Buying Your First Home? Real Estate Agents 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 top Glen Burnie, Pasadena and Howard County real estate experts, it's our job to guide you, from beginning to end. We 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 us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.  New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...
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Relocation >Enhancing Your Home
A moderate climate can help your home sell, but wherever you live, you can enhance your home's hidden potential by bringing the outside into your home. Minor remodeling projects can be tailored to suit your taste and your budget.
Study the placement of your home on the property. A small window can be made larger to let more light into a room and expand the view. You can create an entertainment area for guests by installing a sliding glass door which opens onto your garden or adding a patio or deck. The addition of a skylight in a dark room can make a dramatic improvement.
You can also consider ways to enhance the outdoor features of your home and integrate them into the living space of your home. Such improvements can often greatly increase the value of your property.
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At the doors of what famous temple do you find yourself when you climb the 'Stairway to Heaven'?
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The Temple of Heaven in Beijing, China, attracts the local faithful and tourists. |
 See More Real Estate Trivia > |
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| Charlotte Savoy |
| Keller Willams Crossroads |
| Two Offices to Serve You |
| Ellicott City, MD and Glen Burnie,
MD |
| Office: 410 766-8000 |
| Fax: 410-766-8005 |
| Charlotte@HibanGroup.com |
Charlotte is a native of Howard County and has lived in Maryland her entire life. She currently lives in Ellicott City with her husband, Ike and their three sons Josh, Jalen and Braeden along with their goldendoodle Maya. Charlotte has been in the customer service arena for her entire adult life. She began her real estate career in 1998 and has rapidly taken on more and more responsibility as opportunities arose. She is an experienced agent, having helped more than 1000 customers with their home sale or purchase. Her knowledge of the market and the customer's needs makes her a very successful agent with many customers that return time and time again. This kind of experience can lead to only one conclusion…painless transactions for her customers!
She is known for her sincerity, professionalism and enthusiasm for the real estate business. From 2004-2007, Charlotte has been the Top Producing agent at The Pat Hiban Real Estate Group. |
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Pat Hiban
Keller Williams Crossroads
Two Offices to Serve You
Ellicott City, MD and Glen Burnie, MD
Office: 410-766-8000
Fax: 410-766-8005
homes@hibangroup.com
Pat was born at Georgetown Hospital and has been a Central Maryland resident since his birth. He is a graduate of Wilde Lake High School and Frostburg State University. He currently lives in Columbia with his wife, Kim; 2 daughters and 2 labradors, Libra and Piper. Pat is an active runner, weight trains and practices Tae Kwon Do. In his free time he enjoys his family and enjoys writing.
We are currently the #2 Team out of 80,000+ agents in the USA! Last year we sold more than $150 Million Dollars in Real Estate, while providing a level of service that is second to none!    
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