November 2012

Found 22 blog entries for November 2012.

Go to ->> Maryland Dept of Assessments & Taxation website:
Enter address...










Click link below 'Account#' on far right









Records go all the way back to 1999
"Click" under View at far right, to see FULL PROPERTY TAX BILL












You'll be shown the complete TAX BILL
(Make sure you have filed for your Homestead Tax Credit)



















43,926 Views, 0 Comments

Go to the Maryland Department of Assessments & Taxation website









Click "View Map" in upper right-hand corner











You did it, you found the Plat



















7,081 Views, 0 Comments

Understanding my Dec page

Understanding Your Homeowners Coverage

Your Homeowners Declarations Page is the summary of your coverage. It is received annually and is
unique to what you have selected as to the needs to cover you and/or your home from loss.

The Basics
The Declarations Page makes you aware of the following basics about your policy:
-Name and address of the Primary Insured (If married, you or your spouse)
-Name and address of your agent
-Policy Number
-Policy Effective Date
-Name of Mortgage Company that holds your loan (make sure this is up to date)
-Annual Premium
-Any endorsements you have added to your policy (Flood Insurance for example)

Section I
The basic four categories are:
1. Coverage of your home (dwelling)

776 Views, 0 Comments

Co-op Financing

Joe Giampetroni

BB&T Bank
Assistant Vice President
NMLS #415239
301-509-6905 cell
301-590-2381 office

-- Their co-op product goes as high as 90% LTV. In other words, the buyer must put at least 10% down.
-- $0
No monthly mortgage insurance with this co-op product
(If this were a condo building (not a co-op) and financed with an FHA loan, the mortgage insurance would be 1.25% of loan amount/12= $260/month on a $250,000 loan)


Dan Caplan
Monument Bank
7401 Wisconsin Ave.
Suite 400
Bethesda, Md.  20814

Dan is very familiar with the Promenade Towers.  In fact, was Treasurer there at one point.


Leisure World,  Montgomery Mutual;

(1) Bank of America
Bethesda Home Loan Center 301-571-1467

(2) PNC Bank

4,188 Views, 0 Comments

Gaithersburg condos, 100% financing

Below listings are eligible for no down payment.  Ask me for more details to purchase here with $0 down.  Even better, there is no monthly mortgage insurance on your payment.

This page will always display the most recent listings in Timberbrook and the Oaks.  For example's sake, let's say you purchase a condo for $275,000.  Your estimated payment;
$1,355     principal & interest
$330        condo + hoa fee
$308        property taxes
$23          HO-6 insurance (interior)
$0            mortgage insurance (fha would be $286/month)
$2,016     total estimated payment


Close to Washingtonian Woods. Access to 270.

1,092 Views, 0 Comments

Is it possible?  Does such a loan still exist?

The quick answer is yes.  Not too long ago there were many lenders who offered 100% financing.  This was when home values were appreciating fast, and equity was being seen before the ink on the mortgage papers dried.  These were $0 down payment home loans in addition to VA & USDA programs.

VA 100%-- you must be eligible for va financing.  Military or military related borrower
USDA 100%-- the property must be eligible.  It needs to be within a deemed 'rural' area.  In Montgomery County & other MD, D.C. and Virginia suburbs these rural areas can be hard to find.

Not VA or USDA eligible?  There IS another option right now...  If you have very strong credit scores.
You do not have to be a 1st-time home

6,984 Views, 3 Comments


The Windermere community is located in Rockville, MD in the heart of Montgomery County between I-270 and Tuckerman Lane.  The aproximately 40 year old community has over 220 four and five-bedroom single family homes sitting on 1/4 acre plus lots.

Over the past year 5 of these homes have sold ranging from $850,000 to over $1.1 million.  Windermere also offers its residents many recreational features within the community which include a swimming pool, tennis courts, basketball courts, club house with party room, and children's playground. All of these facilities are run and maintained by a very strong Windermere Home Owners Association.

Students living in Windermere go to some of Montgomery County's best public schools which include Luxmanor

2,259 Views, 0 Comments

11619 Paramus Drive
$695,000 in Dufief Mill Estates. North Potomac 20878
6 bed / 3.5 baths. $110 HOA fee

4301 Oaktree Rd
$555,000 in Sycamore Acres.  Rockville 20853
4 bed / 2.5 baths on over 1.3 acres

305 Indian Spring Drive, Silver Spring | Indian Spring Terrace MC7968326
$459,900 in Indian Spring Park.  Silver Spring 20901

14700 Claude Lane, Silver Spring | Colesville MC7968158
$399,900 in Colesville Outside.  Silver Spring 20905

3908 Havard Street, Silver Spring | Conn Ave Park MC7968120
$339,000 in Conn Ave Park. Silver Spring 20906

3107 Gaylor Place, Silver Spring | Glenmont Hills
$239,999 in Glenmont Hills.  Silver Spring 20906


30 Case Street, Gaithersburg | WASHINGTONIAN CENTER MC7968465
$529,900 in Washingtonian Center. 

659 Views, 0 Comments

11710 Old Georgetown Road
$207,000 in the Gallery.  Rockville 20852
Efficiency unit. Garage parking, has washer/dryer (stacked)
$156 condo fee

18101 Cloppers Mill Terrace
$199,900 in Riverstone. Germantown 20874
3 beds / 2 full baths. washer/dryer
$275 condo fee + $36 HOA fee

2104 Bucknell Terrace
$285,900 in Wheaton Towne. Silver Spring 20902 (Wheaton)
3 beds/3.5 baths. 4+ acres
$125 HOA fee



1112 Hawlings Road
$799,000 in Bradfords Rest. Brookeville 20833
5 bedrooms/ 5 bathrooms

19235 Golden Meadow Drive
$469,999 in Seneca Park North. Germantown 20876
5 bedrooms / 3.5 bath. updated home. $75 HOA fee

14700 Claude Lane
$399,900 in Colesville Outside. Silver Spring 20904
4 beds / 2.5 baths. 1.5+ acres. no HOA fee

4813 Wilwyn

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The Fitz condominiums are a short walk to Rockville Town Center.  They are on the other side of 355, just before Rockville Metro station.

Located at 501 Hungerford Drive.  The building is newer, and well maintained.  Has a Pool & exercise room.



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