We provide the convenience of choosing between an in-person meeting or a virtual consultation via Zoom. In this exhaustive session, I will systematically detail the complete sales process from inception to conclusion, guaranteeing that all your questions are thoroughly addressed. Our extensive experience reveals that buyers who are well-informed typically encounter significantly less stress and fewer complications during their home buying journey.

The type of mortgage you select, the amount of your down payment, and the closing costs all affect how much money you'll need to buy a house overall. It's highly recommended to collaborate with a lender and a real estate agent who are both receptive to your needs and eager to thoroughly explore all potential avenues to maximize your savings. These professionals will provide you with the best strategies to ensure a financially sound home-buying process.

There are several programs available to help reduce the cost of buying a home. I recommend that you work with a local lender who understands the market and how to get you down payment assistance and closing cost assistance. 

• $0 down payment
• $100 down-payment FHA loan
• 1% down-payment conventional loan
• Reverse mortgage
• HELOC
• Investor friendly loans

Marvin Calder

NMLS# 1094002

Sales Manager

(443) 294-5738 office

(240) 723-4212 cell

(443) 294-5738 fax

marvincalder@loandepot.com

https://www.loanDepot.com/marvincalder

Avoid Unforeseen Surprises. As a prospective homebuyer, it's crucial to be well-informed and prepared. There are several key aspects that you should thoroughly inspect before making your investment. This presentation will guide you through the essential checks to ensure you make a confident and informed decision when purchasing your new home.

Here are some words and terms that you will encounter during the sales process.

Navigating through the complexities of the Maryland purchase contract can indeed appear daunting at first glance. This document serves as an illustrative example of such a contract, meticulously designed to aid you in understanding its nuances. I encourage you to thoroughly review this sample contract. Should you encounter any questions, doubts, or concerns, don't hesitate to reach out to me. Your comprehension is our priority, and I am here to assist and guide you through this process.

Upon acceptance of your offer by the seller, a comprehensive due diligence period of 5 to 14 days commences. This crucial phase allows for meticulous inspections of the property, including a thorough home evaluation, termite inspection, examination of well and septic systems (if not connected to public utilities), optional radon testing, and chimney inspection. I will meticulously review the inspection reports with you, addressing all your queries, and offering expert advice and recommendations. Following this, you can request that the seller conduct repairs or provide credits for repairs, accept the property in its current condition, or opt to terminate the contract without any penalties.

Explore three effective strategies to bypass Private Mortgage Insurance (PMI) without the conventional 20% down payment. This includes the option of lender-paid mortgage insurance, where the lender pays the cost of PMI in exchange for a slightly higher interest rate. Alternatively, consider piggyback loans, a two-loan structure that eliminates the need for PMI. Lastly, delve into the world of no-PMI loans, a unique mortgage option that completely removes the requirement for PMI, offering potential savings for borrowers.

They may sound similar, but there’s a big difference between a condo and a townhouse—like space and cost. Discover the pros and cons of a condo vs. a townhouse.

My goal is to provide timely and accurate information so that you can make wise decisions. Guide you through the sales process and address all your questions and concerns. I will skillfully negotiate to get you the result you desire.

Over the last seven years, I have built my business by getting results, solving problems, being an effective communicator, and being a skilled negotiator. I look forward to exceeding your expectations.

Certified Luxury Agent Specialist | PGCAR 2022 Silver Award | Realty One Group Top Producer |

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