Condo for sale in Americana Centre
Rockville, Maryland
$258,900 sales price

Did you know you may be eligible to purchase this condo in downtown Rockville for a total of $4,000 out of pocket and a total monthly payment of $2,568... this payment includes your condo fee, which includes your utilities.
Qualify for this or one of the other low down - low monthly payment scenarios listed below.
- more Rockville condos for sale

estimated total payment
*utilities are included!
$2,568 - 0% down (not va or usda)
$2,652 - 3% down
$2,614 - 5% down
$2,320 - 5% down special

estimated total funds needed
$4,000 - 0% down
$18,900 - 3% down (ask me how to get this down to $11,100)
$23,500 - 5% down (ask me how to get this down to $16,000)
$23,500 - 5% down special ("... 16k)

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House for sale
Damascus, Maryland
$399,900 sales price

You may be eligible to purchase this price Damascus home for a total of $5,500 out of pocket and a total monthly payment of $2,351. Qualify for this or one of the other low down - low monthly payment scenarios listed below.
- Damascus homes for sale

$399,900
estimated total payment - includes property taxes, mi, insurance, hoa fee;
$2,351 • 0% down (not va or usda)
$2,521 • 3% down
$2,424 • 5% down
$1,969 • 5% down special

estimated total funds needed at closing;
$5,500 • 0% down
$25,900 • 3% down (ask me how to get this down to $13,900)
$33,900 • 5% down (ask me how to get this down to $21,900)
$33,900 • 5% down special ("... $21,900)

minimum total household income needed to qualify;
$91,000 • 0% down

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Townhome for sale in Germantown Estates
$369,000 sales price

Did you know you may be eligible to purchase this home for a total of $5,000 out of pocket and a total monthly payment of $2,245?
Or you may be eligible for one of the other low down low payment scenarios listed below.

 

estimated total payment
$2,245 - 0% down (not va or usda)
$2,397 - 3% down
$2,297 - 5% down
$1,904 - 5% down special

estimated total funds needed
$5,000 - 0% down
$24,000 - 3% down (ask me how to get this down to $19,000)
$31,000 - 5% down (ask me how to get this down to $26,000)
$31,000 - 5% down special ("... 26k)

minimum household income to qualify
$87,000 - 0% down
$103,000 - 3% down
$99,000 - 5% down
$82,000 - 5% down special

further cost savings
$461 - 1st time buyer

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Can I buy a $700,000 home with 5% down payment? Yes you can.

Below you'll see 4 different mortgage payment scenarios... 3 with no mortgage insurance added to your monthly payment.  One of the options can allow you to qualify for 20% more home.  Many of my clients don't realize how expensive the home they REALLY want is, until we crunch the numbers.  Property taxes, insurance, hoa or condo fees all add up.  OR, if you're not looking to qualify for more home, stay at your desired sales price and this 4th option will generate significant monthly cash flow based on what you would have paid on your standard 5% down loan.
It's possible to take this option all the way up to $2 million sales price, or use to benefit you at $250,000 sales price.  I'm happy to

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Kevin Durant once played Basketball on top of these Townhomes

Yes, Kevin Durant of the Golden State Warriors, played basketball at the site of the North Quarter townhomes. The tiny Montrose Christian School was once a national high school basketball powerhouse.

But the once Montrose Christian School and church site is no more. What's emerging in 2019 is a new townhouse development by Winchester Homes called North Quarter. 

Branded as North Bethesda, these modern townhomes start in the $600,000's and will certainly push into the $700,000's if the builder can help it. After months of site development, the model homes are going up fast. As of May 20, 2019 -- they look to be just about a month out.

You can expect the typical modern townhome

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These Herbs Liven up Meals and your Property

The weather is starting to break. We will hit 70 + degrees Friday and Saturday, and the birds are super active. Now is a great time to get some early Spring planting done. Even easier, grow some herbs. They can jazz up your cooking instantly. You can also herbs to make teas.

Plus, they make a home and yard look more valuable. If you plan on selling your home soon, having an herb garden is not going to be THE key factor in selling your home for top dollar, but if you don't think some buyers - especially health conscious buyers who like greens and herbs - aren't influenced by a home that shows well and has a nice herb garden, you're missing out.

Here are my Top 8 that my family grows, and

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How to get above 100% ROI on a Kitchen Renovation

Any major kitchen renovation can cost tens of thousands of dollars. And while you may love the end result, your home's valuation may not.

It's not to say you can't just renovate your kitchen because you want to. It's your house. You can do whatever you want. But if you're about to renovate your kitchen, or even pondering it - and you want to do it in a way that gives you more enjoyment, and returns your investment - how do you go about this?

For the purpose of this article, let's focus on the unusually bold claim of getting a big return on a kitchen renovation. With the average ROI of kitchen renovations (according to a multitude of renovation surveys) ranging from between 60% to 80%, it's

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Creating Wealth through Home Ownership

Real Estate can be the best way to get on the path to real wealth.  About 90% of Millionaires are wealthy through real estate.  Whether you're ready to buy now, or, we sit down and create a specific plan now for YOU to buy in the near future... the sooner you decide to commit to this outcome the sooner you can start building Equity!  Did you know there are opportunity zones in Montgomery County?
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You hear the term 'Redlining' and the effects on lower-income neighborhoods. It's a topic frequently discussed... and we're seeing it make the news more and more. One issue, are properties within these areas that are shells or foreclosed… thus affecting the value of neighboring homes.  Appraisers need ‘sold…

100% financing • $0 down

About six years ago I wrote the below article...  not much has changed since then.
VA loans and USDA loans are still the 2 programs that Lenders are referring to when they advertise "No money down!" or "100% financing".  It's a great headline to get you to inquire with the Lender and from there they hope to get you into a program.  Any program.

100% • There is another loan program available if your household income is under 115k.  Most of the Montgomery County area (and MD) is eligible.  No mortgage insurance, and no 2nd loan.  Of course good credit is required.  Don't forget in most scenarios there is still $ you will need to cover closing costs and/or have in reserves after closing.  It is possible to minimize this,

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My average water bill has been about $120 for every 3 month billing cycle ($40/month).

Imagine my shock when my latest bill was over $1,000 !

This happens to homeowners more than we realize.  Whether from a burst pipe while on vacation, or outdoor spigot left open, or as in my case a toilet flapper that wasn't making a complete seal.

I called WSSC and they walked me through a few steps on my Water Meter, first.  We determined the meter was working and matched their outside reading that was taken.  There was no way around it, I had to find the source of the leak and stop it.

WSSC told me to fix the issue, and to then call them back.  They allow for this to happen to their customers 1x every 3 years, and they will ADJUST the bill.  Thank God

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