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,

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

NEW Rockville Townhomes only Steps to Restaurants and METRO

Chapman Row at Twinbrook METRO are the first new townhomes to emerge in the vibrant and developing North Bethesda area. This enclave of townhomes would be on what I'd label the very outer edge of North Bethesda. They're a modern style you see in most of the new, urban townhome developments. 

Sizes range from 2,106 square feet to 2,315 square feet and feature 3 bedrooms and 2 bathrooms with an optional powder room on the kitchen and living room level. The larger model size difference comes from being 2 feet wider than the smaller models. What you'll have to determine is if the layout of the bedrooms works for your situation. What a mean? Well, the 3rd floor, which is the main sleeping

Downtown Bethesda condos across from Trader Joes grocery store

Adagio - Lifestyle & Amenities

- Adagio condos for sale
The Adagio is located at 6820 Wisconsin Avenue, Bethesda, MD 20815. And it's conveniently located just across the street from Trader Joes and just a few blocks from Bethesda Row.

Adagio is a 92-unit condo building consisting of 1-bedroom to 3-bedroom units. The 1 bedroom units are spacious at 900 sq.', and have regularly sold recently close to $500,000. The largest 2 bedroom and the 3 bedroom units typically sell in the $1.1 - $1.3 million range. One penthouse combined two units and sold for over $3 million. It has an extraordinary private terrace. 

I wouldn't describe the building is high luxury, especially in the

Bethesda Row luxury condos by Toll Brothers

Hampden Row - Lifestyle & Amenities

- Hampden Row condos for sale
Hampden Row by Toll Brothers is located at 4915 Hampden Lane in Bethesda, is a new luxury mid-rise condo building just a block from Bethesda Row. Featuring 55 luxury condos priced from $524,990, to over $3,849,990 for the penthouses, Hampden Row is ideally positioned on the corner of Hampden Lane and Old Georgetown Road. The condos use quartz countertops along with Bosch and Thermador appliances.

Rich amenities like a beautifully appointed fitness room, a spacious lower level club room and rooftop lounge with views grills, a unique fireplace, and relaxing views out West for sunsets and all around to Bethesda Row.  Everything is

Bethesda Luxury condos right next to Harris Teeter

Stonehall Bethesda condos - Lifestyle & Amenities

- Stonehall Bethesda condos for sale
Stonehall Condos located at 8302 Woodmont Avenue, Bethesda, MD 20814 (at the corner of Woodmont and Battery) is another addition to the growing Bethesda condo scene.

Stonehall is a luxury condo building consisting of 46 units with either 2-bedrooms and 3-bedrooms. There are also penthouse units, with the largest having south and westerly views and 2,528 square feet of living space. Stonehall is sort of on the fringes of downtown Bethesda, but it certainly measures up to the best in luxury. With a well equipped fitness center, private club room, and a rooftop terrace that will be the best spot in the building

Beautiful, New Downtown Bethesda Condo

Cheval Bethesda Condos - Lifestyle & Amenities

Cheval Bethesda at 4960 Fairmont Avenue in Bethesda, at 17 floors, is the highest condo building in downtown Bethesda to date. Featuring 71 luxury condos price from the low $700,000’s to over $3,000,000 for the penthouses, Cheval rises up at the corner of Fairmont and Old Georgetown Road. With nearly floor to ceiling windows, tons of natural light for a majority of the units, and very modern feel, Cheval Condos will definitely appeal to people looking to live in downtown Bethesda in a newer condo.

The balconies extend your living space out to the city. And rich amenities like a beautifully appointed fitness room, yoga studio, and rooftop club room and social

FOR SALE - 15 Ranworth Court in Germantown

Hurry up and see this beautiful 4 bedroom with 3.5 bathroom home in the sought after Kingsview Ridge neighborhood in Germantown, MD.

Built in only 1999, yet still loaded with lots of NEW:

• NEW HD architectural roof
• NEW 6" gutters and downspouts
• NEW gutter guards
• NEW full bathroom in basement
• NEW renovated and finished basement
• NEW theater room with 150" screen
• NEW basement door that steps out to backyard
• NEW R-28 insulation in basement
• NEW toilets in all 4 bathrooms
• NEW ceiling fans

Call Mark Fitzpatrick direct on 240-687-2650 to see this home fast.

The Glen at Hidden Creek - enjoy high-end living without the high-end price tag

-- The Glen at Hidden Creek townhomes for sale and rent

Hidden Creek area in Gaithersburg

How would you like to live in a three bedrooms, two and a half bath, attractive, new townhouse that is larger than many single family homes in the area?

Nestled in the Hidden Creek neighborhood of Gaithersburg, MD these townhouses feature a den, library, hardwood flooring, granite countertops, a gourmet eat-in kitchen and two car garage for (curently) less than $450K. Enjoy a brick front, end unit townhome that revels in plenty of natural daylight. The top floor is utterly charming with two rooms separated by a Jack and Jill bathroom and windows with great views of the

Bethesda Park condos - a Low Cost entry into a Top School District

--> Bethesda Park condos for sale and rent

Bethesda Park condos – Lifestyle & Amenities

Bethesda Park is a sprawling, older, garden style development just off Parklawn Drive in Rockville, MD 20852. It's just a few blocks off of Randolph Road (and about a 1/2 mile from Rockville Pike). The three streets you'll see for the condo buildings are Academy Way, Crossfield Court, and Braxfield Court.

This part of Parklawn Drive, nearly all the way to Twinbrook Parkway, is mostly industrial and warehouse style businesses. And since the condos are tucked away nicely off Parklawn and surrounded by trees, they are -- if you're unfamiliar with the area -- easy to drive right past.