Information Provided By Robert B. McArtor, REALTOR / Auctioneer http://www.MarylandsHomeTeam.com/ and http://www.mdauctionsales.com/ Call 410-879-0622 Date Opponent Time Broadcast Probable Pitcher Opposing Pitcher Tickets Mon, 4/2 at Twins 7:05p MLB.TV     Buy Tue, 4/3 at Twins 8:10p MLB.TV     Buy Wed, 4/4 at Twins 8:10p MLB.TV     Buy Fri, 4/6 at Yankees 7:05p MLB.TV     Buy Sat, 4/7 at Yankees 1:05p MLB.TV     Buy Sun, 4/8 at Yankees 1:05p MLB.TV     Buy Mon, 4/9 Tigers 3:05p MLB.TV     Tue, 4/10 Tigers 7:05p MLB.TV     Buy Wed, 4/11 Tigers 7:05p MLB.TV     Buy Thu, 4/12 Royals 7:05p MLB.TV     Buy Fri, 4/13 Royals 7:05p MLB.TV     Buy Sat, 4/14 Royals 7:05p MLB.TV     Buy Sun, 4/15 Royals 1:35p MLB.TV     Buy Mon, 4/16 at Devil Rays 7:10p MLB.TV     Buy Tue, 4/17 at Devil Rays 7:10... 02/26/2007

 How to Spot a Baltimore VA REO Diamond in the RoughThe secret to profitable investing in VA REO is the ability to see profits where others see problems. Evaluate every potential property with entirely all the possibilities in mind. Think outside the box - don't even make allowance for houses that are in good complication. Homes that don't must immediate renovation are in high demand, and high demand means high sale prices also low profit potential for you. You ought to abide looking for the foreclosures that no one else wants.Get to be a real estate location specialistPick a geographic real estate locale to work in and find out everything there is to know - schools, shopping furthermore especially how much houses sell for. Specializing in one neighborhood is the secret to finding great... 02/25/2007

 Provided By Robert B. McArtor, REALTOR / Auctioneer http://www.MarylandsHomeTeam.com/ and http://www.MDAuctionSales.com/Population and Housing Profile:  Baltimore city, Maryland POPULATION OF Baltimore city: In 2003, Baltimore city had a household population of 603,000 - 327,000 (54 percent) females and 276,000 (46 percent) males. The median age was 35.6 years. Twenty-five percent of the population were under 18 years and 12 percent were 65 years and older. For people reporting one race, 31 percent were White alone; 66 percent were Black or African American; less than 0.5 percent were American Indian and Alaska Native; 2 percent were Asian; less than 0.5 percent were Native Hawaiian and Other Pacific Islander, and 1 percent were Some other race. One percent reported Two or more races. ... 02/25/2007

 Weary of paying rent to a property-owner every month, with zilch to show for it? Perhaps it's time to get interested in the real estate marketplace and become a first time home owner. This is a immense decision, and an thrilling one, but not one to be taken lightly. Once you decided if home ownership is the correct step for you, ask yourself if you are prepared for the responsibility. You will be the one obligated to keep up the payments, repairs and upkeep. That said, the lack of restrictions of owning your own home means that you can decorate or renovate it however you like. Arrange out your home loan before you start looking for a house, so you can be familiar with terms and what you can afford. Call your bank, credit union or mortgage broker to evaluate plans and rates. Less than p... 02/17/2007

Reverse mortgages helps retirees' cash issues   Struggling on a fixed income? Solve your cash problem by taking a reverse mortgage, which let you borrow against their home equity and forgo repayment as long as they stay in the house.   Once somewhat rare, the number of such backward-looking loans has increased fivefold since 2001, according to the National Reverse Mortgage Lenders Association. The coming together of historically high home values and historically low interest rates means that people are able to take more equity out of their homes, and moderately than resisting the idea, boomer's are helping their parents get the loans, says Bronwyn Belling of AARP. (You can download "Home Made Money," a guide to reverse mortgages, at aarp.org/revmort )  To meet the requirements for a re... 02/16/2007

What a beautiful way to wake up in Baltimore. Yes it is snowing.... Fresh pretty snow that just covers the shrubs, grass and trees a bit. Just real beauty... leaving the streets clear and safe, at least for the moment. Temperatures are dropping and they are calling for ice.  Appointments have been canceled and I am enjoying the scenery from the inside. 02/13/2007

  The weather called for snow and ice and rain etc. Most of the schools are closed but it is a most beautiful morning in Baltimore. Yes, it's still snowing and it will probably freeze. But right now it is so pretty. A light snow that is covering the trees and grass but the streets are clean and safe.  This is a special snow day. Here is a photo taken without leaving my house. This picture is not so clear because of the snow. I am enjoying this beauty!www.HomeRome.comBaltimore,Md  02/13/2007

 Bad Credit Home Loans  Obtaining a home loan with bad credit has actually never on earth been easier than it is today.  Find a good foreclosure deal.  If you can find a property that has 10% - 20% in equity, you may have an easier chance getting financing on that property. To the lender it may be practically as good as if you had a big down payment on the property. An assortment of lenders will consider the home loan to first-rate ratio once more if they analyze the loan. Talk to your mortgage lender and know if this factor could help you take up qualified.  Try Creative Financing asks if the seller would be happy to carry back a second mortgage on the home. This is where you write up a contract or agreement with the seller that you will pay them monthly payments, including interest of... 02/12/2007

Are You a Baltimore BUBBA? Home Buyer Unrepresented by a Buyer's Agent The majority of people, whether in the real estate business or not, have pay attention to of the FSBO a for Sale by Owner seller. The short form has been used for relatively awhile as there has constantly been a sector of the market that decided to sell their home straightforwardly to a new buyer. Nevertheless, there's a new acronym being utilized by Realtors these days. BUBBA or Buyers Unrepresented By a Buyer's Agent. It is making its way into the real estate agent terminology for the reason that this market segment is on the rise. In 2006, according to the National Association of Realtors 2006 Profile of Home Buyers and Sellers, almost a quarter of all sales (23%) were Bubbas. Even though numerous of these home bu... 02/11/2007

Well, It finally happened. As agressive as I want to be in this market, I had to turn away a listing and possibly give it away to a competitor. They wanted to place their home 25 % above the going market of any comp in the area. I have worked way to hard for the ones that I currently have that are over priced and have to draw the line. If someone wants to sell their home at the best price I can suggest to them to sell in a timely manner, that is what I can do for you. The market will only bring what it will bring. I am a real estate agent, not a magician. The job is to sell your home as you want it to, not to have it drag on and potentionally turn into an issue and hurt feelings and worst of all, the loss of the sale when it can happen. I want to have your home sell more than YOU want t... 02/11/2007

 With home prices going down now in some Baltimore markets, the skepticism is starting to emerge more often, "Is nowadays a decent time to buy? Nevertheless there’s a risk that it possibly will go down in value, why, if truth be told should anybody buy a home as an alternative of renting?" It may perhaps be true that renting is cheaper than buying right now, but in the past, but rents will go up sooner than later. Rents always have, and they always will. That takes us to the number one incentive to buy a home, which is the very reason rent always goes up: Appreciation or Net Worth – On behalf of most Americans, buying a home is the smartest economic option they will ever accomplish. According to the Federal Reserve the discrepancy in net worth between homeowners and renters is astronom... 02/08/2007

In my first blog I commented on how it was tough in the begining. Well, that itself is tough enough . Tougher yet is getting sellers to understand that the house they are selling in todays market is not going to bring what their neighbors house brought last year.Everyone thinks what they have is worth more than the next guy, and sometimes it is. Most times it is not. Whats a new agent that is just wanting to do the right thing and price the house right to sell so that his job is complete to do ? Turn down a listing ? It is hard to do that due to there being some other agent that will take the listing just to get it. And they will lock it up and waste their clients valuable time and get their hopes up. In this market, you think the right thing to do is to tie up as many listing as you ca... 02/07/2007

  Buying Baltimore foreclosures can be lucrative. A lot of people have made fortunes doing this. There are quite a few types of foreclosure condition, in the midst of the most widespread ones being late mortgage payments, tax liens, and homeowner association dues. Tax foreclosure sales are more often than not conducted by law enforcement officers (such as a sheriff) or other officials of the taxing jurisdiction. Mortgage foreclosures are characteristically carry out by a trustee selected by the mortgagee or lender. These sales take place in a public auction where bidders may bid to buy the home. The normal foreclosure sale takes place at a public site, such as a county court house. A lot of home buyers would want to bid on foreclosed homes but for one simple reason: lack of money. The f... 02/06/2007

  It's not as tough as you imagine raising your credit score. It's a well known piece of information that lenders will give individuals with higher credit scores the best interest rates on mortgages, car loans and credit cards. If your credit score drops under 620 immediately getting loans and credit cards with practical terms is difficult. Presently there are more than 40 million people in the United States that have credit scores below 620 and if you're almost certainly wondering what you can do to raise credit score for you. Here are six easy tips that you can use to raise credit score Get a copy of your credit report Getting a copy of your credit report is a good idea since if there is something on your report that is inaccurate; you will raise credit score once it is deleted. Make ... 02/04/2007

  A bunch of people get a mortgage from the bank to be capable of buying a home. In view of the fact that the bank maintains the deed, in theory it does not belong to the home buyer until this has been completely paid. If the person is not capable to continue the payments, the home is foreclosed.   Big banks have a bundle of this idle Bank foreclosure REO. A number of of these are commercial while others are residential and given that the bank does not get anything from hanging on to foreclosure homes, it is best to either sell it or have it auctioned of  Must people who want to buy property should think of investing in foreclosure homes. Yes because the majority of these have clear titles and ownership rights, which saves time in doing the research. An extra benefit is the reality that... 02/03/2007

 Credit repair companies say they can delete negative information from credit reports. Marketing them self’s as Credit advisor's, Credit Rating Correction Services or Credit Consultants, they broadcast variations on these ads:  Turned down due to bad credit? We can help out!  Countless of these companies charge hundreds if not thousands of dollars for the promise to cleanse up bad credit reports. Nevertheless the truth is, this business can only do what you could do yourself at no charge. No one can remove negative information that is correct from your credit report. No company has a hush-hush ability to get rid of all negative information. However this doesn't stop their claims. This misleading quote is from a credit repair company brochure: Charged-off accounts, collection accounts, ... 02/02/2007

Selecting the Best Baltimore Mortgage Rates   Your objective is not merely to locate the best rates and programs, by looking through a massive number of lenders products, and save yourself thousands of dollars on mortgage payments every year, nevertheless also, to save time and bother by making it simpler the loan process and reducing the paperwork. At this juncture here are some things you can keep in mind when selecting a mortgage provider.    1. Search for Baltimore Mortgage Rates   You ought to apply securely on line and get immediate on line free quotes.   2. Apply On line    Apply On line with secure  web site.   3. Get pre qualified    Discover out how much money you can borrow for your home purchase!    4. Get Pre Approved     Obtain a free, no commitment pre-approved letter th... 01/28/2007

             It is January 27th and it is 7:30 am. This is happening right now in Baltimore, Mind you the temperature is 21 degrees and the water temperature is a whopping 36.5 degrees. Lots of people are jumping in and exposing themselves for charity. Here is the information about this yearly event in Maryland:http://www.somd.org/plunge/WhatsThePlunge.html"Expose yourself to the coolest event of the year!Expose yourself to the 2007 Polar Bear Plunge and you'll be exposed to a spectacle like no other! For just $50 in pledges, Plunge participants take a quick dip in the Chesapeake Bay to raise funds for Special Olympics Maryland, the state's largest year-round organization devoted to sports training and competition for children and adults with intellectual disabilities. Anyone can partic... 01/26/2007

 So you've decided to sell your home. Seeing that you know, buying a house is the most significant purchase a purchaser can make.   So it's logical that when potential buyers come through your house, your home will be scrutinized like it's never been before (well not ever since you bought it anyway!). Everyone knows you in no way get a second opportunity to make a first impression, so contemplate implementing the following cost-effective idea, before you greet any potential buyers. Reflect on the view that people see at what time they first drive up.  To make sure that you don't send any possible buyers running down the driveway prior to having them even see the house, make sure the outside of the home is immaculate. Paint or wash as required and don't overlook to mow the lawn and spru... 01/26/2007

Any and all comments on the following blog are my personal opinions and for purpose of information sharing ideas and best practices.As a relatively new agent in the market, just my luck to face a market that has come to what many feel as a dead market. I can see where many feel that way as I have heard so many stories about high dollar commission checks that had no end in sight. While I have not gotten rich, not yet anyway, the market has been all that I was promised coming into it when I started. No it is not easy coming into the market when I did. As tough as it has been, it does not seem to be that difficult to make a dollar to provide truly quality services. HONESTY is going to be the service that pays off in the long run. I have had a few opportunities to not be up front and possib... 01/25/2007