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NATIONAL ASSOCIATION OF REALTORS®
(NAR) |
A real estate trade organization that sets the
standards for integrity and honesty within the real estate profession
nationwide |
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Negative amortization |
A gradual increase in the balance of a loan or
mortgage which occurs because the monthly payments made are too small to cover
the entire principal and interest charges; this shortfall amount is added to
the remaining balance, resulting in negative amortization |
|
Net listing |
The advertisement of the price of property for
sale in terms of the net price the seller will receive, once the property is
sold, a type of listing which is illegal in many states |
|
Net worth |
The total value of all of an individual's
assets, minus all liabilities or debts |
|
No cash-out refinance |
A transaction for refinancing a mortgage in
which the new mortgage amount is limited to the sum total of the remaining
balance of the first mortgage, points, closing costs, whatever is required to
satisfy any liens that are more than one year old and other funds for the
borrower's use (as long as the amount is one percent or less of the principal
amount of the new mortgage) |
|
Notary |
An individual authorized by law to certify
documents and signatures |
|
Note |
A legal document that obligates a borrower to
repay a loan or owed sum of money at a stated interest rate over a designated
period of time |
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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. |
|
|
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.
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