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About Pat Hiban Real Estate Group:
Meet The Team - Information about Pat Hiban Real Estate Group of Glen Burnie, Pasadena and Howard County, Maryland Testimonials - Read what Pat Hiban Real Estate Group's clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more Maryland home buying & property selling information is guaranteed by Pat Hiban Real Estate Group. Privacy Guarantee - This Glen Burnie, Pasadena and Howard County real estate web site will respect your privacy, guaranteed by Pat Hiban Real Estate Group. No Obligation Guarantee - Pat Hiban Real Estate Group's real estate help by email is free & without obligation for Glen Burnie, Pasadena and Howard County home owners in Maryland. For Real Estate Agents - Let Pat Hiban Real Estate Group help you with your professional real estate broker and agent needs in the Glen Burnie, Pasadena and Howard County area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact Pat Hiban Real Estate Group. Go to Main Sitemap - Main sitemap sections include Find Glen Burnie, Pasadena and Howard County Homes, For Home Buyers, For Home Sellers, Glen Burnie, Pasadena and Howard County Information, Real Estate Resources, and About Pat Hiban Real Estate Group. 
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Closing or Settlement >Closing Paperwork
When you buy a house you are asked to sign an amazing number of documents, especially if you are obtaining a mortgage loan. It is prudent to read all of the papers before signing them, but it may not be practical to do this at the actual closing. There is a way you can read everything first without holding up the closing.
The title company should have the papers ready for your review several days before the closing, but sometimes the lender delivers the paperwork at the last minute. If you insist on reading the fine print on every page, you will probably draw some serious groans from the others at the table. One practical solution is to request copies of all of the standard forms a week before the closing, so that you can read them at your leisure. At the closing you need only to make sure that the information is filled in correctly.
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| Q |
What are considered the ideal conditions for a buyer's market?
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In a buyer's market, there are more houses for sale than buyers, homes take longer to sell, and sellers may have to cut prices. |
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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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