Nice Homes for sale in
Clarksburg Maryland 20871
Clarksburg Maryland Homes For Sale 20871. .the hidden secret of Montgomery County Maryland revealed. .
Since the early part of the 2000's; Clarksburg has been growing by leaps and bounds. The new town center built in the heart of Clarksburg, near its historic center makes this vibrant city an up-coming force in Montgomery County as one of its best cities. The diverse population integrated in all the residents consists of many different backgrounds and nationalities. The residents have a much higher level of education that the national average and the schools is one of the main attractions to Clarksburg.
Most notable features of Clarksburg MD
New neighborhoods keep expanding over and over despite the current economic troubles around the country. Prices are even more affordable now than a few years ago.
Search for the latest homes for sale in Clarksburg Maryland below
Watch the video for a sample of a typical Clarksburg MD Neighborhood
SCHOOLS in Clarksburg MD
This map pins the locations of the major schools in Clarksburg Maryland
In general, for elementary school, you will be under the award winning
School Little Bennett Elementary School
Rocky Hill for Middle School
And Clarksburg High School
Please take some time to learn directly from a school administrator if the house you're buying directs you to Clarksburg schools and not to Damascus schools as it is in some neighborhoods because of overcrowding.
CALL ON US!
We will make the difference for you!
If you want to call Clarksburg MD, we are the people to call. .
We live and work in Clarksburg MD
Here at Herboso & Associates, we understand what an important decision is finding just the right home . .
Our agents are committed to finding just the right place for you, your family, and even your beloved pets.
Our dedication to the buyers is unsurpassed in customer satisfaction.
Tell us -- How can we help you?
More about Clarksburg Maryland
Montgomery County Market Report for December 2011
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Clarksburg Maryland Nice Homes For Sale
Homes for sale in clarksburg MD Check our newest Rental in Clarksburg MD
Clarksburg Maryland Homes For Sale, Listings, Real Estate, Rentals, Free Market Analysis, Clarksburg Realtor
Herboso & Associates
is Proud to present
large luxury townhouse For Rent
Enter this beautiful townhouse and you will immediately sense its elegance. . .
Open living plan adorned by two- sided fireplace
Beautiful kitchen ready to entertain your family. . .
Open design. . . Kitchen Island
Gleaming Wood Floors. ..
Scenic views. .
From a private deck. ..
Relax and enjoy. . .
Park Setting, private and convenient
3 bedrooms, 4 baths 2 car garage
Hardwood floors
Eat in Kitchen with island
Master Bedroom has tray Ceiling
Finished Basement
Location galore to shopping and transportation
Milestone Shopping Center a 5 minute drive
Award winning Schools
Clarksburg Maryland is located in Montgomery County Maryland. It is a great example where baby boomers call home. There has been a major growth in this city because of its location and convenience to I-270 and Washington DC Metro area. The schools are one of the major attractions to new residents seeking for a family oriented location to call home.
To search for more rentals or homes for sale click here
Thank you for considering this townhouse for rent. We are brokers located in Montgomery County and your first step should be to contact your Realtor and give them this address 23312 BREWERS TAVERN WAY, CLARKSBURG, MD 20871 for more info..
Or this MLS number: MC7772724
And if you do not have a Realtor and you are. .
READY FOR INMEDIATE OCCUPANCY!
CALL ME FOR A PRIVATE SHOWING. .
240-426-5754
Fernando Herboso
Broker – Solutions Finder
"Don't Pray For A Miracle. . .expect it!"
Herboso & Associates llc
www.ReallyNiceHomes.com
www.Short-Sales-Expert.com
Office 240.898.1848
Cell 240.426.5754
Fax 888.913.3535
My real estate knowledge is always up-to-date. For expertise you can depend on, call me when you have questions about the market or are ready to make a significant move. . .Quality representation is not expensive, its priceless!
Clarksburg MD Rental Properties
The latest news that could affect underwater homeowners is that the Government reached a settlement with major lender in the tune of 25 billon dollars.
The news is spreading across the internet about this major agreement. .
A lot of criticism and a lot attention is being paid from a political point of view. .
But, what about you?
How does these news affect you if your home in underwater?. Or
If your home is being considered for a Loan Modification. .or
If your home is listed as a short sale right now. . or
If your home was recently foreclosed
What does it mean?
This post is for you, if you want answers and want the bottom line
How much money is available?
25 billion dollars being paid by Bank of America, JPMorgan Chase, Wells Fargo, Citigroup, and Ally Financial
Why?
Because they got caught falsifying records and signatures from unsuspected homeowners
"Take me to your leader"
Robo-Signing. . remember?
ANNOUNCING THE 25 BILLION DOLLARS ROBO-SIGNING-SETLEMENT
The lenders promised not to do it again. .
Who qualifies to get some of this money?
Any homeowner that has incurred a foreclosure in the last 3 years will get a check for $2,000. . (and an autographed copy of their own robo-signature --unframed)
Any homeowner that has a mortgage underwater and is CURRENT ON THEIR MORTGAGE PAYMENTS may qualify for a principal reduction. No details yet on this, but we suspect that they will start with loans that are underwater.
Please read it again. . .you have to be CURRENT ON YOUR MORTGAGE PAYMENT!
Of course regular loan modifications are still being entertained by the same lenders using other established programs provided that the homeowners qualifies and are agreeable into signing.
Who does not qualify?
If your loan is held by Fannie Mae and Freddie Mac, which by the way own half of all U.S. mortgages.. . you do not qualify.
How do I find out if my loan is Freddie or Mac?
These mortgages do not qualify under the terms of the settlement. You can find out if your loan is with either of these lenders by looking up your loan at www.fanniemae.com/loanlookup or www.freddiemac.com/mymortgage
What is my first step if I feel this could help me now?
Just reach out to your bank to find out if you may be eligible. The only banks that are participants of this settlement are below with their phone numbers. . if your lender is not listed there. .you do not qualify. If your home was foreclosed by any of these banks during 2008 and 2011, call them to claim your $2000.00
Ally/GMAC: 800-766-4622
Bank of America: 877-488-7814
Citigroup: 866-272-4749
JPMorgan Chase: 866-372-6901
Wells Fargo: 800-288-3212
I need help now!. .how soon can I expect this help?
You'll need to be patient. The Government and the banks agreed to have up to three years to distribute these funds. If you are current on your mortgage payments and need immediate relief. .perhaps this may not be an option for you.
It has been reported that over the next one to two months, administrators will be picked to handle the distribution of the settlement, and they will have six to nine months to determine which borrowers will get help. . so the waiting game continues
Do I qualify for a principal reduction?
If your loan is both owned and serviced by any of these banks, I'll say you may have a small shot. We are not sure yet how they are going to determine who qualifies for a principal reduction yet? The ideal situation would be in my opinion that you have a mortgage underwater, serviced and owned by one of these banks, you are having problems paying your mortgage and started using your credit cards to buy groceries. You have depleted most of your savings and are living paycheck to paycheck now.
Now, if you already up to the limits of your credit cards all your savings are gone and you have to choose to eat or pay your mortgage next month. . you can't wait for this program. . you'll need to act now.
Nevertheless it is an undaunted task by these lenders. .and a puzzling decision by the government that allows this:
That people who NEED HELP are homeowners that are behind on their mortgage payments. .not the ones that are current!
The people that NEED HELP are homeowners that have seen an increase on their mortgage payments (ARMS) and a decrease in their total salary and they can no longer pay a full mortgage payment anymore.
The obvious problem here is that if they reduced the principal to your neighbor's mortgage and you share the same servicers and owners of your loan. . then you should be able to also qualify. .and your neighbors next door. .and the neighbor next door and . . ..the next . .and the next. .and the next. .. . around the world? . . you get my point.
What if my house is already listed as a short sale, and I'm in the middle of negotiations with my lender right now?
If you already missed one mortgage payment, you do not qualify for this Government Mortgage Settlement and my advice is to continue on with your plans and the Realtor helping you.
If you have NOT missed your mortgage payments and you are seeking for a short sale relief. .you may consider calling your lender to the numbers listed above and ask them specifically. .do you qualify?
Be prepared to wait some time for this.
Don't be a victim of bad information!
There is currently a lot of bad and misleading information out there regarding short sales in Maryland DC and Virginia and you need to arm yourself with the facts before you take the next step you need to take.
|
The Worst Thing You Can Do Is Wait ! Take Action Today! |
Get the facts from a distressed property expert that has the ability to help you avoid a foreclosure by doing a Short Sale today!
Is A Short Sale an Option For Me?
Fernando Herboso
Broker for Herboso & Associates
Original article publised in: www.ReallyNiceHomes.com
Government Mortgage Settlement Questions & Answers -- DO You Qualify?
My phone was ringing. .
"Hello?"
"I've screwed up BIG TIME"
A familiar friendly voice told me on the phone.
"Why?" I asked. .
"I broke my own rules on an investment purchase. A mistake that is sucking me dry, I'm on my way for the worst real estate loss I've ever experienced, EVER!"
"Calm down, maybe there is something we can do . . tell me a little more. .all I could say. .
"When I purchased a condo in this building four years ago . .it seemed to be the best investment I could do. The renter paid my mortgage for the first two years and then. . but it slowly started giving me negative cash flow. . I'm currently $700 negative cash flow every month!" she yelled.
The real estate crisis has been particulate tough for investors that were heavily burden with variable rate loans.
As investors quickly were finding out, their investment properties purchased a few years ago as a way to grow a retirement fund. ..slowly become a nightmare that was jeopardizing any plans of retirement.
Normally an investor uses sophisticated real estate investment strategies, formulas and criteria that they believe will work best for then in the short and long term.
They got caught. I know of many people that have 3, 4, 5 even 6 properties in their portfolio and they are all underwater. . ALL OF THEM!
One of my rules as a Realtor/Investor has always been to avoid purchasing a home if they will give me a negative equity flow. . .unless they are superbly located for maximum equity growth.
When you take away the only reason/benefit why you should have purchased an investment property at first place . you are left holding a cement block while swimming. . You may last a few months but eventually, after you exhaust your credit and your 401 K. . . .You will begin to sink to the bottom.
Before, you did not really mind paying a few hundred dollars per month to the bank; when your investment property was capable to gains of $30K, $50K, even $70K in one single year!
Today is different . . .
You are in new and uncharted waters, a situation which we often refer to as being "upside down", whereas you as an investor can't sell the home for enough to walk away free and clear. . . while your renter is sucking your blood dry.
Forget about profit. . You just want to break even!
If you don't have money to bring to the closing table, you are in a bad sticky situation. . and time is not your friend.
When you consider the flimsy outlook for real estate growth in our Maryland region for the next ten years . . . 3 to 5% per year?. . .and we may not be in the bottom yet!
Let's say you have 4 investment properties that are underwater with a $200,000 equity deficit
You may still have a little money to last you maybe a few more months. .
You can elect to stick it out and hope for another boom in real estate. .
Yeah right.. . Don't hold your breath
Kiplinger.com estimates a small rise in home prices this year and next but flat sales in general for the next 36 months.
Can you last 3 more years of negative equity?
What then?
Long term outlook is not any better.. .3 to 5% yearly gain . .and if we have a smooth road ahead.
Not good.. if you have negative cash flow every month.
It could be year 2020 before you break even.
Going back to my investor friend at the start of this post. .
When it gets to a point where she could not/or elect not to continue to pour more money into a seemingly investment gone bad, I advise her to start looking at "other" possible solutions.
If she was about to let it go into foreclosure, unable to make her payments anymore. .while the tenants are calling her almost every day to fix never ending problems/ . .
She was definitely in a nightmare!
Have you considered doing a short sale in all your properties?
She told me she considered but knew of the tax consequences of a 1099 for the amount forgiving by the bank. . she had to pay taxes on it and she just didn't want to do that.
I asked her then. .
"How much would you have to pay when/if the bank seeks a deficiency judgment against you then? "
I did not wait for an answer. .
"Over two hundred thousand dollars". . I quickly volunteered
"You are telling me that you want to avoid paying the IRS a few thousand dollars in taxes over having a foreclosure on your records and a possible deficiency judgment?"
She was quiet for a moment and I broke the silence.
"Call me if you want me to go over some details about this option"
She told me she would. . as she hanged up
I don't want to call her now,
It's her decision to make. . I will be there for her if she calls me. .
So far she still makes those extra payments to the banks. . And I recently learned she is also underwater on her own home.
I refused to call her.
When she needs my help, I know she will come.. . she knows that now. .
I just hope she calls me before she maximize her credit cards and run her 401K dry.
Don't be a victim of bad information!
There is currently a lot of bad and misleading information out there regarding short sales in Maryland DC and Virginia and you need to arm yourself with the facts before you take the next step you need to take.
|
The Worst Thing You Can Do Is Wait! Take Action Today! |
Get the facts from a distressed property expert that has the ability to help you avoid a foreclosure by doing a Short Sale today!
Is A Short Sale an Option For Me?
This post was originally published in 2009
The outcome was mixed. . we helped her short sale her primary residence and two of her investment properties.
Bank of America was not a good particpant back then. .
Today, they have improved. . .but still. . the saga continues. .
A Sample of nice Homes that SOLD In
Silver Spring 22905, 22902, 22904
Silver Spring takes its name from a spring discovered in 1840. Francis Preston Blair likes the area so much that eventually bought much of the surrounding land. The area called Acorn Park in the south side of Silver Spring is believed to be the site of the original spring.
One of Silver Spring's most distinctive characteristics is that it has many churches, synagogues, temples, and other religious institutions, including the World Headquarters of the Seventh-day Adventist Church.
The major roads in Silver Spring are mostly 3 to 5 lane highways consisting of The Capital Beltway which can be accessed from Georgia Avenue (MD 97), Colesville Road (US 29), and New Hampshire Avenue (MD 650).
The newly constructed ICC Intercounty Connector has radically changed the way people move from point to point.
These nice houses JUST SOLD in the last 3 MONTHS in Silver Spring . .
OPPPS!.. .Are you missing the bottom of the market?
With interest rates below 4% and home prices at its lowest points for the last 5 years. .
How much lower do you want it to go?
Silver Spring Maryland is bouncing back and it is one of the hottest markets in Montgomery County Maryland as of January 2012
Do you need Representation? Do you need to know where the good deals are?
CALL ON US!
We will make the difference for you!
Here at Herboso & Associates, we understand what an important decision is finding just the right home . .
Our agents are committed to finding just the right place for you, your family, and even your beloved pets.
Our dedication to the buyers is unsurpassed in customer satisfaction.
Tell us -- How can we help you?
More About Silver Spring Maryland
Montgomery County Market Report for December 2011
"Pssst wanna see some Really Nice Homes For Sale?"
Click the video below. .
Thank You for stopping by,
We will not
YOU!
When you subscribe with us. . we respect your privacy. . and that is a promise
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Short Sales Specialist- Stopping Foreclosures one homeowner at a time-Foreclosure Locator Services-Expert knowledge creativity and passion to bring the solutions to your real estate needs
We are a full service Maryland real estate company. Our team is dedicated to providing you with assistance in any aspect of real estate within Maryland DC and Northern Virginia areas.
Our services can be easily separated into FOUR groups
#1 Working with Buyers:
Buying a home requires careful planning and we take this job seriously. Many factors can affect the present and future value of a home. Herboso & Associates can help you find just the right home, we help you negotiate for the best home price, and give you a report to anticipate the real estate investment value of your purchase. More importantly, our buyer agents are trained in providing you with advice throughout the home buying process.
With so many Maryland real estate options to choose from, you need a truly experienced and professional agent to help you make the best real estate decisions. You've come to the right place. I'm the local expert and I'm ready to put my experience to work for you.
What are the hottest growing areas in Maryland today?
Montgomery County and Frederick County are the area we specialize in. If it's a Maryland investment property you're after, we consult with you and give you access to our vast experience in real estate investments.
What areas are the most promising for rentals and flips in Montgomery County and Frederic county?
What outlying areas will be positively or negatively affected by the growth of our Government and the growth of Maryland in General?
What urban development projects might affect the value of surrounding neighborhoods?
Which areas in Montgomery County are ripe with affordable gems right now?
You've come to the right place to find your dream home in Maryland. . Whether you're looking for an estate, an executive home, a luxury condo, a retirement community, or a historic home in Montgomery and Frederick Counties. . We can help you.
We can show you these properties:
• All Foreclosed properties
• All Bank Owned Properties
• All For Sale By Owner Properties
• All Fixer Upper Properties
• All Auctioned properties
• All our Exclusive Agreement Properties
• All company owned relocation properties
• All “Short Sale” properties
• All Pre-Foreclosed properties
We spend hundreds of dollars a month to subscribe to some of these unique lists, just to bring our clients the best chance possible to find the
BEST PROPERTY AVAILABLE for You!
#2 Working with Sellers:
Selling a home can be a unique experience. Form the fist time you make that decision to sell your home. . there is an emotional parting. After all, leaving the place you’ve raised a family and built friendships has to be a very hard decision. Herboso & Associates understands that and can help you sell a home, get the best value for your real estate investment, and make the transition into a new home.
A true fact is that. . . there isn't much more to the average agent than the agent themselves. Most agents operate a one-person show - and they're probably breaking their backs trying to do a good job for their clients. Most agents couldn't really work any harder than they're already working.
We know that, because we used to do it this way.
But we don't anymore because we found that our client's suffered from our good intentions. The fact is, you may be sympathetic that your agent is working as hard as humanly possible, but if the quality and profitability of your home sale suffers as a result of them trying to do everything themselves... well... you have a right to feel cheated The simple explanation is that we built a team of professionals to help us be in many places at once, and therefore greatly enhance the quality of service we can deliver to our clients.
This is basically how other professionals like your banker or lawyer operate. And on top of this, we use leading edge technology to dramatically improve the speed, efficiency and innovative capabilities of every part of the service we deliver.
We don't expect you to care about the fine-details of the inner-workings of our office. What you should care about is simply this. Because of the highly unique way we've structured our real estate office . . . Our client's homes sell for more money, faster and with less hassle!
#3 SHORT SALES:
Click on the image to read my e-Book about short sales)
In Real Estate, a short sale refers to the sale of real property for an amount less than the amount owed on the property. In the short sale scenario, the bank agrees to accept less than the full balance due on the debt, and usually ‘forgives’ all or a large portion of the difference.
How could a Short Sale affect your credit?
Short Sales are still a relatively new concept. Banks have the option of submitting the short sale to the credit bureau as "Paid in Full" or "Settled for less than full balance". As far as your credit score is concerned, there is no evidence whatsoever to support that a short sale will even lower your credit score.. . Your credit score drops during a short sale only because you more likely MISSED mortgage payments already.
If you are currently behind on your mortgage or facing a foreclosure, the short sale will actually could actually HELP your credit!
How?
Because once you are approved for the short sale, all collection activity STOPS and you will avoid foreclosure altogether.
Our division of Short Sales consists of two full time negotiators in our office staff and a vast experience filled with relationships we’ve gained during the last couple years with most major banks.
Do not give your keys to the bank and simply walk away without calling me for a free consultation. My e-Book about short sales can be read here. We are a short sale specialist for MD DC and VA
We are designated CDPE experts for Maryland DC and Virgina CDPE (Certified Distressed Property Experts)
#4 Foreclosures:
I will make it very easy for you. . .
You can obtain a LIST of FORECLOSURES for Maryland DC and Virginia
by SUBSCRIBING AND PAYING MONTHLY TO THESE SITES
Foreclosures In Maryland - for $39.95 per month
List of Maryland Foreclosures - variable monthly rate-$5.00 to cancel
Foreclosures & Auctions in Maryland - $19.95 per month
All Bank Owned Distressed Properties in Maryland - $39.95 per month
Foreclosures, HUD HOMES, REOS for Maryland -$9.95 per month
All Foreclosures for Maryland DC & VA - $9.95 PER WEEK!
OR
You can obtain a FREE LIST of ALL FORECLOSURES in MARYLAND DC and VIRGINIA
by SIGNING to our
FREE LIST SUBSCRIPTION HERE
We can help you find Maryland homes like:
Most People find us in the "Internet" with these search terms:
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Our service areas includes:
We publish a "Weekly Market Report "for the following neighborhoods:
Frederick
Some ZIP codes we serve: 20878,20877,20879,20874,20876,20850,20852,20853,20871,21702,21703
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Fernando,
Yes, it IS margarita time! But, unfortunately for us I can't find the margarita glasses and pitcher yet ... they're in some box... somewhere!
Oh, and yes... the girls. They're a bit time consuming, so happy hour will have to wait. BOO HOO! ;-(
Thank you to you and Susan for EVERYTHING! We are so relieved to be out of this mess and to be able to start over again.
It really has taken a load off of our minds and knocked down the stress level A LOT! You were both completely on top of your game (and the mountain of paperwork) which made this entire process go so smoothly. I really cannot believe that it's OVER and everything did work out to our advantage. We knew we were taking a gamble with the short-sale, but we really owe our success to you and your team.
THANK YOU! THANK YOU! THANK YOU!
If we know of anyone else that is in our same situation, we will definitely pass your name along.
You guys are great!
Thank you again,
Amanda B.
Dorothy Marinero
"Our home sold in the least amount of time while other homes in our community are still on the market. I don?t see how you could improve your service- you and your employees are outstanding!"
Patrick Smith Thank you for your help in selling my home. Your professional staff provided outstanding service. Looking forward to purchasing a home from you in the future."
Felix Rodriguez Fernando I'm amazed how quickly you sold my property with multiple offers. I will never mess around hiring any other agent. The way you market yourself is astounding. Please send me some of your business cards and I will hand them out to any of my friends who need a top-notch agent!"
Lisa
"The girls in the office are great and help Fernando to be successful. Great follow-up, communication and updates on our property!
Katherine Mitchell
"Absolutely fabulous team of professionals in your organization. We experienced a good personal connection and high service level.
Greg "Your Freak Out Client"
"In one sentence, you are second to none!"
Maribel Zapata
"We were very impressed by the traffic we had through our home, which can only reflect the work done by Fernando and his team. Thank you!"
Carlos and Kelly
"You guys are the complete package! Fernando had the ability to see our deal through despite dealing with an agent and seller that were unorganized and not agreeable, to say the least. Thank you very much!"
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