have a parking space right in front of my condo

The common areas are beautifully landscaped

I can do a quick clean up for unexpected guests in no time

I do not have to shovel snow, rake leaves, or mow the grass

Mays Chapel has wonderful sidewalks and walking paths

Well maintained parks and playgrounds are abundant

My sunken porch is private and perfect for outdoor dining

Graul's Market has one of the freshest delis in town

The utility bill is very kind

Baltimore City life is only a short drive away

Mays Chapel is located in Timonium, Maryland just off of 83 and is convenient to the 695 beltway.

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

Here is a list of family friendly activities that are scheduled for Friday, October 31, 2008 in the Baltimore area:

Halloween in Fells Point at Broadway Square and Thames Park Street from 4pm-10pm

St. Thomas Aquinas School Annual Fun Fair 1:30pm-3:00pm afternoon of games, face painting, raffle, food ages Pre K to middle school

World Championship Punkin Chunkin festival entertainment for the whole family Bridgeville, DE from 8am-dusk ages 5 and up tickets required

Preschool Halloween Party at Eden Mill Nature Center in Pylesville 10:30am-noon ages 3-5 with adult reservations required

Fall Festival games, pizza, and treats reservations required Pump it Up in Glen Burnie 6pm-8pm age group: 2

Mall Trick or Treating Events on Halloween

White Marsh Mall 6pm

Mondawmin Mall 6pm

Security Square Mall 5pm

Historic Ellicott City 4pm

Have a safe and Happy Halloween!

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