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Maryland Real Estate Information: WHAT IS A CLOUD IN A TITLE?

Author: Fernando Herboso / Category: German Town Maryland Homes, Germantown Maryland Homes, Milestone, Restaurants
Maryland Real Estate Information: WHAT IS A CLOUD IN A TITLE?  

For more information or to browse Maryland homes for sale and real estate…
There’s more to
buying a home than just browsing real-estate listings and picking out the best
Let us help you
find your next house.
Start by going to www.ReallyNiceHomes.com

Or call Fernando Herboso 301-246-0001 for faster
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What Credit Score is Needed to Buy a Home in Germantown Maryland ?

Author: Fernando Herboso / Category: Germantown Maryland Homes, Milestone, Restaurants

What Credit Score is Needed to Buy a Home in Maryland ?

First of all,  you might be wondering which credit score mortgage lenders use?

  • Equifax?
  • Transunion?
  • Experian?

I get this question a lot and I’m not sure why?

There’s no sense focusing on something that only lenders have control of it, the fact remain that you need to be credit worthy  to be a borrower.

All lender determine your creditworthiness by pulling your credit score.

But if you must know, the answer is your FICO score and that is an standard being used with most lenders in general. 

Your FICO score is a combination of the 3 listed above…which are the three main credit bureaus. 

If you are looking for the perfect “LOWEST CREDIT SCORE” you must have and get the best pricing from a lender…you will need at least 760 points.

If you have any mistakes or missteps inside your credit report, you must deal with them before buying a home if you want the best rates possible…and  in some cases, this could take several months.

Maybe you will find that  your credit score is not sufficient for you to get a loan. Your income and the ratios play an important role in determining how much credit you can get.

This is a very personal conclusion based on your own  credit score, your income ratios, your debt amounts…and a few other important relevant facts. I caution for you NOT TO DISQUALIFY yourself…but have a professional evaluate your whole application for the best advice possible.

In summary, the only thing you have control over your credit score is to keep up diligently with your bills, don’t wait until the last minute to pay them, don’t  over burden yourself with so much credit and be responsible and strive fro perfection when it comes to paying your bills…

If you have low credit scores, do not get discouraged, there are ways to raise your credit up with the right help…call us if you need assistance on this 301-246-0001.


What it takes to get a loan plus information about grants when you are a first time home buyer?  

What Credit Score is Needed to Buy a Home in Maryland ?

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Home Buying Tips for First Time Buyers in Germantown Maryland | FREE GRANTS!

Author: Fernando Herboso / Category: German Town Maryland Homes, Germantown Maryland Homes, Milestone, Restaurants
Are you a first-time home buyer eager and ready  to get into the market? 
Here are some steps to take to help you decide whether you’re ready or not 
1. Check first what you can afford
2. Use a mortgage calculator to get an idea of what your monthly mortgage payments would be if you bought your first home today
3. Find out what your total monthly housing cost would be, you will need to include taxes and homeowners insurance..
4. Find out how much you’ll likely pay in closing costs. The upfront cost when buying a  home shouldn’t be overlooked 
5. Look at your budget and determine what is your Debt to Income Ratios
6. Talk to reputable Realtors in your area about your real estate needs
7. A good Realtor®  will help you  look at the big picture. While a buying a house is a huge step in your life and is a great way to build wealth.



first time home buyers




What if you don’t have the money for the down payment?

If your funds are low and saving for a down payment has become very difficult, you are in luck if you want to live in Maryland today

Our state government of Maryland along the county & city governments, have the funding available to help
and assist you as a first time home buyer . . . 
and purchase your first home today.
The reason why they want to help you is that they want to stimulate the economy and they have allocated lots of money to help first time home buyers in the form of cash, down payment assistance, gifts and/or credits . . all of which could decimate the money you will need to buy a home today!

What if you are having issues with your credit?

That is another obstacle that can easily be fixed if you are working with the right people that wants to make it happen..


first time home buyers


rent vs buy First Time Home Buyer Education

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Amazing Prices | Save $$$$ Buying a New Home In Clarksburg MD Now

Author: Fernando Herboso / Category: German Town Maryland Homes, Germantown Maryland Homes, Milestone, Restaurants

new homes in clarksburg md

Information is power when it comes to buying a new home.

We have been preparing for you and if you are ready 

Step right in

We will provide you with unbiased opinion about all the new home construction in Clarksburg Maryland 20871

The quality of your builder is not based on their construction workers

Most of them are shared or they work for different builders at the same time

The quality of your builders depends in the quality of materials and the amount of specialized supervision.

As we go towards the last quarter of the year, builders are susceptible to accept lower offers than their Spring and Summer season…

Watch 3 ways how to save money on your next brand new home purchase


Before connecting directly with a single builder out of many…a  simple consultation that brings neutral information with an unbiased party will clear your options. Once you 
have narrowed your choices down to one single community, one builder and one home, you are clear on your goals and ready to work out the details. Let us be that unbiased opinion for you. We can help you choose the right community, the right builder, the right lot, the right model and help you  sign a contract for your dream home.

 Sign Up Form For Clarksburg MD



New Home Construction for Clarksburg Maryland 


Home value


Clarksburg MD Sample of the Latest Listings


22966 NEWCUT ROAD Unit #2361, Clarksburg MD 20871


22966 NEWCUT ROAD Unit #2361, Clarksburg

Beautiful 2Lvl Condo , w/ att.1car garage and driveway. 2BR and 2.5BA. HW floors in Liv/Din Combo. Breakfast Bar, SS Appl., Granite counter tops, Gorgeous Dark Wood Cab.,…

  • Beds 2
  • Baths 3.0
  • MLS MC8450703
  • Bldg. Arora Hills Codm


23518 SUGAR VIEW DRIVE, Clarksburg MD 20871


23518 SUGAR VIEW DRIVE, Clarksburg

Spectacular all the way around. Million dollar view from the back,see pictures, Gleaming hardwood floors, everything has been upgraded and so clean you can eat off the f…

  • Beds 5
  • Baths 4.0
  • MLS MC8450163


12832 CLARKSBURG SQUARE ROAD Unit #302, Clarksburg MD 20871


12832 CLARKSBURG SQUARE ROAD Unit #302, Clarksburg

2 level huge luxurious condo w 2 car attached gar + 180 sq ft storage rm. Spectacular view. Big kitchen w corian & upgraded cabinets. FR, DR, LR, & Den. Huge double walk-…

  • Beds 3
  • Baths 3.0
  • MLS MC8450007
  • Bldg. Clarksburg I Cod


23034 SWEETSPIRE DRIVE, Clarksburg MD 20871


23034 SWEETSPIRE DRIVE, Clarksburg

Beautiful town house! Virtually new!!Open floor plan,gleaming hardwood through out LL & in Gourmet kitchen w/ granite counter tops, stainless steel app, recess lighting,c…

  • Beds 4
  • Baths 4.0
  • MLS MC8448598
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How To Hire The Top Real Estate Agent in Maryland

Author: Fernando Herboso / Category: Germantown Maryland Homes, Milestone

How To Hire The Top Real Estate Agent in Germantown Maryland

Deciding to sell your Germantown Maryland home?
A big decision now is to determine how to pick right agent to represent you
Hiring a RealtorĀ® should not be that complicated if you follow certain points

A top real estate agent with the most sales in the area may not be the right person for you.

There were a lot of foreclosures and short sales in the last few years and some agents exclusively represented REO lenders. A complete different way to sell homes than current traditional listing services.

In some cases, you may find what you perceive to be a top agent in Maryland …would not have the time to speak to you personally and accommodate your needs because he is not available any any time,

I see others making the mistake in hiring an agent just because they belong to a national famous brand.
Just be aware…you are hiring one agent ..not a WHOLE COMPANY!
Don’t fall into the virtues of “well known” companies with smoke and mirrors from a brand perspective
Each agent works independently from each other  ..and there are thousands of EXPIRED LISTINGS with FRUSTRATED SELLERS in the MLS from the same companies…thousands!

Just know this…Is not the company that sells houses …is the agent! 

What about family members or your co-worker that is also a part time agent?

When you are considering about placing a huge investment into the hands of someone to represent you. Your real estate agent better know what he/she is doing, in order to provide you the best service possible to get you top dollar for your home

Your equity is your money 
a lot of money that you deserve to get when you sell your house.
Don’t place all that money into the hands of an inexperience “friend” agent just because you feel obligated and pressures to hire them.

Another huge mistake some seller make is to have a criteria of selecting the agent who will tell them what they want to hear…as far as pricing is concerned. Hiring a listing agent just because they say they can sell your home for an unrealistic price could be a disaster for your home.
Your home will become stale and you will never get TOP DOLLAR when you have a history of being on the market for over 100+ days..

Buyers are educated these days, and so are their agents. You will not fool anyone with an overpriced home.

See more tips,
How To Hire The Top Real Estate Agent in Germantown?
see our video below…

How To Hire The Top Real Estate Agent in Germantown Maryland


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New Store Outlet in Clarksburg Maryland | Project Approved

Author: Fernando Herboso / Category: German Town Maryland Homes, Germantown Maryland Homes, Restaurants

New Store Outlet in Clarksburg Maryland | Project Approved 

There is a lot of confusion among Clarksburg Maryland residents. . 
About the New Store Outlets projects

There were two applications in: One form Tanger Outlets and the other one from Simon Property Group.

Tanger Outlets lost

Simon Property Group won!

“Tanger announced it was abandoning its proposed project in Montgomery County as well as one in Scottsdale, AZ” according to the Washington Business Journal

Apparently Tanger Factory Outlets Centers Inc. has decided to can the project bringing their business into Clarksburg Maryland. 

After  a long hard fight with city and county leaders, after spending 1.6 million dollars for pre-development costs., they threw the towel in and wished they never heard of Clarksburg Maryland and Ten Mile Creek (a huge reason for their expense) 

This maybe bad news for Tanger Factory Outlets but good news for Clarksburg Residents.

It is good news because the company that won named Simon Property Group they specialize in high premium outlet centers in teh US and the quality of its stores are above Tangers.

The new Clarksburg Premium Outlets Center from Simon Property Group will be located just  outside exit #18 Clarksburg – Boyds exit on I-270 

Simon Propert Group says…”we will be open for business on Spring 2016!”

Let’s break in the champagne for a new neighborhood as well. 

Cabin Branch Homes in Boyds / Clarksburg will be located right next to the Outlet Center.

Winchester homes  has already committed to build 1500 homes They are not kidding around, the construction madness has begun, read more about the Cabin Branch Homes in Boyds-Clarksburg here 

As you can see, some houses have already been constructed and the selling boom has begun

Winchester Homes is the first builder and developer for 1500 planned homes and the construction madness has just began!
Cabin Branch will be a unique neighborhood surrounded by Parks and plenty of open space that will  get you off the couch to get outside..and enjoy all what this one-of -a- kind community has to offer!

See The Outlets Right Now in the Video Below

Now See The Outlets below in 24 months…..

Considering moving to a Cabin Branch Home?
More info here

Author: Fernando Herboso is a real estate broker with Maxus Realty Group in Clarskburg Maryland writing via his blog inwww.ReallyNiceHomes.com. He can be reached at 301-246-0001

New Store Outlet in Clarksburg Maryland | Project Approved

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