Columbia, Ellicott City and Clarksville real estate and homes for sale in Maryland - Ana Lucia Porter, REALTOR®

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Ana Lucia Porter, REALTORŽ, real estate agents and broker for Columbia, Ellicott City and Clarksville Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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A Great Job From Beginning To End!
If it hadn't been for Ana Lucia, I don't think the house would have sold.
Ralph and Mary DeCunzo, Pasadena, Maryland
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Ana Lucia Porter is one of The Top Selling Real Estate Experts™
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First Time Homebuyers: Columbia, Ellicott City and Clarksville Maryland home buying, real estate listings, and homes for sale in Howard County, MD

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Columbia real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below...

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Financing Your Home >Balloon Mortgages

In loan terminology a "balloon" is the unpaid loan balance that must be paid in full on a specified due date. Federal savings and loan associations are permitted to make balloon mortgages with as little as five percent down and monthly payments that are smaller than the amount needed to fully amortize the debt. On the due date, which may be only a few years after the loan was made, the balance must be paid off or the loan must be renegotiated. Balloon borrowers must be cautious and plan carefully to avoid overlooking balloon payment obligations. It is easy to be lulled into complacency by the easy monthly payment terms.

Today's complex economics have produced a wide variety of options for potential borrowers, who are often surprised by how much house they can afford to buy. Loan approval is ultimately in the lender's hands, but your real estate agent can help you to determine your real buying power.

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Q	What real estate term was first used in the 19th century and means "a high-flying flag on a ship"?
A	Skyscraper was first used in the 1880s when office buildings of 10 stories or more were built in Chicago and New York.
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Search for local listings in the comfort of your own home.
Access the Metropolitan Regional Information Systems (MRIS), which lists most homes for sale in Maryland, Northern Virginia and the District of Columbia, Ellicott City and Clarksville. Home Prospector and Home Finder do it all!
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Ana Lucia Porter, REALTORÂŽ, real estate agents and broker for Columbia, Ellicott City and Clarksville Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Ana Lucia Porter
RE/MAX 100
11000 Brokenland Parkway, #200
Columbia
MD, 21044
Office: 410-730-6100
Blackberry - Cell: 443-286-2137
Toll Free : 877-715-3255
Fax: 410-740-8258
Email: maryland-real-estate@NUMBER1EXPERT.com
Direct email: marylandhomes@mindspring.com
Ana Lucia Porter is a highly effective REALTOR who brings 29 years of full-time real estate sales and marketing experience to help you achieve your goals. Ana Lucia holds the designation of Graduate of the Realtors Institute and the Certified Residential Specialist (CRS) In her own words: "I strive to use the most modern technology to help achieve the goals of my clients while always remembering that the human side of a residential real estate transaction is the most important."

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NUMBER1EXPERT™ in real estate for Columbia, Ellicott City and Clarksville, Maryland

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