Career Day and Career Night @ Keller Williams Legacy Metropolitan

Career Day and Career Night @ Keller Williams Legacy Metropolitan
by Helene Kelbaugh of Keller Williams Legacy Metropolitan

Let’s Chat!  (443) 465-8443

Schedule Appointment

Have you ever thought about a career in Real Estate? Wonder what it may be like to help people with the biggest financial decision they may make in their lives?  Or, are you currently licensed or working at a brokerage office and considering making a move for other options?
Join Us for Career Day or Career Night at Keller Williams Legacy Metropolitan.
Register Here:


This event is a great opportunity to learn about Keller Williams Legacy Metropolitan and what it takes to get your Real Estate License.
At Career Day or Career Night at Keller Williams Legacy Metropolitan you will learn about the Technology, Productivity Coaching Program, Mentor Program, Training, Education, Teams and more!  This is a great opportunity to ask questions and learn.
When you arrive at Career Day or Career Night at Keller Williams Legacy Metropolitan, you will receive a packet with lots of information on Keller Williams and information on what you will need to get licensed and the requirements for the state of Maryland and school information on where you can register for the licensing course.
In addition, you will have the opportunity to hear from agents that currently work in the office to learn more about the "day in the life of an agent".  You will learn about how the day looks, tasks of the agents, background of the agents and more.
Real Estate is an industry that all of your work experience will surely help.  Many of us, did not grow up in Real Estate and made change from a previous career.  There are agents who were in Technology, Law Enforcement, Hospitality, Banking, Teaching, Nursing and many other backgrounds.
Come check us out and learn more about a career in Real Estate!

Register

Downpayment Assistance Programs in Baltimore

Down Payment Assistance Programs in Baltimore - HeleneSellsHomes.com of Keller Williams Legacy Metropolitan

by Helene Kelbaugh of Keller Williams Legacy Metropolitan

Let's Chat! Sellers & Buyers: (443) 465-8443
Schedule Appointment

There are market here is Baltimore, Maryland is officially HOT!!  Yes. It is HOT!!  By hot, I mean there is limited inventory on the market right now.  There are lots of buyers in the market right now who want to be homeowners. However, there aren't as many listings to go around for all the current buyers to choose from.  This then turns into what we refer to in the industry as a "multiple offer" situation or possibly using an "escalation clause".  An escalation clause is used when there are multiple offers and you indicate how much over the highest over you are willing to go.   Pretty crazy right?  One of my buyer clients asked me, "Helene, if the market is this crazy, what can I do to get ready and be prepared to buy a home in Baltimore?"  Excellent question I told them! In addition, after working with many buyers and sellers and getting them prepared for the home buying and selling season, this is what I tell them.

Down Payment Assistance Programs

Meet with your REALTOR  and find out what amount you may be preapproved for a mortgage.  I know, it's very tempting to want to start with shopping for the perfect house first.  Especially after watching many episodes on House Hunters on HGTV!  However if you don't know what you are preapproved for, how do you know what price ranges you should be shopping in? You don't.  Not without speaking to a lender.  Unless you are using cash.  Not to mention, after you meet with your REALTOR, you could find out more information about down payment assistance programs that you may be qualified for.  Down payment programs are a plenty right now. These programs will greatly reduce if not eliminate the dollar amount (down payment) a buyer has to bring to the table.  In my experience, I have had a buyer who only needed to bring $0.00 to the table!  No that is not a typo!  $0.00! How cool is that?  For the amount that was left over, we were able to apply it to the buyers priciple.  Thus reducting the amount of the morttgage balance.  This reduced the amount of the loan.  For another buyer, they only had to bring $500.00 to closing.  As their REALTOR,  I was able to successfully negotiate the seller covering all of the closing costs. It was a great feeling to help my buyer this way!
Initially the buyer has to or should have an idea of where they want to live.  Some programs are based on the location of the property.  This is key.  If you want to live in Baltimore County and go to the requirement for Baltimore City, you have not qualified for the program.  Once you have that narrowed down, next step is to learn the terms of the program.
For example

• Is the program forgiveable after so many years of living in the home?
• Do you have to pay any of the program back if you sell within in a certain period of time?
• Can you prepay your mortgage without penatly?
• Is the program recorded as a second mortgage or lien against the property?

The terms of the program are crucial.  Be sure that you learn all these ahead of time prior to making the committment.

Down Payment Assistance and Partner Match Programs

Down Payment Assistance and Partner Match Programs may be used for things like down payment, closing costs, and prepaid/escrow expenses.  They may be available in the form of zero-interest deferred loans, forgivable loans, or outright cash grants.

The Maryland Mortgage Program provides help in the form of Down Payment Assistance, as well as a some Partner Match programs from certain employers, some developers and various community organizations that can help you cover these down payment and closing costs.  These programs may make it possible for first-time homebuyers to afford a mortgage when they would not be able to do so the conventional way.

• The zero interest loans are due upon transfer, sale or refinance of the property mortgage
• Forgiveable loans are amortized (dimminished) over a certain period of time as long as you make timely payments and follow the terms of the agreement
• A grant (cash) that is made is given and not paid back 

Maryland Mortgage Program's Down Payment Assistance Program

The Maryland Mortgage Program features Down Payment Assistance, which is an additional loan available to anyone who is eligible for a Maryland Mortgage Program mortgage, helps borrowers put together a suitable down payment on their home. This loan, which can be up to $5,000, is a zero percent deferred loan, which means that you only ever pay back the principal (there’s no interest) after you complete all payments on the main Maryland Mortgage Program mortgage, or if you refinance, sell or otherwise vacate the home.

Partner Match Programs

The Department of Housing and Community Development has partnered with a range of organizations that can provide you with additional funds (sometimes grants, sometimes loans) to help you purchase your first home, and which will be matched by the Maryland Mortgage Program up to $3,500 (as a zero-interest deferred loan - some conditions may apply). These partner organizations include:

Further Assistance from Local Governments

In addition to the Department’s Down Payment Assistance and Partner Match programs, many local governments throughout Maryland offer additional support to purchase a home in their community.  These local governments often work with employers and community organizations to provide local partner assistance beyond state programs already described above.  This assistance can be combined with the Department's Down Payment Assistance and Partner Match Programs to help you with upfront homeownership costs.

For more information on these programs, contact me today. 

Ref:  Maryland Mortgage Program 

Helene Kelbaugh REALTOR® & Internet Marketer, Keller Williams Legacy Metropolitan 410-342-4444 | 443-465-8443 | 2936 Odonnell Street |HeleneSellsHomes@gmail.com | www.HeleneSellsHomes.com |wiseintro.co/helenekelbaugh

Download my mobile app for quick access to listings on the market today! 

    

Easter Egg Hunt at Keller Williams Legacy Metropolitan

Easter Egg Hunt at Keller Williams Legacy Metropolitan

by Helene Kelbaugh of Keller Williams Legacy Metropolitan

Let's Chat! Sellers & Buyers: (443) 465-8443

Schedule Appointment
I recently wrote a blog post about our upcoming, 1st Annual Keller Williams Legacy Metropolitan Easter Egg Hunt.  Our office and staff put this event together.  This was a great way for all of us agents to connect and reach out to our past and current clients and have some fun!  It was also a great way for our office and agents to reach out to the community in Canton, where our office is located.

We didn't do to shabby!  We had hundreds of people show up! It was a hit! Our office had pics with the Easter Bunny, Easter candy and all! Easter Eggs were hidden all throughout the office and everything. There were laughter and joy to be had by all, big kids and little kids!  We did originally plan for our 1st Annual Easter Egg Hunt to be outside in the big park in front of our office.  With the weather starting to become a little iffy, we brought it inside in case of rain! We (office agents) and staff invited our past clients and community! I'm pretty sure we will be doing this again it was such a hit!

We would like to thank everyone for coming out and bringing their families, childrens and friends!  There were so many laughs and cute photos!  Really you could call it the cuteness overload event!

I would like to thank Keller Williams Legacy Metropolitan Leadership and Staff for putting this together!!!!

Original Post:
http://activerain.com/blogsview/5035582/easter-egg-hunt-at-keller-williams-legacy-metropolitan

Download My Mobile App 
✔️ Accurate listings (gps powered)
🏡 Open Houses
📸 Full Screen Photos
👩🏽‍💻 Save your searches and more
📱 Share Homes
🗺 Dynamic Map
🕰 Anytime Access

➡️ And so much more!

👉 www.MobileAppHomeSearch.com