Dave Melka : renters

Edgewood Joppatowne Steelers Cheerleading and Football Program - EJS, EJS, EJS! For all your Home Buying and Selling Needs, Contact Dave Melka. Dad of 10 and under Cheerleader!

Dave Melka — Tue, 03 Mar 2009 18:54:00 GMT

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!!!!!!!

$8,000.00 Home Buyer Tax Credit

Dave Melka — Mon, 02 Mar 2009 01:07:00 GMT

$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

Woodbridge Center, Edgewood Maryland Local Resident Realtor-Living in Woodbridge Center for 20 years! Call for Hometown Discount!

Dave Melka — Tue, 10 Feb 2009 17:39:00 GMT

"All I can strive to be is the absolute best possible version of myself."

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

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!*

STOP PAYING RENT IN MARYLAND! ...BUY A LOW COST HOME WITH YOUR MONTHLY RENT PAYMENT! I CAN HELP!

Dave Melka — Tue, 10 Feb 2009 17:10:00 GMT

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 costs

Even 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 home

Pre-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.

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

Buy a Home With Zero Cash In Maryland!

Dave Melka — Mon, 09 Feb 2009 04:01:00 GMT

"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

no recent history of bad debts
consistent and timely payment of current liabilities

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:

detached or semi-detached homes
free-hold town homes
condominium town homes

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

Don't pay another cent in rent in Baltimore or Harford County Maryland!!! Learn How!!

Dave Melka — Tue, 02 Dec 2008 04:03:00 GMT

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

Dave Melka : renters

Edgewood Joppatowne Steelers Cheerleading and Football Program - EJS, EJS, EJS! For all your Home Buying and Selling Needs, Contact Dave Melka. Dad of 10 and under Cheerleader!

$8,000.00 Home Buyer Tax Credit

Woodbridge Center, Edgewood Maryland Local Resident Realtor-Living in Woodbridge Center for 20 years! Call for Hometown Discount!

"All I can strive to be is the absolute best possible version of myself."

********Call today to get your hometown discount!*******

STOP PAYING RENT IN MARYLAND! ...BUY A LOW COST HOME WITH YOUR MONTHLY RENT PAYMENT! I CAN HELP!

Don’t Pay Another Cent in Rent To Your Landlord . . .

Don’t Feel Trapped Anymore

6 Little Known Facts That Can Help You Buy Your First Home

1. You can buy a home with much less down than you think

2. You may be able to get your lender to help you with your down payment and closing costs

3. You may be able to find a seller to help you buy and finance your home

4. You may be able to create a cash down payment without actually going into debt

5. You can buy a home even if you have problems with your credit rating

6. You can, and should, get pre-approved for a home loan before you go looking for a home

Buy a Home With Zero Cash In Maryland!

Program Qualifications

1. An excellent credit history

2. Limited liabilities

3. At least 3 years of employment stability

4. The financial ability to carry larger monthly payments

Under the Terms of the Program You Can Purchase Many Types of Properties

Benefits of the Zero Cash Down Payment Program

1. No Down payment

2. Buy a Home Now!

3. Approved Bank Program

Don't pay another cent in rent in Baltimore or Harford County Maryland!!! Learn How!!

Stop Paying Your Landlord's Mortgage and Learn How to Own Your Own Home for Pennies Down

**Call today to get your hometown discount!*