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Working with Charlotte has been a true pleasure. She kept us organized and informed through the entire process.
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Welcome > Foreclosure List ...

Want to know about every home that has been foreclosed on in your price range? Want to know about all the homes where the seller is more than 60 days behind in their payments and facing potential foreclosure in the near future? Want to know about the homes where the seller has worked out or can work out a “short sale” with his current mortgage company? (Short sale is an agreement where the current lender agrees to take less than is owed so that the seller can dispose of the property prior to foreclosure). 

Fill out the form below to recieve our exclusive list of these type of properties that match your price range. 

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Real Estate Tips
Making An Offer >Creative Offers

Putting together an offer on a home is easy if the buyer has a lot of money, a terrific job and impeccable credit. Many buyers are not in that precise situation, however. And while sellers like to get their asking price, good listing agents prepare them for the possibility of receiving offers that involve some compromises.

Successful real estate agents know how to put together creative offers and do whatever it takes to make a transaction work. If a buyer is low on cash, the agent may structure an offer that shifts closing costs to the seller, minimizing the amount of cash that the buyer needs to close. A variation of a lease purchase arrangement might be effective if a buyer has recently changed jobs or is self-employed. Owner-financing for part of the loan can make a difference in some cases. If your agent brings you a complex offer designed to get a buyer into your home, don't say "no" until you understand the offer.

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Real Estate Trivia
Q 
Fewer than 2 percent of homeowners build this type of home:

A 
Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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Pat Hiban Real Estate Group, REALTOR®, real estate agent and broker for Glen Burnie, Pasadena and Howard County, Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)
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.
Pat Hiban Real Estate Group, REALTOR®, real estate agent and broker for Glen Burnie, Pasadena and Howard County, Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

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 Top Team in Maryland and in the Top 5 Teams 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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