Perfect starter home or for those looking to downsize. Open floor plan. Living room with gas fireplace and French doors leading out to extended patio. Eat in kitchen with pantry, double sink & lots of cabinets. Master with sitting area and sliding doors leading out to the Tyvek deck. Master bath with double vanity and garden tub. Low maintenance. HOA takes care of front yard. Convenient to shopping and major roadways.

Well maintained home on 1.44 acres! Level lot on a cul-de-sac. Beautifully landscaped. Completely fenced. Hardwoods throughout living area. Living room w/vaulted ceiling & fireplace, formal dining w/chair rail & picture frame molding, kitchen w/island & lots of cabinets. Main level master w/tray ceiling. Master bath has garden tub, separate shower & double vanity. Bonus room up.

Rocking chair front porch welcomes you into this beautifully maintained home. Formal living w/built-ins, formal dining w/crown molding, den w/fp, sunroom, kitchen w/solid surface counters, breakfast bar & stainless appliances. Main level master. 2nd level has 2 oversized bedrooms & huge full bath. Skylights throughout the upstairs. Laundry w/entrance leads to deck & detached 2 car garage/workshop & abundant storage. Home built w/metal framing. Neighborhood pool, pond & walking trail. Close to shopping & major roadways.

MOTIVATED!! All reasonable offers will be considered! Well-maintained, great floorplan on a cul-de-sac in Adams Farm! Bonus Rm has closet (4th BR)! Large bedrooms & closets. Skylights & double vanities in the bathrooms! Sitting area in Master BR would make a great NURSERY or OFFICE. Walk-up attic provides ample storage! Formal living & dining rooms. Hardwoods. Resurfaced countertops, breakfast bar, den has fireplace. Screened-in porch,uncovered deck, fenced yard. MUST SEE.

Great downtown location! Convenient to shopping and restaurants. This well maintained townhome has a living room with gas fireplace and beautiful built-ins, dining area with hardwoods and kitchen with stainless appliances, granite counters, tile backsplash and tile flooring. Master bedroom and 2nd bedroom on the upper level each with their own bathroom. The back yard is completely fenced. Detached garage.

Well maintained home in convenient location! Formal living room, formal dining room w/chair rail & picture frame molding, den w/gas fireplace and built-ins. Kitchen w/granite counters, tile backsplash and breakfast nook. Large master w/walk-in closet, master bath has dual vanities, beautifully tiled tub surround & separate shower. Bedrooms 2 & 3, 2nd full bath & a spacious bonus room which could be 4th bedroom complete the second level. Deck overlooking manicured back yard is perfect for entertaining.

Spacious 3 level townhome. Main level bedroom w/full bath. Huge living room w/fireplace, half bath and kitchen with black appliances. French doors lead out to deck from dining area. Master bedroom with large walk-in closet. Master bath with dual vanities and garden tub. Garage has been finished but can be converted back to large 2 car garage. Special financing incentives available on this property from SIRVA's preferred lender.

Eligible for 100% USDA financing! All brick, built by Venable & just 1 mile from Piney Bluff Landing! Custom hardwoods, high ceilings, triple crown moldings, rounded corners, arched doorways. Gourmet kitchen w granite & tile, cherry cabinets, ss appliances, center island & built-in desk. LR has vaulted ceilings & corner gas fireplace w/ granite surround & TV niche. Double head shower/jetted tub in master bath. Walk-in attic. Bonus room, full bath & finished office/guest room upstairs. MOTIVATED SELLERS!

Location...location! Beautifully landscaped home perfect for entertaining. Hardwoods throughout. Formal living room w/fireplace, formal dining room, den w/fireplace, office with separate entrance, sunroom and a separate 1 bedroom/1 bath studio. Abundant storage. Private courtyard. Large backyard. Close to parks, shopping & restaurants.

Renovated home in sought after Guilford Hills. Spacious living room, dining room and den w built-in shelves & brick fp. Large kitchen w island, skylight & tin ceiling. Master suite w built-in's in closet, master bath w jetted tub & separate tile shower. Deck overlooking fully fenced yard. Add'l parking pad. Gas/Electric hybrid cooling/heating system.

Home prices are one factor in determining your cost of ownership, but so are interest rates and financing availability. Even though interest rates have gone up in the last six months, they are still near historic lows. Since your monthly mortgage payment is a combination of paying down your principal and paying the interest owed, if home prices come down a little further but interest rates go up, it could cost you even more to service a mortgage on an identical home!

While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates and low home prices, rather than to hope for a further break in prices in the future.

Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.

If you have not owned a home in three years, you qualify as a first time home buyer. If you buy a home after April 9, 2008 and before July 1, 2009, you qualify for this credit. Call your friends who just bought a home since April 9th and tell them they may take $7,500 off their tax bill if they qualify. It has to be your principal residence, so rentals do not count.

The tax credit is 10% of the cost of the home, up to a maximum of $7,500. This is not an additional deduction that lowers the amount of income to be taxed, it is a tax credit. In other words, you take $7,500 off your tax bill. But there is a catch; the credit you receive now is actually an interest-free loan that must be repaid.

The loan has no interest, and will be paid back over 15 years. You get the credit on your 2008 taxes, but you start paying it back on your 2010 taxes that are due in 2011, so you get at least two years without a payment. You pay back 6.67% of the credit each year, so for a $7,500 credit the payment is $502.50 per year. If you stay put for 15 years, you pay it off with no interest.

What happens if you sell the house? You pay the balance back at the closing. So, you get $7,500 now, and pay the rest of it back if you make money on the sale of your house. What happens if you do not make enough money when you sell your house? They forgive the rest of the debt.

Other restrictions stipulate that you have to buy your first house in three years before July 1, 2009, not have super high income, not use bond financing and buy anywhere in the US.

If you'd like to learn more about this program, please call me!