Residential Real Estate Frederick MD

Residential Real Estate in Frederick, MD. Find addresses and phone numbers of local business and services that provide access to Residential Real Estate in Frederick, MD.

Al Mattheis
(301) 371-0830
110 North Pointe Terrace
Middletown, MD
Company
Mattheis Appraisal, Inc.
Appraisal Types
Residental, fha, hud, edi, erc
Licensing Information
License Number: 1380679
Insured
Counties Served
District of columbia, exandria city, Arlington, Fairfax, Fairfax city, Fls church city, Voudoun, Manassas city, Manassas park city, Prince william, District of columbia, Anne arundel, Btimore, Btimore city, Marroll, Mharles, Frederick, Howard, Montgomery, Prince georges, Washington, exandria city, Arlington, Fairfax, Fairfax city, Fls church city, Voudoun, Manassas city, Manassas park city, Prince william

Data Provided By:
Mary Beth Ricker
(240) 372-2499
12515 Sandra Lee Court
Monrovia, MD
Company
Mid-Maryland Appraisal Services
Appraisal Types
Residental, fha
Licensing Information
License Number: 2520
Insured
Counties Served
Marroll, Frederick, Howard, Montgomery, Washington

Data Provided By:
Carole Pare'
(301) 829-3711
13981 Mater Way
Mt. Airy, MD
Company
A+ Statewide Appraisals LLC
Appraisal Types
Residental, fha, va, hud
Licensing Information
License Number: 300 11510
Insured
Bonded
Counties Served
Anne arundel, Btimore, Btimore city, Marroll, Mecil, Mharles, Frederick, Harford, Howard, Montgomery, Prince georges, Washington

Data Provided By:
Carol Hinchley
(301) 698-1541
6587 Whetstone Drive
Frederick, MD
Licensing Information
State: DC

License Number: CR11556
Appraisal Certifications
Certified Residential
Conforms to AQB Criteria
Yes

Anna Doughty
(301) 326-7423
5860 Tami Terrace
Frederick, MD
Company
Ad Appraisal Services, LLC
Appraisal Types
Residential, FHA, EDI capable.
Licensing Information
State Licensed In: Maryland
State License or Certification Number: MD: 28429 / DC: RA10912 / VA: 4001011219
License/Certificate Type: Licensed.
Counties Served
MD: Montgomery, Prince Georges, Anne Arundel, Howard, Frederick, Washington, Charles, Baltimore. VA: Fairfax, Prince William, Stafford. District of Columbia

Data Provided By:
David Thorne
(301) 371-0305
100 Broad Street
Middletown, MD
Company
Thorne Appraisal Services, Inc
Appraisal Types
Residental, fha, edi
Licensing Information
License Number: 20274
Counties Served
Anne arundel, Btimore, Marroll, Frederick, Howard, Montgomery, Prince georges, Washington, Anne arundel, Btimore, Marroll, Frederick, Howard, Montgomery, Prince georges, Washington, Clarke, Frederick, Voudoun, Manassas city, Manassas park city, Prince william, Winchester city

Data Provided By:
Earl Smith
(301) 253-3503
10828 Bellehaven Blvd.
Damascus, MD
Company
Earl L. Smith & Associates
Appraisal Types
Residental, fha, hud, edi, erc
Licensing Information
License Number: 03-583
Insured
Counties Served
Frederick, Montgomery

Data Provided By:
Omari Patterson
(617) 697-1242
Po Box 688
Frederick, MD
Licensing Information
State: DC

License Number: GA10947
Appraisal Certifications
Certified General
Conforms to AQB Criteria
Yes

Scott Kemp
(301) 898-3913
10402 Lenhart Road Appraisers Mid-Atlantic Group, Llc
Frederick, MD
Licensing Information
State: DC

License Number: CR11403
Appraisal Certifications
Certified Residential
Conforms to AQB Criteria
Yes

Joyce A. Sheets
(301) 662-6111
18 W. Church Street
Frederick, MD
Company
Hutzell Appraisal/Consultant Service
Appraisal Types
Residential, Commercial, FHA, VA, EDI capable.
Licensing Information
State Licensed In: Maryland
State License or Certification Number: 04-11954
License/Certificate Type: Certified General.
Counties Served
Frederick, Washington, Howard, Carroll, Montgomery.

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Are You Buying a House or a Home?

As you read and study about buying real estate, you will often find the words "house" and "home" used interchangeably. There is a huge difference between a house and a home.

A house can be a place to eat, sleep, park your car, and put all your "stuff" (including other family members). It is a material possession and an investment. A home is where you feel comfortable, warm, safe, and protected.

A home is where you live.

A house is something you buy logically. A home is an emotional purchase. When buying real estate you have to balance your emotional wants and your logical needs because there will almost certainly be a time when the two conflict.

Example

For example, you may want a house with a view, but the payment is higher than you feel comfortable with on a thirty-year fixed rate mortgage.

What do you do?

Purchase the house anyway and budget more carefully for the next few years? Buy the same house without the view and get it cheaper? Make a larger down payment by borrowing from your 401K or family members, so you get a lower payment? Get an adjustable rate mortgage with a smaller payment instead of a fixed rate loan? Or buy a smaller house and still get the view?

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Things Not to Do Before Purchasing a Home

No Major Purchase of Any Kind

Review the article titled, "Don’t Buy a Car," and apply it to any major purchase that would create debt of any kind. This includes furniture, appliances, electronic equipment, jewelry, vacations, expensive weddings…

…and automobiles, of course.

Don’t Move Money Around

When a lender reviews your loan package for approval, one of the things they are concerned about is the source of funds for your down payment and closing costs. Most likely, you will be asked to provide statements for the last two or three months on any of your liquid assets. This includes checking accounts, savings accounts, money market funds, certificates of deposit, stock statements, mutual funds, and even your company 401K and retirement accounts.

If you have been moving money between accounts during that time, there may be large deposits and withdrawals in some of them.

The mortgage underwriter (the person who actually approves your loan) will probably require a complete paper trail of all the withdrawals and deposits. You may be required to produce cancelled checks, deposit receipts, and other seemingly inconsequential data, which could get quite tedious.

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Buying a Home With Resale Value

There are many things that should be considered when buying a home. Since most homebuyers expect to buy a bigger and better home someday in the future, resale value is an important factor in decision-making. You use the proceeds from selling one home to buy the next one.

While no one can guarantee that your home will grow in value, there are steps you can take that maximize your potential gain.

"Location, Location, Location"

"Location, location, location," is a common and almost hackneyed phrase in real estate literature. Your agent may even throw it at you when you ask for advice about buying a home. However, what does "location, location, location," actually mean? Why repeat it three times?

Mostly, "location" is repeated to emphasize that it is extremely important to the resale value of your home. The idea is to buy a house that will appeal to the largest number of potential future homebuyers. A careful choice of location can minimize potential negative influences on future resale value, and maximize positive influences.

Focusing on resale value requires you to make several different "location" choices. The first choice you have to make is "which community?" At the very least, you should narrow your choice down to just a few local communities.

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