Maryland Real Estate

How to Evaluate Your Options When You Are in Danger of Losing Your Home to Foreclosure

2010-02-15T12:16:00.000-08:00

You have a problem. You have a house and you cannot afford to make the payments. You are not alone. Unfortunately, there are millions of people in your situation. The good news is that you have many options to help you avoid foreclosure. The solution will depend on your particular situation.

If you are just having a temporary cash flow problem, there are a couple of options that will help you.

Look into getting a forbearance plan. Forbearance is when your bank allows you to temporarily suspend or reduce your monthly payment. You will have to make a repayment plan so that you can pay your regular monthly payment and part of the past due payments until you are caught up. You can also pay the full amount you owe (the arrearage) with a recent hiring bonus, insurance settlement or tax refund. Other ways to raise money to pay the arrearage is to sell stock, sell an investment property or sell an extra car you don't need. Get creative.

Renegotiate you loan with you current lender or mortgage modification. You can renegotiate your loan if you have a high interest rate or you have a rate that is about to reset. You can reduce your interest rate; change an (ARM) Adjustable Rate Mortgage into a fixed rate. You can also extend the amount of years you have to repay the mortgage. For example you can change a 30-year mortgage into a 40-year mortgage.

If you have mortgage insurance you can apply for a Claim Advance. How do you know if you have mortgage insurance? Most FHA loans have mortgage insurance. You can also check your loan documents to see if you have it. A claim advance is a loan from the mortgage insurance to bring your mortgage up to date. Please note that you will have to qualify.

Some loans can be refinanced. You can refinance your current loan to get a better interest rate and terms. What is the difference between a refinance and a renegotiation? You pay fewer fees with a renegotiation

Click here to continue reading this article ... How to Evaluate Your Options When You Are in Danger of Losing Your Home to Foreclosure | eHow.com

How to Get a Free Market Price Analysis for Your House

2010-02-15T11:19:00.000-08:00

Sometimes you just need to know the value of your home. As you may already know, the value of your home changes with time. Most of the time the value increases. Sometimes unfortunately it decreases. If you are considering selling or refinancing your property you will need to find out the value in today's market. Getting a market analysis of your home's value is easy. Most real estate agents are happy to provide you with a written report at no cost to you. They provide this free service with the hope that when you are ready to sell your property you will consider using their services.

The first step is to identify a real estate agent is familiar with your neighborhood. You can find them online or in the Yellow Pages. You can also find them in your mailbox. Many agents send out newsletters to the neighborhoods that are closest to them.

Click here to continue reading this article ... How to Get a Free Market Price Analysis for Your House - written by a Real Estate Agent | eHow.com

Top Foreclosure Cities in 2009

2010-01-28T05:40:00.000-08:00

Realtytrac has come out with it's list of top foreclosure cities in the United States. This list is scary. It seems that foreclosure rates are rising as more people lose their jobs.

2009 U.S. Metro Foreclosure Market Data

		Properties with Foreclosure Filings
Rate Rank	Metro Name	Total	%Housing Units	1/every X HU	%Change from 2008	%Change from 2007
--	U.S. Total	2,824,674	2.21	45	21.21	119.67
1	Las Vegas-Paradise, NV	94,862	12.04	8	41.12	212.19
2	Cape Coral-Fort Myers, FL	42,734	11.87	8	4.13	234.12
3	Merced, CA	8,389	10.10	10	1.18	124.85
4	Riverside-San Bernardino-Ontario, CA	126,376	8.80	11	12.55	143.90
5	Stockton, CA	19,540	8.62	12	-7.51	84.22
6	Modesto, CA	14,812	8.53	12	-0.48	101.09
7	Orlando-Kissimmee, FL	72,141	8.17	12	54.01	357.86
8	Phoenix-Mesa-Scottsdale, AZ	133,809	8.03	12	36.98	343.12
9	Port St. Lucie, FL	15,630	7.58	13	21.52	217.55
10	Miami-Fort Lauderdale-Pompano Beach, FL	172,894	7.16	14	43.50	198.28
11	Vallejo-Fairfield, CA	10,702	7.14	14	10.08	105.93
12	Bakersfield, CA	19,174	7.13	14	18.30	154.74
13	Naples-Marco Island, FL	12,251	6.38	16	31.15	339.58
14	Reno-Sparks, NV	11,037	6.15	16	62.24	311.06
15	Sacramento--Arden-Arcade--Roseville, CA	47,810	5.64	18	13.96	92.36
16	Deltona-Daytona Beach-Ormond Beach, FL	13,125	5.32	19	49.25	215.05
17	Sarasota-Bradenton-Venice, FL	20,507	5.26	19	18.84	201.53
18	Lakeland, FL	14,405	5.19	19	40.52	177.98
19	Fresno, CA	14,974	4.92	20	19.12	141.28
20	Salinas, CA	6,729	4.83	21	4.81	166.28
21	Palm Bay-Melbourne-Titusville, FL	12,685	4.78	21	23.47	147.80
22	Tampa-St. Petersburg-Clearwater, FL	62,719	4.77	21	16.95	161.71
23	Visalia-Porterville, CA	6,350	4.69	21	42.92	189.03
24	Boise City-Nampa, ID	11,009	4.66	21	103.34*	398.82*
25	Ocala, FL	7,295	4.58	22	39.67	275.84
26	Jacksonville, FL	26,537	4.53	22	55.87	178.11
27	Prescott, AZ	4,561	4.36	23	70.95	400.11
28	San Diego-Carlsbad-San Marcos, CA	49,125	4.34	23	9.33	142.96
29	Greeley, CO	3,934	4.25	24	6.53	43.16
30	Provo-Orem, UT	5,818	4.11	24	100.76	579.67
31	Oxnard-Thousand Oaks-Ventura, CA	11,155	4.09	24	32.45	157.32
32	Los Angeles-Long Beach-Santa Ana, CA	175,810	3.99	25	37.06	203.37
33	Fayetteville-Springdale-Rogers, AR-MO	6,912	3.77	27	31.66	336.64
34	Atlanta-Sandy Springs-Marietta, GA	78,835	3.73	27	17.65	57.10
35	Detroit-Warren-Livonia, MI	69,171	3.64	27	0.36	10.18
36	Santa Rosa-Petaluma, CA	6,859	3.47	29	30.30	171.54
37	San Francisco-Oakland-Fremont, CA	54,083	3.20	31	17.66	137.08
38	Chicago-Naperville-Joliet, IL-IN-WI	119,662	3.19	31	33.39	108.87
39	San Jose-Sunnyvale-Santa Clara, CA	19,920	3.15	32	27.42	217.86
40	Flint, MI	5,963	3.02	33	1.71	10.77
41	Tucson, AZ	12,798	3.01	33	41.52	201.27
42	Santa Barbara-Santa Maria-Goleta, CA	4,432	2.93	34	33.70	150.82
43	Salt Lake City, UT	11,413	2.91	34	72.19	208.96
44	Pensacola-Ferry Pass-Brent, FL	5,616	2.85	35	34.00	130.83
45	Memphis, TN-MS-AR	15,334	2.80	36	-11.08††	35.92††
46	Denver-Aurora, CO	28,962	2.78	36	-12.02	9.04
47	Santa Cruz-Watsonville, CA	2,781	2.70	37	30.26	205.60
48	Washington-Arlington-Alexandria, DC-VA-MD-WV	56,347	2.64	38	1.70	158.51
49	San Luis Obispo-Paso Robles, CA	2,976	2.57	39	63.07	235.89
50	Colorado Springs, CO	6,485	2.54	39	11.12	68.62
51	Lansing-East Lansing, MI	4,981	2.54	39	19.22	38.86
52	Ogden-Clearfield, UT	4,484	2.53	39	76.67	124.76
53	Rockford, IL	3,623	2.52	40	16.23	60.38
54	Chico, CA	2,380	2.51	40	50.35	167.72
55	Indianapolis-Carmel, IN	18,408	2.47	41	-9.39	26.16
56	Grand Rapids-Wyoming, MI	7,829	2.46	41	12.24	60.43
57	Toledo, OH	7,359	2.46	41	-7.52	27.85
58	Atlantic City, NJ	3,063	2.42	41	34.05	136.89
59	Cleveland-Elyria-Mentor, OH	22,430	2.38	42	-19.00	-19.31
60	Columbus, OH	17,672	2.29	44	-9.32	28.18
61	Portland-Vancouver-Beaverton, OR-WA	20,017	2.26	44	87.35	287.40
62	Minneapolis-St. Paul-Bloomington, MN-WI	29,115	2.20	45	57.80	169.66
63	Canton-Massillon, OH	3,899	2.20	46	-13.05	-4.53
64	Charleston-North Charleston, SC	6,198	2.20	46	77.04*	645.85*
65	Holland-Grand Haven, MI	2,136	2.13	47	43.84	119.53
66	Salem, OR	3,110	2.13	47	93.17	198.75
67	Dayton, OH	7,914	2.08	48	-14.27	1.28
68	Gainesville, FL	2,387	2.08	48	81.38	188.29
69	Macon, GA	2,056	2.00	50	11.32	52.41
70	Fort Collins-Loveland, CO	2,543	2.00	50	19.67	49.24
71	Milwaukee-Waukesha-West Allis, WI	12,578	1.92	52	23.54	92.50
72	Savannah, GA	2,698	1.87	53	37.86	161.43
73	Akron, OH	5,710	1.85	54	-30.86	-19.18
74	Ann Arbor, MI	2,661	1.81	55	-4.49	58.77
75	Trenton-Ewing, NJ	2,539	1.81	55	4.66	81.36
76	Cincinnati-Middletown, OH-KY-IN	16,358	1.80	56	-2.23	24.77
77	Green Bay, WI	2,391	1.78	56	126.64*	519.43*
78	Saginaw-Saginaw Township North, MI	1,555	1.75	57	-18.80	17.27
79	Kansas City, MO-KS	15,067	1.75	57	10.86†	49.59†
80	Youngstown-Warren-Boardman, OH-PA	4,568	1.74	57	-8.69	28.93
81	Worcester, MA	5,491	1.74	58	-13.45	78.63
82	Tallahassee, FL	2,737	1.72	58	50.80	134.13
83	Kalamazoo-Portage, MI	2,483	1.72	58	5.48	100.08
84	Greenville-Mauldin-Easley, SC	4,585	1.71	59	47.90	1,656.70*
85	Birmingham-Hoover, AL	8,174	1.64	61	267.21*	245.92*
86	Seattle-Tacoma-Bellevue, WA	22,772	1.62	62	43.15	180.20
87	New Haven-Milford, CT	5,633	1.61	62	-10.79	48.59
88	Little Rock-North Little Rock-Conway, AR	4,748	1.61	62	9.50	77.50
89	Myrtle Beach-Conway-North Myrtle Beach, SC	2,707	1.61	62	279.66*	2,137.19*
90	St. Louis, MO-IL	19,465	1.58	63	-10.07†	26.08†
91	Chattanooga, TN-GA	3,497	1.53	65	7.07††	152.31††
92	Bridgeport-Stamford-Norwalk, CT	5,361	1.53	65	-8.73	119.71
93	Charlotte-Gastonia-Concord, NC-SC	10,732	1.51	66	9.49	13.40
94	Dallas-Fort Worth-Arlington, TX	35,520	1.50	67	2.86	-4.58
95	Brownsville-Harlingen, TX	2,151	1.50	67	29.27	131.04
96	Tulsa, OK	5,843	1.47	68	22.32	65.29
97	Nashville-Davidson--Murfreesboro--Franklin, TN	9,253	1.45	69	-1.92††	75.48††
98	Virginia Beach-Norfolk-Newport News, VA-NC	9,794	1.44	70	49.85†	363.73†
99	Columbia, SC	4,461	1.44	70	64.98	362.76
100	Eugene-Springfield, OR	2,143	1.43	70	78.88	179.40
101	South Bend-Mishawaka, IN-MI	1,997	1.43	70	-7.25	7.31
102	Mobile, AL	2,536	1.42	70	44.83*	16.92*
103	Richmond, VA	7,177	1.41	71	39.12	682.66
104	Albuquerque, NM	4,970	1.41	71	84.90*	124.38*
105	York-Hanover, PA	2,448	1.41	71	50.09	603.45
106	Manchester-Nashua, NH	2,270	1.40	71	1.79	301.06
107	Fort Wayne, IN	2,486	1.40	72	-24.37	-6.51
108	Baltimore-Towson, MD	15,064	1.36	73	27.92	88.72
109	San Antonio, TX	9,934	1.31	76	23.66	29.91
110	Boston-Cambridge-Quincy, MA-NH	23,828	1.31	76	-19.43	126.27
111	Houston-Sugar Land-Baytown, TX	28,338	1.30	77	-11.39	13.71
112	New Orleans-Metairie-Kenner, LA	5,741	1.30	77	31.28	147.88
113	Philadelphia-Camden-Wilmington, PA-NJ-DE-MD	31,020	1.30	77	14.75	101.14
114	Olympia, WA	1,300	1.29	77	16.49	111.73
115	Boulder, CO	1,596	1.29	77	27.88	42.63
116	Reading, PA	2,065	1.29	78	31.36	199.28
117	Austin-Round Rock, TX	8,002	1.25	80	39.48	54.60
118	Hagerstown-Martinsburg, MD-WV	1,394	1.23	81	56.28	155.78
119	Augusta-Richmond County, GA-SC	2,778	1.23	81	12.52	42.17
120	Anchorage, AK	1,710	1.22	82	15.54	71.00
121	Providence-New Bedford-Fall River, RI-MA	8,236	1.22	82	-17.24	144.32
122	Springfield, MA	3,439	1.21	82	-20.60	74.57
123	Greensboro-High Point, NC	3,782	1.21	83	-3.89	22.39
124	Bremerton-Silverdale, WA	1,221	1.21	83	19.35	89.01
125	Springfield, MO	2,218	1.21	83	14.15†	98.21†
126	Killeen-Temple-Fort Hood, TX	1,748	1.20	83	33.23	146.20
127	Montgomery, AL	1,866	1.19	84	112.77*	318.39*
128	Honolulu, HI	3,985	1.19	84	141.96	672.29
129	Louisville/Jefferson County, KY-IN	6,302	1.15	87	47.07	97.12
130	Winston-Salem, NC	2,375	1.15	87	-2.98	23.50
131	New York-Northern New Jersey-Long Island, NY-NJ-PA	84,054	1.14	88	7.19	68.09
132	Knoxville, TN	3,517	1.14	88	-0.71††	94.52††
133	Norwich-New London, CT	1,326	1.14	88	-12.24	55.63
134	Madison, WI	2,790	1.13	88	118.14*	209.31*
135	Barnstable Town, MA	1,749	1.12	89	-16.67	130.43
136	Des Moines-West Des Moines, IA	2,643	1.12	89	28.99	74.46
137	Hartford-West Hartford-East Hartford, CT	5,502	1.12	89	-12.74	48.78
138	Allentown-Bethlehem-Easton, PA-NJ	3,628	1.09	92	52.50*	255.69*
139	Columbus, GA-AL	1,394	1.09	92	19.35	84.15
140	Appleton, WI	973	1.08	93	82.55*	62.71*
141	Jackson, MS	2,347	1.07	94	198.98*	240.64*
142	Davenport-Moline-Rock Island, IA-IL	1,742	1.06	95	37.06	97.95
143	Fort Smith, AR-OK	1,296	1.05	95	24.02	120.78
144	Raleigh-Cary, NC	4,300	1.01	99	-3.24	11.28
145	Roanoke, VA	1,359	0.97	103	351.50*	1,537.35*
146	Poughkeepsie-Newburgh-Middletown, NY	2,394	0.97	103	-15.29	263.28
147	Clarksville, TN-KY	1,048	0.96	104	-0.66††	70.41††
148	McAllen-Edinburg-Mission, TX	2,379	0.96	104	20.03	674.92
149	Amarillo, TX	907	0.92	108	6.83	29.02
150	Waco, TX	817	0.89	112	2.25	54.15
151	Huntsville, AL	1,469	0.88	114	78.06*	1,832.89*
152	Oklahoma City, OK	4,582	0.88	114	-7.94	13.25
153	Laredo, TX	608	0.88	114	48.29	221.69
154	Wichita, KS	2,196	0.85	118	29.33	231.72
155	Topeka, KS	860	0.83	120	63.81	246.77
156	Pittsburgh, PA	9,220	0.83	120	-7.92	129.13
157	Baton Rouge, LA	2,650	0.83	121	139.39*	223.17*
158	Corpus Christi, TX	1,383	0.79	127	8.05	54.01
159	Springfield, IL	745	0.77	129	-17.86	-3.87
160	El Paso, TX	1,905	0.75	133	35.30	51.79
161	Sioux Falls, SD	671	0.73	136	101.50*	11,083.33*
162	Lancaster, PA	1,410	0.73	137	21.34	308.70*
163	Shreveport-Bossier City, LA	1,227	0.71	140	101.81	361.28
164	Yakima, WA	583	0.70	142	24.57	4.86
165	Peoria, IL	1,128	0.69	144	-25.00	4.06
166	Rochester, NY	2,602	0.59	170	-31.97	-23.65
167	Cedar Rapids, IA	631	0.57	176	-4.97	24.21
168	Champaign-Urbana, IL	542	0.56	180	26.05	45.31
169	Erie, PA	646	0.55	183	15.56	80.45
170	Lafayette, LA	604	0.55	183	112.68*	268.29*
171	Durham, NC	1,160	0.54	184	-44.39	-27.55
172	Harrisburg-Carlisle, PA	1,253	0.54	184	52.06*	99.21*
173	Duluth, MN-WI	733	0.54	187	-10.17	42.61
174	Buffalo-Niagara Falls, NY	2,780	0.53	187	-27.64	25.51
175	Portland-South Portland-Biddeford, ME	1,334	0.52	191	-1.98	532.23
176	Omaha-Council Bluffs, NE-IA	1,827	0.52	192	-30.08	-39.44
177	Spartanburg, SC	618	0.51	195	-41.31	69.78
178	Binghamton, NY	566	0.51	195	20.17	319.26
179	Evansville, IN-KY	811	0.51	197	-32.98	4.11
180	Gulfport-Biloxi, MS	539	0.50	199	783.61*	3,070.59*
181	Spokane, WA	979	0.50	199	-14.57	-2.97
182	Scranton--Wilkes-Barre, PA	1,276	0.49	202	-21.23	85.74
183	Lexington-Fayette, KY	889	0.44	228	-10.02	91.59
184	Wilmington, NC	800	0.41	245	-32.09	19.94
185	Beaumont-Port Arthur, TX	649	0.40	248	-19.48	-33.64
186	Longview, TX	335	0.40	253	90.34	1,016.67
187	Kingsport-Bristol-Bristol, TN-VA	537	0.37	271	9.82††	208.62††
188	Huntington-Ashland, WV-KY-OH	484	0.37	273	56.13	146.94
189	Hickory-Lenoir-Morganton, NC	527	0.34	298	-43.88	-40.99
190	Albany-Schenectady-Troy, NY	1,220	0.32	311	-49.50	26.29
191	Lubbock, TX	378	0.32	312	-7.35	800.00
192	Lynchburg, VA	325	0.30	332	269.32*	884.85*
193	Houma-Bayou Cane-Thibodaux, LA	225	0.28	363	378.72*	650.00*
194	Kennewick-Richland-Pasco, WA	230	0.27	372	-61.67	-64.72
195	Asheville, NC	455	0.23	439	-39.66	-33.19
196	Tuscaloosa, AL	212	0.22	448	130.43*	631.03*
197	College Station-Bryan, TX	167	0.19	519	7.05	-10.22
198	Fayetteville, NC	289	0.19	522	-76.47	-79.87
199	Syracuse, NY	526	0.18	543	-48.83	44.11
200	Charleston, WV	226	0.16	643	43.04	58.04
201	Lincoln, NE	140	0.11	880	-80.11	-80.23
202	Utica-Rome, NY	70	0.05	1,943	-51.39	0.00
203	Burlington-South Burlington, VT	45	0.05	1,972	9.76	246.15

*Actual increase may not be as high due to data collection changes or improvements
**Collection of records classified as NOD began in August 2009 because of change in state law
† Collection of some records previously classified as NOD in this MSA was discontinued starting in January 2009
†† Collection of some records previously classified as NOD in this MSA was discontinued starting in September 2008

About RealtyTrac Inc.
RealtyTrac (www.realtytrac.com) is the leading online marketplace of foreclosure properties, with more than 1.5 million default, auction and bank-owned listings from over 2,200 U.S. counties, along with detailed property, loan and home sales data. Hosting more than 3 million unique monthly visitors, RealtyTrac provides innovative technology solutions and practical education resources to facilitate buying, selling and investing in real estate. RealtyTrac’s foreclosure data has also been used by the Federal Reserve, FBI, U.S. Senate Joint Economic Committee and Banking Committee, U.S. Treasury Department, and numerous state housing and banking departments to help evaluate foreclosure trends and address policy issues related to foreclosures.
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Prince George's County Maryland Christmas Tree Recycling

2010-01-10T07:02:00.000-08:00

	THE PRINCE GEORGE'S COUNTY GOVERNMENT OFFICE OF THE COUNTY EXECUTIVE For Immediate Release: December 22, 2009 Contact: Carol Terry, Public Information Officer, (301) 883-5961

PRINCE GEORGE'S COUNTY OFFERS CHRISTMAS TREE RECYCLING PROGRAM

LARGO, MD – The Prince George’s County Department of Environmental Resources (DER) will provide free Christmas tree collection and drop-off services for all County citizens and residents for recycling of their live Christmas trees. To participate in this program, residents with yard waste collection service should place their undecorated Christmas trees at curbside before 6:30 a.m. on their regularly scheduled collection day beginning December 28, 2009. Residents may also bring their undecorated trees, at no charge, to the Prince George’s County Yard Waste Recycling Facility or to the Brown Station Road Public Convenience Center through January 29, 2010. The Yard Waste Recycling Facility, located at 6601 Southeast Crain Highway in Upper Marlboro, will accept one Christmas tree per vehicle, Monday through Friday, from 7:30 a.m. to 3:30 p.m. The Brown Station Road Public Convenience Center, located at 3501 Brown Station Road in Upper Marlboro, will accept Christmas trees (with no limitations) Monday through Saturday from 7:00 a.m. to 6:00 p.m. “This is an eco-friendly way to dispose of your Christmas trees,” said Charles W. Wilson, DER Director. “Every tree that is collected will be shredded and cured into mulch for our annual Mulch Giveaway event that is held in the spring.” Last year, DER’s Waste Management Group (WMG) collected over 420 tons of Christmas trees for recycling. For more information on Christmas tree recycling, call WMG’s Recycling Team at (301) 883-5045. For information about your yard waste collection day, call the Collection Team at (301) 952-7630.

How to Recycle Your Christmas Tree in Montgomery County Maryland

2010-01-10T06:53:00.000-08:00

How to recycle/dispose of Christmas trees

Curbside collection: Weekly - recycling
County facilities accepting Christmas trees:
Solid Waste Transfer Station

How to prepare your tree | Artificial tree disposal | Wreaths/Roping | Using "recycled" Christmas trees

How to prepare your tree

Christmas trees will be collected on your recycling day with the rest of your blue bin recyclables from Monday, December 28, 2009 through Friday, January 29, 2010. Make sure your Christmas tree is at the curb by 7 a.m.
Christmas trees are given a new life after being composted or chipped for mulch, so keep the tree in a natural state.

Please remove the stand and all decorations, including lights, ornaments, tinsel, and garland. Be sure there is no metal attached to the tree.
Trees cannot be left at the curb in plastic bags.
"Live" Christmas trees with root balls and artificial trees cannot be collected as part of this recycling program.

After January 29, 2010, you may still recycle your tree through our curbside yard trim collection. Please note that the tree must then be cut into smaller pieces.
Residents of apartments and condominiums should check with their property manager or representative for specific recycling instructions.
You can also recycle branches and needles at home by placing them under trees and shrubs as a temporary winter mulch -- or chop them up and add them to your compost pile!

How to dispose of your artificial tree

If you have Montgomery County-provided trash collection service

If you have Montgomery County-provided trash service, please call us at 240-777-6410 to request a bulk trash pickup for your artificial Christmas tree. [ Bulk trash details: www.montgomerycountymd.gov/bulktrash ]

If you have privately-provided trash service

If you have privately-provided trash service because you or your homeowners' association have direct contract with a company, please check with your collection company for instructions.

If your artificial tree is still in usable condition

If your artificial Christmas tree is still in usable condition, consider offering it to a fellow community member on your local Freecycle Network group.

Wreaths/Roping

Wreaths and roping are typically bound together with wire. Wire could damage our shredding equipment. And, pieces of wire would become "contaminants" in mulch.
If you are able to separate the greens from their wire, you may bag or bundle them as yard trim, and then set them out for collection on your recycling day. Otherwise, please dispose of your wreaths and roping as trash.

Using "recycled" Christmas trees

Collected Christmas trees are shredded, resulting in a very good quality mulch. Therefore, January and February are excellent months in which to stock up - for free! - at Neighborhood Mulch Preserves.

The Associated Press: Citi to suspend foreclosures for 30 days

2009-12-17T11:21:00.000-08:00

Great news for some homeowners facing foreclosures. Citi has decided to suspend all foreclosure and evictions starting today and ending January 17th 2010. This suspension only applies to mortgages owned by Citi. Please note that some people may pay Citi, but the mortgage is not owned by Citi. Merry Christmas. If you have any questions, I would direct them to: The Office of Homeownership Preservation today. By Phone: 1-866-915-9417 Via e-mail: mortgagehelp@citi.com
The Associated Press: Citi to suspend foreclosures for 30 days

How to Ask The Right Questions When Buying a Short Sale Property | eHow.com

2009-12-11T11:12:00.000-08:00

Short sales, simply put, are very complicated. This article is meant for potential buyers who are thinking of writing an offer on a short sale. What is a short sale? A short sale is when the bank(s) who is holding the mortgage(s) agrees to take less than what is owed in order to avoid foreclosure. There is no sure fire way to know which short sale will be approved and which ones will not. The key to any short sale is a lot of patience. Be prepared to wait 6 months or more for a short sale to get approved. The other difficulty with short sales is that not all short sales get approved. I have heard statistics that only 1 in 8 short sales are approved. I’ve seen other statistics that only 1 in 10 short sales are approved. These questions will help you figure out which properties have a better likelihood of getting approved and finally go to settlement. Click Here to continue Reading....How to Ask The Right Questions When Buying a Short Sale Property | eHow.com

Maryland Million Dollar Foreclosures

2009-12-01T15:57:00.000-08:00

Here are the most expensive foreclosures in Maryland Active in the MLS (multiple listing service) as of 12/01/2009. I get this question a lot and so I decided to blog this list. This just goes to show that we are all in this together and no one is immune from the foreclosure monster.

Just a note: These properties are not listed by my company and are posted on this site for informational purposes only.

How to Buy a House With a Rehab or Renovation Loan | eHow.com

2009-11-30T12:48:00.000-08:00

There are a lot of great deals in the real estate market right now. There are many foreclosures and short sales listed at below market prices. The problem with most of these bargain priced homes is that they are usually in very bad condition and cannot be bought with a regular conventional or FHA loan. How do you buy a home with mold or water damage? How do you buy a home that has a missing kitchen? How do you buy a home with missing HVAC system? One way is to buy this home for cash. Not too many people can afford to buy a house in cash, so here is another way. The other way to buy a house that needs lots of repairs is with a renovation loan. A renovation loan, loans you the money to buy the property and the money to make the repairs. Click here to continue reading...How to Buy a House With a Rehab or Renovation Loan

How to Buy a House With Mold or Water Damage | eHow.com

2009-11-30T11:23:00.000-08:00

I’m sure you have heard that it is a buyer’s market. There are a lot of great deals in the real estate market these days. There are a lot of foreclosures and short sales at great prices. So, you have found the perfect house in the perfect neighborhood. The house is practically perfect except for water damage or mold problem. If the property has water damage then there is the possibility that mold is present. Mold can be toxic and cause many health issues. How do you proceed if you still want to buy this house? ,,,, Click here to continue reading. How to Buy a House With Mold or Water Damage | eHow.com

How to Select a Mold Removal or Remediation Company/professional | eHow.com

2009-11-24T19:16:00.000-08:00

Are you buying a house that has mold? Have you just discovered mold in your basement or closet? Mold is not just ugly and a nuisance, but it can also be toxic. It is important to hire the right professional to remove the mold. You will need to act quickly since mold can spread quickly. It is difficult to choose the right contractor when there are no industry wide standards or certifications. So here are a few questions to ask and a few tips to consider when choosing a mold removal professional. How to Select a Mold Removal or Remediation Company/professional | eHow.com

National home prices up 3.1% in third quarter - Nov. 24, 2009

2009-11-24T06:41:00.000-08:00

The S&P/Case-Shiller index tracks U.S housing prices by tracking the prices of 20 major metropolitan areas in the United States.
National home prices up 3.1% in third quarter - Nov. 24, 2009

Housing Market | Existing-Home Sales Record Another Big Gain, Inventories Continue to Shrink | HouseLogic

2009-11-24T06:25:00.000-08:00

It looks like the general housing market is improving. The inventory is shrinking and buyers are coming out.
Housing Market | Existing-Home Sales Record Another Big Gain, Inventories Continue to Shrink | HouseLogic

How to Select the Right Home Inspector | eHow.com

2009-11-22T13:09:00.000-08:00

When you are buying a property, the home inspector can be your best friend. You should never buy a property without doing a home inspection, even if the property is being sold in “as-is” condition. You need to know exactly what condition the property is in. A home inspector will not only tell you the condition of the property but will also educate you on how to perform maintenance tasks in your new property. They will tell you where to the emergency shut off valve for the water is located and how to change the furnace filter, etc. Most real estate agents know some basics of the condition of the property, but you should not rely on their knowledge. Here are some questions to ask to help you choose the right home inspector for you. How to Select the Right Home Inspector | eHow.com

Silver Spring Home Prices and Home Values in MD - Zillow Local Info

2009-11-22T12:59:00.000-08:00

Zillow graph showing values in Silver Spring, Maryland. Very cool to see the trend going back up.

Silver Spring Home Prices and Home Values in MD - Zillow Local Info

Best Christmas Tree Farms in Montgomery County Maryland - Associated Content - associatedcontent.com

2009-11-22T11:33:00.000-08:00

Christmas is right around the corner. Have you thought about your Christmas tree yet? Are you getting a real tree or a real fake tree? Just in case you are getting a real tree here is a list of the best Christmas tree farms in Montgomery County, Maryland. Best Christmas Tree Farms in Montgomery County Maryland - Associated Content - associatedcontent.com

How to Rent a House Without Using a Real Estate Agent | eHow.com

2009-11-21T19:52:00.000-08:00

Renting a property can be a daunting task. There are so many questions to be answered. How do you pick the right tenant? How do you know if this person will pay the rent and on time? Do you hire a Realtor to market and help you screen a tenant? Hiring a Realtor is the easy way to rent a property. However, if you do not have the money to pay the Realtor, you will have to do it yourself. Here are a few tips to help you market your property and choose a good tenant. How to Rent a House Without Using a Real Estate Agent | eHow.com

Montgomery County, Maryland Modified Trash Collection Schedule

2009-11-21T08:08:00.000-08:00

Montgomery County Division of Solid Waste Services
* Holiday Recycling and Trash Reminder *

In this announcement:

Thursday, November 26, 2009 - Thanksgiving Day - is a recycling and trash collection holiday. After the holiday, all County-provided recycling and trash collections will slide, and be one day later than normal.

If your normal collection day is:	Your collection day for the week of November 26, 2009, is:
Monday	Monday
Tuesday	Tuesday
Wednesday	Wednesday
Thursday	Friday
Friday	Saturday

If you have any questions or concerns about your County-provided collection, please contact our Customer Service staff online or call 240-777-6410.
Note: if you (or your community) have a private contract for your trash collection, or if you live in a municipality, our schedule announcements may not apply to your trash service -- check with your hauler or community manager.

Shady Grove Solid Waste Transfer Station

Wednesday, November 25, 2009: Site and administrative offices close at 5:00 p.m.
Thursday, November 26, 2009: Site and administrative offices closed.

Poolesville Beauty Spot

no changes to hours of operation

America Recycles Day wrap-up

In our last holiday email, we announced the four paper shredding and donation events we held on November 14 and 15, 2009, in celebration of America Recycles Day.
The statistics from those events are:

1,188 vehicles serviced through the four event sites (Eastern Montgomery and Upcounty Regional Service Centers and John F. Kennedy and Walt Whitman High Schools).
40,900 pounds (or 20.45 tons) of paper shredded and recycled
7 donation trucks filled with a wide variety of household goods

How to understand the Federal Housing Tax Credit Extension | eHow.com

2009-11-20T05:49:00.000-08:00

All those potential first time home buyers who were afraid that they were not going to make the deadline for the first time home buyer tax credit can rejoice. The first time home buyer credit has been extended and expanded. President Obama signed the legislation November 6, 2009 as a part to stimulate the U.S. Housing market. Here are the details. How to understand the Federal Housing Tax Credit Extension | eHow.com

Foreclosure Listings Just Listed 11/19/2009

2009-11-20T05:33:00.000-08:00

The following Properties were listed November 19, 2009-- Montgomery County & Prince George's County Maryland:

$164.900 -- Montgomery Village, MD 20886 -- 3 bedrooms, 2 full baths, fully finished basement contemporary townhouse in the Overlea neighborhood.

$415,000 -- Gaithersburg, MD 20886 -- 3 bedrooms, 3 full baths, 1 half bath, fully finished basement, 2 car garage colonial townhouse in the Candle Ridge MV neighborhood.

$875,000 -- Bethesda, MD 20817 -- 4 bedrooms, 3 full baths, 1 half bath detached split level with carport in the Kenwood Park neighborhood.

$195,000 -- Rockville, MD 20850-- 3 bedrooms, 1 full bath, detached rambler in the Maryvale neighborhood.

$299.900 -- Gaithersburg, MD 20879 -- 4 bedrooms, 2 full baths, 1 half bath, detached colonial with 2 car garage in the Charlene neighborhood.

$989,000 -- Potomac, MD 20854 -- 5 bedrooms, 3 full baths, 1 half bath, partially finished basement with 2 car garage and circular driveway in the McAuley Park neighborhood.

$365,000 -- Silver Spring, MD 20904 -- 4 bedrooms, 2 full baths, 1 half bath fully finished basement colonial townhouse in the Nottingham Woods neighborhood.

$139,900 -- Hyattsville, MD 20783 -- 5 bedrooms, 2 full baths, fully finished basement with 1 car garage detached rambler in the Adelphi Knolls neighborhood.

$425,000 -- Kensington, MD 20895 -- 3 bedrooms, 1 full bath, 1 half bath, full unfinished basement detached cape cod in the North Kensington neighborhood.

$1,340,000 -- North Potomac, MD 20878 -- 6 bedrooms, 4 full baths, walkout basement, detached colonial in the Darnestown Outside neighborhood.

$639,000 -- Brookeville, MD 20833 -- 4 bedrooms, 2 full baths, 1 half bath unfinished basement, 2 car garage detached colonial in the Manor Oaks neighborhood.

$183,150 -- Silver Spring, MD 20904 -- 3 bedrooms, 2 full baths, back to back colonial townhouse in the Stockbridge/Tanglewood neighborhood.

$349,997 -- Rockville, MD 20852 -- 2 bedrooms, 2 full baths, 1 half bath colonial townhouse condo in the Cherington neighborhood. Condo fee is $180.00

$469,500 -- Potomac, MD 20854 -- 3 bedrooms, 2 full baths, 2 half baths, walkout level basement, contemporary townhouse in the Inverness Forest neighborhood.

$3,698,000 -- Potomac, MD 20854 -- 8 bedrooms, 8 full baths, 3 half baths fully finished basement detached colonial with 10 car garage in the Palatine neighborhood.

$279,999 -- Laurel, MD 20707 -- 3 bedrooms, 2 full baths, 1 half bath, townhouse .

$249,000 -- Rockville, MD 20853 -- 3 bedrooms, 2 full baths, full basement detached rambler in the Stoneybrook Estates neighborhood.

$258,000 -- Derwood, MD 20855 -- 3 bedrooms, 2 full baths, 1 half bath, fully finished basement colonial townhouse in the Mill Creek South neighborhood.

$379,990 -- Adelphi, MD 20783 -- 5 bedrooms, 3 full baths, 1 half bath fully finished basement 2 car garage detached colonial in the Cherry Mill neighborhood.

$229,700 -- Beltsville, MD 20705 -- 5 bedrooms, 2 full baths detached split level in the Calverton neighborhood.

$185,200 -- Gaithersburg, MD 20879 -- 3 bedrooms, 2 full baths, fully finished basement colonial townhouse in the Montgomery Meadows neighborhood.

$184,900 -- Germantown, MD 20874 -- 3 bedrooms, 2 full baths, 1 half bath fully finished basement colonial townhouse in the Pleasant Fields neighborhood.

Please give us a call (301) 585-5000 or (301) 254-3445 or send us email to Results001@aol.com to request more information on these or any other properties. We represent our clients as buyer agents.

The data relating to real estate for sale on this page comes in part from the Internet Data Exchange Program of MRIS. Information provided is for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Results Real estate does not display the entire MLS database on this page. The listings of some real estate brokerage firms have been excluded. All information deemed reliable but not guaranteed and should be independently verified. Neither listing broker(s) nor Results Real Estate shall be responsible for any errors or omissions, misinformation, misprints and shall be held totally harmless.