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Real Estate Resources:

• Special Offers - Special offers for Glen Burnie, Pasadena and Howard County homeowners from Pat Hiban Real Estate Group.

• Affiliates - Pat Hiban Real Estate Group's real estate web site affiliates.

• eNewsletter - Pat Hiban Real Estate Group'sGlen Burnie, Pasadena and Howard County newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, Maryland, and United States.

• Market Conditions Report - Market conditions report for this area, Maryland, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Glen Burnie, Pasadena and Howard County, Maryland mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Maryland or buy your own Glen Burnie, Pasadena and Howard County house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Glen Burnie, Pasadena and Howard County mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Maryland real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Pat Hiban Real Estate Group anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Pat Hiban Real Estate Group's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Pat Hiban Real Estate Group's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Glen Burnie, Pasadena and Howard County property in Maryland, including legal terms definitions, and more.

• 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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Buying Land and New Construction >How Easements Affect Your Land It is extremely important to discover whether there are easements on undeveloped land you are thinking about buying. An easement is the legal right to use another person's land for a specific, acknowledged purpose. Easements can significantly affect your development and use of the property. A typical easement might permit the use of a dirt fire road that cuts through both the neighbor's property and your land. The road provides access to both properties, and your neighbor has to drive through yours to get to his. The house you build has to be situated ten to fifteen feet away from this access road. If the road cuts through the middle of the lot, you might have difficulty finding room for the house you want to build. Consult with your real estate agent, an attorney or a title researcher for accurate information about the easements. When making an offer on undeveloped land with an easement issue, be sure to include a contingency that you must approve of any existing easements, or the offer is null and void. See All Tips In The "Buying Land and New Construction" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What did 75% of 10,000 buyers surveyed by the NAR list as their top reasons for selecting a Real Estate Professional? A  Knowledge of the housing market, knowledge of real estate practices and financing, and familiarity with neighborhoods. See More Real Estate Trivia >

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. 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! www.HibanGroup.com is brought to you by Pat Hiban Real Estate Group NUMBER1EXPERT™ in real estate for Glen Burnie, Pasadena and Howard County, Maryland Read Pat Hiban Real Estate Group's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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