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5 Common First Time Home Buyer Mistakes 1. They don’t ask enough questions of their lender and end up missing out on the best deal.
2. They don’t act quickly enough to make a decision and someone else buys the house.
3. They don’t find the right agent who’s willing to help them through the homebuying process.
4. They don’t do enough to make their offer look appealing to a seller.
5. They don’t think about resale before they buy. The average first-time buyer only stays in a home for four years.
Please browse my website for listings, reports and important local real estate information.
Dave Melka
Your Real Estate Professional for life!
Hud and Foreclosure home specialist! Let me help you find a low priced home!
Business #443-677-2074 or Broker #410-234-2244. My other web site's are http://www.davemelkarealtor.com, http://www.baltimorelowpricedhomes.com and
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Harbour Oaks, Edgewood - Announcing a price reduction on 624 HARBOUR OAK DRIVE, a 2,244 sq. ft., 1 bath, 3 bdrm 2 story split "Nice Foyer area!". Now  MLS® $249,900 - Reduced,bring all offers!. Property information
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Hello Edgewood Joppatowne parents I'm Dave Melka with Real Estate Professionals and i'm also the dad of Allison who is on the 10 and under cheer team. I'm a local Realtor who is willing to assist all local and Rec Council members with my home town discount. I will sell your home for 4.5% total commission and i will help anyone buy a home for NO CHARGE! I'm very handy, so i will give back by helping with moving cost, repairs or home warranty up to a $400.00 value! Call, email, text or facebook me at anytime! Here is a bit about me; Hello
I'm Dave Melka from Real Estate Professionals, Maryland sales office and a Edgewood Maryland resident! Please take the time to browse my web site for free valuable reports on any heighborhood you are intersted in and contact me so i can assist you in finding that dream home. I live in beauiful Harford County Maryland, I'm married with 3 beautiful girls that go to school in the Joppatowne, Maryland area and we are very involved with the Edgewood/Joppatowne Recreation Council. We live very close to Edgewood and Aberdeen Proving Grounds, so i can be very helpful with any military base relocations. That's a little about me, so enjoy my web site and contact me with any questions you have relating to your present or future home, i will be ready and willing to assist at any time.
Please browse my website for listings, reports and important local real estate information.
Dave Melka Your Real Estate Professional for life!
Hud and Foreclosure home specialist! Let me help you find a low priced home! Business #443-677-2074 or Broker #410-234-2244. My other web site's are http://www.davemelkarealtor.com, http://www.baltimorelowpricedhomes.com and http://www.finderofdreamhomes.com Go Edgewood Joppatowne Steelers!!!!!!!
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$8,000.00 Home Buyer Tax Credit
The American Recovery and Reinvestment Act of 2009 was signed into law by President Obama on February 17, 2009.
1. It's a refundable tax credit that's lesser of 10% of cost of the home or $8,000. So as long as you buy a home over $80,000, you can qualify for the full $8,000 refundable tax credit.
2. The income restrictions still apply. The full amount of the credit is available for individuals that make no more that $75,000 ($150,000 on a joint return). The credit phases out above those caps ($95,000 for singles and $170, 000 for joint returns). This means if you make in between these amounts ($75,000 - $95,000 for individuals and $150,000 - $170,000 for joint filers), you can still qualify for a partial credit.
3. You do not pay this $8,000 back unless you sell the home within three years from your purchase date.
4. This credit applies to first time homebuyers only. The government's definition of a first time homebuyer is someone who has not owned a principal residence in three years prior to purchase.
5. The time frame is retroactive to January 1st, 2009 and goes through to December 1st, 2009. You must close on a home before December 1st, 2009 to receive the credit.
6. If you close on your home after you file your taxes, you can file an amendment to your 2008 tax return so that you can receive the check AFTER you file that amendment. Contact your tax professional to assist you with filing your amendment or for specific questions in regards to any of the above information. Further information can be obtained by contacting the IRS or the tax professional of your choice directly.
*For further information consult your tax professional or contact the IRS directly.
Please browse my website for listings, reports and important local real estate information.
Dave Melka
Your Real Estate Professional for life!
Hud and Foreclosure home specialist! Let me help you find a low priced home!
Business #443-677-2074 or Broker #410-234-2244. My other web site's are http://www.davemelkarealtor.com, http://www.baltimorelowpricedhomes.com http://www.finderofdreamhomes.com
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"All I can strive to be is the absolute best possible version of myself." |
Hello
I'm Dave Melka from Real Estate Professionals, Maryland sales office and a Edgewood Maryland resident! Please take the time to browse my web site for free valuable reports on any heighborhood you are intersted in and contact me so i can assist you in finding that dream home. I live in beauiful Harford County Maryland, I'm married with 3 beautiful girls that go to school in the Joppatowne, Maryland area and we are very involved with the Edgewood/Joppatowne Recreation Council. We live very close to Edgewood and Aberdeen Proving Grounds, so i can be very helpful with any military base relocations. That's a little about me, so enjoy my web site and contact me with any questions you have relating to your present or future home, i will be ready and willing to assist at any time.
Thank You very much and have a great day!
Dave Melka
Your Real Estate Professional for Life! Business # 443-677-2074 Broker # 410-234-2244 
There are aspects of real estate sales that seem pretty simple. There are many elements of a smooth transaction, however, that are complicated and daunting.
I can help you with every aspect of buying or selling your home because I’m experienced, because I’m professional . . .and because I care. Dave Melka
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| In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale in any Maryland area with my New Listings Notification. If you own real estate that you're thinking of selling, I would be happy to provide you with a FREE Home Evaluation. My services are FREE of charge for buyers, so call or email me at anytime and the lowest commission charge for selling your home in Maryland! Whether you are buying or selling a home, hire someone like me, who wants to earn your business. I invite you to contact me as I'd be happy to assist you with this important transaction. In addition, if you have any general questions about buying or selling real estate in Maryland, please contact me as I'm more than willing to help. BUY OR SELL A HOME WITH ME AND I WILL PURCHASE A HOME WARRANTY FOR YOUR NEW HOME OR HELP YOU WITH YOUR MOVING COST'S UP TO A $300.00 VALUE! ASK ME HOW BALTIMORE COUNTY FIRST TIME HOME BUYERS CAN GET $35,000 AND HARFORD COUNTY $10,000 TOWARDS THEIR HOME PURCHASE AND NOT HAVE TO PAY IT BACK! Please browse my website for listings, reports and important local real estate information.
Dave Melka Your Real Estate Professional for life!
Hud and Foreclosure home specialist! Let me help you find a low priced home! Business #443-677-2074 or Broker #410-234-2244. My other web site's are http://www.davemelkarealtor.com, http://www.baltimorelowpricedhomes.com and |
********Call today to get your hometown discount!******* |
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Don’t Pay Another Cent in Rent To Your Landlord . . .
"If you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours."
It’s a dream we all have - to own our own home and stop paying rent. But if you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours. How could it when you’re not even permitted to bang in a nail or two without a hassle. You feel like you’re stuck in the renter’s rut with no way of rising up out of it and owning your own home. Don’t Feel Trapped Anymore It doesn’t matter how long you’ve been renting, or how insurmountable your financial situation may seem. The truth is, there are some little known facts that can help you get over the hump, and transfer your status from renter to homeowner. With this information, you will begin to see how you really can: - save for a down payment
- stop lining your landlord’s pockets, and
- stop wasting thousands of dollars on rent.
6 Little Known Facts That Can Help You Buy Your First Home The problem that most renters face isn’t your ability to meet a monthly payment. Goodness knows that you must meet this monthly obligation every 30 days already. The problem is accumulating enough capital to make a down payment on something more permanent. But saving for this lump sum doesn’t have to be as difficult as you might think. Consider the following 6 important points: 1. You can buy a home with much less down than you think There are some local or federal government programs (such as 1st time buyer programs) to help people get into the housing market. You can qualify as a first time buyer even if your spouse has owned a home before as long as your name was not registered. Ensure your real estate agent is informed and knowledgeable in this important area and can offer programs to help you with your options. 2. You may be able to get your lender to help you with your down payment and closing costsEven if you do not have enough cash for a down payment, if you are debt free, and own an asset free and clear (such as a car for example), your lending institution may be able to lend you the down payment for your home by securing it against this asset. 3. You may be able to find a seller to help you buy and finance your home Some sellers may be willing to hold a second mortgage for you as a seller take-back. In this case, the seller becomes your lending institution. Instead of paying this seller a lump sum full amount for his or her home, you would pay monthly mortgage installments. 4. You may be able to create a cash down payment without actually going into debt By borrowing money for certain investments to a specified level, you may be able to generate a significant tax refund for yourself that you can use as a down payment. While the money borrowed for these investments is technically a loan, the monthly amount paid can be small, and the money invested in both home and investment will be yours in the end. 5. You can buy a home even if you have problems with your credit rating If you can come up with more than the minimum down payment, or can secure the loan with other equity, many lending institutions will consider you for a mortgage. Alternatively, a seller take-back mortgage could also help you in this situation. 6. You can, and should, get pre-approved for a home loan before you go looking for a homePre-approval is easy, and can give you complete peace-of-mind when shopping for your home. Mortgage experts can obtain written pre-approval for you at no cost and no obligation, and it can all be done quite easily over-the-phone. More than just a verbal approval from your lending institution, a written pre-approval is as good as money in the bank. It entails a completed credit application, and a certificate which guarantees you a mortgage to the specified level when you find the home you’re looking for. Consider dealing only with a professional who specializes in mortgages. Enlisting their services can make the difference between obtaining a mortgage, and being stuck in the renter’s rut forever. Typically there is no cost or obligation to enquire. There are many important issues you should be aware of that affect you as a renter. Why on earth would you continue to lose thousands by throwing it away on rent when with your agent you could take a few minutes to discuss your specific needs so that you can stop renting and start owning. This conversation costs you nothing. And, of course, you shouldn’t have to feel obligated to buy a home at the time you review this. But by taking the time to explore your options, and learn about the ways you can afford to buy a home, think how prepared and relaxed you’ll be when you are ready to make this important step. In addition, if you have any general questions about buying or selling real estate in Maryland, please contact me as I'm more than willing to help. BUY OR SELL A HOME WITH ME AND I WILL PURCHASE A HOME WARRANTY FOR YOUR NEW HOME OR HELP YOU WITH YOUR MOVING COST'S UP TO A $300.00 VALUE! ASK ME HOW BALTIMORE COUNTY FIRST TIME HOME BUYERS CAN GET $35,000 AND HARFORD COUNTY $10,000 TOWARDS THEIR HOME PURCHASE AND NOT HAVE TO PAY IT BACK! Please browse my website for listings, reports and important local real estate information.
Dave Melka Your Real Estate Professional for life!
Hud and Foreclosure home specialist! Let me help you find a low priced home! Business #443-677-2074 or Broker #410-234-2244. My other web site's are http://www.davemelkarealtor.com, http://www.baltimorelowpricedhomes.com and
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"Now you can realize the dream of owning your own
home with zero down payment."
The Zero Cash Down Payment Program offers you a way to buy a
home with no down payment. That's right zero down payment. You may have
owned a home before and are presently renting, or are a first time homebuyer and
need a way to break into the housing market but held back because you thought
you required a substantial down payment. Or you may be in the position where you
do not want to liquidate your financial assets to use as a down payment on a
home. Regardless of your present situation, you want a way to get into or to
reenter the housing market without having to make a cash down payment. The Zero
Cash Down Payment Program may be just the answer you need. Here's what is
required to qualify for the Zero Cash Down Payment Program.
Program Qualifications
1. An excellent credit history
2. Limited liabilities
You will be required to disclose all current liabilities you
have in order to determine how much more debt you can carry. (ie. present car
loan, credit cards, etc.)
3. At least 3 years of employment stability
You will be required to show proof of employment for the past 3
years, ie. a letter of employment from your employer or financial statements for
the past 3 years if self-employed.
4. The financial ability to carry larger monthly payments
Without a down payment you will be required to meet the
obligation of larger mortgage payments. Your monthly payments could vary from a
few to several hundred dollars more per month.
Under the Terms of the Program You Can Purchase Many Types of
Properties
They include:
It is important to note that not all properties qualify for the
Zero Cash Down Payment Program. To ensure that you get an accurate picture of
what properties may or may not be included in this program in your particular
area, it is advisable to review the terms of the program with your Realtor®.
Benefits of the Zero Cash Down Payment Program
1. No Down payment
If you are renting, why pay your landlord's mortgage? Why not
reap the benefit of building your own equity? Are you renting because you are
held back from owning your own home because you think you need a substantial
down payment? The general perception of many would-be-homebuyers and even that
of some Realtors® is that a substantial down payment is required in order to
purchase a home. This is simply not true. Because of this perception many
would-be-homebuyers feel they have to save for years before they have enough
money for a down payment so that they can finally enter the housing market. In
the meantime they are lining someone else's pockets, while waiting a long time
before they can start building their own equity. Well, with the Zero Cash Down
Payment Program you don't need a down payment to buy a home.
2. Buy a Home Now!
If needing a down payment is keeping you from owning your own
home, this new program offers you an immediate way to get into the housing
market. With the Zero Cash Down Payment Program you don't have to wait to
purchase a home.
3. Approved Bank Program
It is important to know that the Zero Cash Down Payment Program
is an approved bank program. Review this program with your lender or Realtor®
who has specialized knowledge in financing and can assist you with the Zero Cash Down Payment Program. Call me to assist you through this process and show you all the great deals on homes in Maryland! Dave Melka, Real Estate Professional, Inc. Your Real Estate Professional for life! Blue Collar Service but delivering Blue Ribbon Results! Business #443-677-2074, Call, text or email me anytime! www.baltimorelowpricedhomes.com www.finderofdreamhomes.com
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Stop Paying Your Landlord's Mortgage and Learn How to Own Your Own Home for Pennies Down | Baltimore or Harford County, Maryland; If you're like most renters you feel trapped within the walls of a house or apartment that doesn't feel like yours. How could it when you're not even permitted to bang in a nail or two without a hassle. You feel like you're stuck in the renter's rut with no way of rising up out of it and owning your own home.
Well don't feel trapped any more! A new FREE Special Report entitled "How To Stop Paying Rent and Own Your Own Home" has already helped dozens of local renters get out from | under their landlords finger, and move into a wonderful home they can truly call their own. You can make this move too by discovering the important steps detailed in this Free Special Report.
It doesn't matter how long you've been renting, or how insurmountable your financial situation may seem. With the help of this report, it will become suddenly clear to you how you really can save for the down payment and stop wasting thousands of dollars on rent.
| To get your FREE copy today visit http://www.baltimorelowpricedhomes.com or call 443-677-2074 |
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Welcome to Long And Foster, Aberdeen Maryland Sales, your source for Maryland real estate . My name is Dave Melka, i have lived in the Harford County, Maryland area for the last 20 years. I service the entire Baltimore, Cecil and Harford County area's. I'm ready and willing to help you find your dream home today! If you are looking for an honest , reliable and hard working Realestate Agent, you have finally found him. Please contact me today so we can get started on selling your present home or finding that home of your dreams! In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale in any Maryland area with my New Listings Notification. My services are FREE of charge for buyers, so call or email me at anytime! Whether you are buying or selling a home, hire someone like me, who wants to earn your business. I invite you to contact me as I'd be happy to assist you with this important transaction. In addition, if you have any general questions about buying or selling real estate in Maryland, please contact me as I'm more than willing to help. Please browse my website for listings, reports and important local real estate information.
Dave Melka Your Realtor for life!
Long And Foster, Aberdeen Maryland Sales Hud and Foreclosure home specialist! Let me help you find a low priced home! cell # 443-677-2074 office # 410-575-6411 voice mail # 410-575-6411 My other web site's are http://www.davemelkarealtor.com,http://www.baltimorelowpricedhomes.com and http://davidmelka.lnfre.com The Residences at Bulle Rock; A look at the six extraordinary homebuilders of Bulle Rock tells you that these homes are far from ordinary. From condominiums to single family homes to villa homes, these unique residences have been built with a dedication to luxury and quality. Inside this gated community, the standard of excellence continues throughout the shared amenities. The 37,000 square foot Residents' Club is full of resort-style attractions and services. A planned resident-only marina and yacht club opens the Chesapeake Bay to exploration. And walking trails, swimming pools, tennis courts and, of course, world-renowned golf fill your days with activity. At The Residences at Bulle Rock, Life Imitates Vacation. Website-http://www.bullerock.com/ Contact me for a tour of all the homes listed for sale today. Have a great day! Dave Melka Long & Foster #443-677-2074 |
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Twin River Beach, Middle River - Announcing a price reduction on 6924 GUNDER AVE, a 11,373 sq. ft., 1 bath, 2 bdrm single story. Now MLS® $255,000 - Lowest Priced Waterfront. Property information
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Baltimore Maryland First Time Home BUYER ELIGIBILITY - More info at my Baltimore Free Home Info Website 1. Before signing a real estate contract, completes Homebuyer Education Curriculum: Workshop(s) & Counseling with a Baltimore County affiliated Housing Counseling Agency *. 2. Meets Income Eligibility: 80% of area median, adjusted for household size. - First time home buyer (cannot have previously owned a dwelling within the last 3 years). Exceptions can be granted for separation, divorce or death of spouse or prior ownership of documented substandard housing.
- Qualifies for a fixed rate mortgage with a Participating Lender. (See the Referral List )
- Post purchase liquid assets cannot exceed 25% of gross annual household income.
- Gift Contributions may not exceed 3% of the sales price.
- Buyer’s proposed post purchase housing and total debt ratios cannot exceed 31% and 43%, respectively, of the gross monthly household income.
- Has cash equal to 5% of gross household income to contribute to purchase (see below).
PROPERTY CRITERIA 1. Existing dwelling that is owner occupied, occupied by buyer, or vacant. New construction is excluded. 2. Dwelling types: Single family detached, semi- detached, townhouse, and condominium unit. - Located within the mapped Community Conservation Area. Please see MALP Program Boundaries.
4. Has had a satisfactory home inspection and has been certified as meeting the federal Housing Quality Standards (HQS) using an inspection firm from the County’s pre-qualified list. The HQS certification provides assurance to the County that the dwelling is free from hazardous defects and meets basic standards for safety and livability. All noted deficiencies must be corrected and verified prior to SELP Loan approval. The home inspection and HQS certification fee can be included as part of the buyer’s minimum cash contribution. - The cost of repairs required to correct HQS identified deficiencies might be Included in the borrowers maximum loan amount up to $2,500 when such repairs are done by a licensed contractor.
MALP LOAN TERMS 1. MALP Loan Amount: Minimum $15,000, Maximum $35,000(of which up to $25,000.00 can be used for principal curtailment). 2. Buyer’s minimum cash contribution: 5% of gross annual household income. 3. MALP Loan- Loan is deferred for fifteen (15) years (“Affordability Period “). Thereafter, the loan is forgiven after 15 years, unless sale, transfer of title or default occurs before the end of the (Affordability Period) 15 years. 4. Primary Loan- Loan principal is repayable upon the earlier to occur of sale, transfer, refinance, default on primary loan, or discontinuance of borrower occupancy in the home.
For more info on the MALP program, please contact me at #443-677-2074. Please browse my website for listings, reports and important local real estate information.
Dave Melka MY SERVICES TO BUYERS ARE ABSOLUTELY FREE!!!!! CALL ME ANYTIME. Your Realtor for life!
Long And Foster, Aberdeen Maryland Sales Hud and Foreclosure home specialist! cell # 443-677-2074 office # 410-575-6411 voice mail # 410-575-6411 My other web site's with Baltimore Maryland Free Home Info are http://www.davemelkarealtor.com, http://baltimorelowpricedhomes.com, http://davidmelka.lnfre.com OR WWW.FINDEROFDREAMHOMES.COM
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Welcome to Long And Foster, Aberdeen Maryland Sales, your source for Maryland real estate . My name is Dave Melka, i've lived in the Harford County Maryland area for the last 20 years. I service the entire Anne Arundel, Baltimore, Cecil, Howard and Harford County area's. I'm ready and willing to help you find your dream home today! If you are looking for an honest , reliable and hard working Realestate Agent, you have finally found him. Please contact me today so we can get started on selling your present home or finding that home of your dreams! In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale in any Maryland area with my New Listings Notification. If you own real estate that you're thinking of selling, I would be happy to provide you with a FREE Home Evaluation. Whether you are buying or selling a home, hire someone like me, who wants to earn your business. I invite you to contact me as I'd be happy to assist you with this important transaction. In addition, if you have any general questions about buying or selling real estate in Maryland, please contact me as I'm more than willing to help. BUY OR SELL A HOME WITH ME AND I WILL PURCHASE A HOME WARRANTY FOR YOUR NEW HOME OR HELP YOU WITH YOUR MOVING COST'S UP TO A $300.00 VALUE! ASK ME HOW BALTIMORE COUNTY FIRST TIME HOME BUYERS CAN GET $35,000 AND HARFORD COUNTY $10,000 TOWARDS THEIR HOME PURCHASE AND NOT HAVE TO PAY IT BACK! Please browse my website for listings, reports and important local real estate information.
Dave Melka Your Realtor for life!
Long And Foster, Aberdeen Maryland Sales Hud and Foreclosure home specialist! Let me help you find a low priced home! cell # 443-677-2074 office # 410-575-6411 voice mail # 410-575-6411 My other web site's are http://www.davemelkarealtor.com,http://www.finderofdreamhomes.com, http://davidmelka.lnfre.com
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Kings Court, Rosedale - Announcing a price reduction on 8 Baltistan Court, a 1,673 sq. ft., 3 bath, 3 bdrm townhouse "Colonial". Now MLS® $199,900 - No updates needed here!. Property information
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Welcome to Long And Foster, Aberdeen Maryland Sales, your source for Maryland real estate . My name is Dave Melka, i have lived in the Edgewood, Maryland area for the last 20 years. I service the entire Baltimore, Cecil and Harford County area's. I'm ready and willing to help you find your dream home today! If you are looking for an honest , reliable and hard working Realestate Agent, you have finally found him. Please contact me today so we can get started on selling your present home or finding that home of your dreams! In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale in any Maryland area with my New Listings Notification. My services are FREE of charge for buyers, so call or email me at anytime! If you are out of town, feel free to contact me so i can send you by email, all the home's for sale from the Maryland MLS for your area of choice. I can then go by the home that are your favorites and take pictures of the homes and neighborhoods, and then email them to you so you can get a better idea of home and area before you come into town! |
Whether you are buying or selling a home, hire someone like me, who wants to earn your business. I invite you to contact me as I'd be happy to assist you with this important transaction. In addition, if you have any general questions about buying or selling real estate in Maryland, please contact me as I'm more than willing to help. BUY OR SELL A HOME WITH ME AND I WILL PURCHASE A HOME WARRANTY FOR YOUR NEW HOME OR HELP YOU WITH YOUR MOVING COST'S UP TO A $300.00 VALUE! ASK ME HOW BALTIMORE COUNTY FIRST TIME HOME BUYERS CAN GET $35,000 AND HARFORD COUNTY $10,000 TOWARDS THEIR HOME PURCHASE AND NOT HAVE TO PAY IT BACK! Please browse my website for listings, reports and important local real estate information.
Dave Melka Your Realtor for life!
Long And Foster, Aberdeen Maryland Sales HOMETOWN REALTOR READY TO BE YOUR BRAC SPECIALIST. I live about 1 mile from Edgewood and Aberdeen Proving Grounds. Hud and Foreclosure home specialist! Let me help you find a low priced home! cell # 443-677-2074 office # 410-575-6411 voice mail # 410-575-5005 My other web site's are http://www.davemelkarealtor.com and http://davidmelka.lnfre.com BRAC INFO...http://www.apg.army.mil/apghome/sites/local/ |
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