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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Charlotte was able to market our house at a time when the market was depressed and get it sold in under 30 days!
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Pat Hiban Real Estate Group
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Welcome! Here You Can Find Great Information on Central Maryland Real Estate. Specializing in Anne Arundel, Baltimore, Carroll and Howard Counties.  Looking for homes? Search everything the web has to offer, right here! Don't miss our Featured Homes! Also sign up to recieve our exclusive list of Foreclosure Properties! With offices in Anne Arundel County and Howard County, we are able to serve a wide area in Central Maryland with the level of experience and expertise that you would expect from the Top Team at Keller Williams! Need local real estate information? We've summarized much of what is important about the Anne Arundel, Baltimore and Howard County Maryland real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional Real Estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As The #1 Team in Maryland and #2 in the Country, we are Real Estate Agents that have the experience and track record you are looking for! Please let us help. Our Team Looks forward to serving you! -The Pat Hiban Real Estate Group 
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First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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| Q |
What is considered one of the slimmest buildings ever designed?
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| A |
The Carnegie Hall Tower, designed by Cesar Pelli, is only 50 feet wide and 60 stories high. |
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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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