BJ Matson, Realtor® • Home Buying Advisor
You should never start visiting homes until you have fully addressed how you will pay. Realtors will generally tell clients to call the lender right away. However, I want you to get my advice, first.
25+ years of putting deals together both as a lender and a Realtor has given me a lot to share with you. These years of firsthand experience with my Buyers’ financing has been a great benefit to my current real estate clients.
I have worked directly with thousands of home buyers here in Montgomery County since 1993. About 14 of those years were through my real estate and mortgage company in Rockville. The first half of my career I helped home buyers with their mortgage financing. This extensive hands-on training gave me detailed knowledge working the various Maryland and Montgomery County programs and loan options.
Over the course of my 25+ years here in our local market I have identified over 22 buyer programs, assistance and benefits. The majority of my clients find something they are eligible to take advantage of. Part of my job is to make sure you don’t leave anything on the table!
Many buyers put down 5% or less and need closing cost help. Fewer lenders offer these types of programs or are familiar with them. A lender may not discuss all of your options simply because they don't have them to offer. I want to give you clarity to put your best foot forward. You will gain a good understanding of costs, monthly payment, & funds needed to close. As well as which local lenders may best meet your needs. I look forward to meeting you. It is my business to help you buy for the best price, pay the lowest costs, minimize funds paid out of your pocket, and obtain the lowest monthly payment possible.
- BJ Matson
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Homebuyer's Guide - Programs & Benefits
|Closing costs assistance||First-time Buyer program||$0 down (and va, fha, usda)||VA Buyer program|
|Down payment assistance||0% - 1% - 3% - 5% - 10% down||No Mortgage Insurance||Relocation virtual purchase
|Grant program||Afford more home!||Lower your monthly payment||How much will my monthly payment be?|
As my client, it's my business that you;
- get complete contract liability protection
- get expert advice on loan & buying options given your income, assets, goals, and comfort level.
- buy for the best price
- pay the lowest costs
- use the least amount of funds out of your pocket
- obtain the lowest monthly payment possible
- find & close on your wonderful new home!
It's such a pleasure to write this testimonial for BJ. BJ is really one of a kind! We run into BJ completely by accident - we were working with other agents and we called BJ to see one of his listings in Silver Spring as our agents had other commitments that day and weren't able to show us the property. We liked BJ's professionalism and helpfulness and asked him if he would be willing to work with us... We hated the house we saw but we loved the opportunity to have met him as we strongly believe that if it wasn't for BJ we would not have owned the house we love now!Hiwot Mengesha
BJ is very professional, trustworthy, supportive and resourceful. He never pressures you - actually steps aside and give you the space you need to evaluate a property before he shares his perspective. Some days we felt so bad that we couldn't find our house after seeing 5-8 houses on a single day and doing that 3-4 days per week on average for months. We felt we were having problems deciding and may be having unrealistic expectations for what we could afford and hence, we felt worried if we were wasting too much of his time. But BJ didn't feel that way and he always assured us that it's okay to be honest to our feelings and never settle for anything less than"the one".
BJ is very hard working - always going above and beyond. BJ also works with a network of highly skilled and professional and supportive professionals - from bankers to home inspectors to others - who value you and are willing to go the extra mile because you are BJ's client.
BJ certainly raises the bar high and I can never overstate the expertise, value and positive outlook he brings to the long and complicated home buying process.
Many thanks BJ for all your help and best wishes to you!
Colonnade Kentlands - BJ has a great personality, professionalism and he is very knowledgeable Realtor. He was very patient towards me. He is a good communicator and also is always on time.
Because of him I ended up getting my beautiful condominium in KentlandsSolomon Sahle
Germantown - Buying a home for the first time can be a pretty intimidating process. When I started on my search for a new home I had no idea where to begin or who to talk to. After meeting with a few agents and getting rather frustrated, I stumbled upon BJ’s name and decided to give him a call.
I knew from our first meeting that I had found the agent for me. BJ took the time to walk me through all the steps of the home buying process, helped me to set reasonable expectations on what I could afford, and recommended a few great lenders that shared his customer service values……. And that was all at our first meeting!! For weeks BJ patiently toured all the homes that I wanted to see, was prepared with the details on every house prior to our visit and made notes of all my questions and “must haves” to help narrow the search. When I finally chose “the one” BJ jumped into high gear and coordinated with the selling agent, lender and a host of others to make sure that I got into my new home. I do not know how I would have done it without him.
BJ would tell you that he was just doing his job…… but I have worked with other agents and their knowledge, customer service and follow-through pale in comparison to BJ’s – he really goes above and beyond and I value him as a trusted advisor and friend.Jennifer Russillo
BJ Matson made my dream of owning a home a reality – Thanks BJ!!
Leisure World - BJ was very knowledgeable and easy to work with. He was pleasant, patient and very professional in finding the right house for me. I was so impressed with him that I referred him to my daughter who was also looking for a home. I would highly recommend BJ to all of my family and friends and especially first time buyers because of his confident and calming personality.Josephine B
BJ is the absolute best realtor!!! My wife spent close to a year looking online for a house before we finally decided to get a realtor involved. Our first realtor took us to a few houses, but split her time between us and other clients and never really listened to our needs or showed us the types of homes we wanted (time wasted before getting BJ as our realtor).
My wife then contacted BJ who not only listened to what we wanted (a large kitchen, 4 bedrooms, etc...) but he also spent a LOT of time listening to our needs and providing advice. A short time after having BJ as our realtor we found our dream home.
BJ is friendly, professional, and very knowledgeable. I cannot recommend him highly enough.Scott Pepin
College Park - BJ is a great professional! I would have to say that his strongest quality is communication. He is good at understanding his clients’ needs and he tries hard to achieve the best for them. In a business like real estate, these qualities are CRUCIAL and they’re the differentiating factor from simply good to PERFECT service. In my honest opinion he is one of the best professionals I’ve ever worked with. I highly recommend him!Iason P
I recently purchased my very first home and BJ was very knowledgeable, helpful and patient with me throughout the entire process. He also helped my mother purchase a home too! He exceeded and went over and beyond my expectations. Prior to my settlement, I had some unexpected things happen (I needed a new roof and someone had stolen my a/c unit) and within a few hours of my closing, BJ made sure that both items were replaced! I highly recommend BJ to anyone who is looking to purchase a home.Tanya B
I recently had the pleasure of arranging the mortgage financing for a client of BJ Matson. While the overall transaction had the same bumps that can be expected on any purchase, they were a lot smoother because BJ was the buyer's agent. Any time an issue would arise, BJ was eager to help find a solution. He was never over-bearing or pushy, he was simply interested in finding solutions that would be in the best interest of our mutual client.
I found this quite refreshing; when many agents seem to act in a manner that is to protect their own commission, BJ acted in a manner that was to protect his clients interests. It can be assumed that every first time home buyer will have some hiccup along the way, and when that happens I want BJ on my side.Joshua B
After a lot of back and forth, hemming and hawing, I finally worked up enough courage to begin searching for a house in Silver Spring. I didn’t have much in savings- certainly not the 20% most people want you to have in your savings account before you even start looking.Marlena Al....
BJ is a true professional. He is personable, knowledgeable, creative, enthusiastic, and most importantly, caring. He always has his clients best interest in mind. His attention to detail is superb.Real Estate sales transactions have many moving parts. Contract timeframes and deadlines, appraisal, home inspections, loan financing, settlement dates... BJ has a watchful eye on all these items and is able communicate effectively with all the many different parties to the sales transaction to make sure contracts settle on time.
I have sent clients to BJ in the past and will do so many times in the future without hesitation. As a 20 year veteran of the lending industry, I know how important it is to work with professionals. BJ is a true professional. Need a reference to talk to about BJ – Call me. Eric Strasser, SunTrust Mortgage, Inc. – Industry Professional since 1990. 301-996-5001Eric S
Clarksburg - My husband and I had been looking to purchase a house for 2 years in another state. We relocated to Maryland, not knowing anyone, nor the different areas. I fell onto BJ's website late one night and the next morning, BJ had already taken the time to provide feedback to all my questions.
BJ was always the consummate professional, knowledgeable and always eager to find the answer, if he was unsure about something. Despite us changing our minds SEVERAL times, BJ never expressed frustration or impatience, and most importantly never made us feel bad about our 2nd thoughts. I would definitely recommend BJ to anyone searching for a new place to call their own!Johanne & Raymond
When my wife and I finally decided to embark on the ardous task of buying the "perfect house", we turned to a couple of realtors we knew from previous purchases. To our dismay, we were told that our situation was quite complicated since we owned other properties and that we had set our standards too high! Soon, both the realtors and lenders gave up on us!
That's when BJ came to the rescue and approached us with a renewed sense of hope! From the get go, BJ worked relentlessly and often went the extra mile to simplify the home buying process. He referred us to lenders that were superb! Despite our predicament and high standards, BJ helped us find the perfect house for our family!! Today, we are certain that without his help and dedication, we would have given up the home search long ago.
BJ is smart, professional, relatable, hardworking, moreover, heaven sent!!!Nikodimos Fikru