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My experience with the Pat Hiban Real Estate Group has been very positive.
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"Excellent customer service skills"
Everyone has excellent customer service skills. They were always available to us-even last minute. Also, they were fun to work with and gave us honest advice to make great decisions on both buying and selling. The Pat Hiban Group went above & beyond our expectations.
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Financing Your Home >Early Loan Approval
Many lenders help prospective buyers get pre-approved for a mortgage loan before the buyers begin a serious house-hunting effort. If you are in this position, give the loan officer all of the information about your assets, income, and debts so they can tell you how much you will be able to borrow under the available loan options. The loan officer will do a credit check and work with the lender to straighten out any problems with your credit rating.
Pre-approval from a lender can make you more attractive to the seller when you find the home you want. Multiple offers sometimes come in on a house, and you may find yourself competing with other buyers. In that case, it is helpful if you have included a letter from the lender with your offer stating that you have an approved loan and are, indeed, qualified to buy. This will also save you time by eliminating from consideration any homes that you would not be able to afford.
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| Q |
What area was designed to look like a 1940s southeastern town with traditional architecture?
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| A |
Disney's "Celebration" in Orlando, FL, will eventually have 8,000 houses and many commercial tourist attractions. |
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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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