Columbia, Ellicott City and Clarksville real estate and homes for sale in Maryland - Ana Lucia Porter, REALTOR® Ana Lucia Porter REALTOR(r) for Columbia, Ellicott City and Clarksville, Maryland real estate - NUMBER1EXPERT™ Ana Lucia Porter NUMBER1EXPERT(tm) for Columbia, Ellicott City and Clarksville, Maryland real estate
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Ana Lucia Porter, REALTOR®, real estate agents and broker for Columbia, Ellicott City and Clarksville Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)




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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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Real Estate Tips
Insurance >Hazard Insurance

Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea!

Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed.

It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance.

As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot.

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Real Estate Trivia
Q 
What real estate board game became the best-selling game in America just one year after it was created?

A 
Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
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Ana Lucia Porter, REALTOR®, 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."

Equal Housing CRS GRI REALTOR MLS


RE/MAX Columbia, Ellicott City and Clarksville real estate and homes for sale in Columbia, Ellicott City and Clarksville Maryland

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