Howard Martin Realty

It's the perfect time to buy a home. These tips will help you get started on the right track.

First, contact a banker or loan officer.  I recommend Rod Flowers at Prime Lending. His phone number is 410-726-7654.

Bring the loan officer your last two years' tax returns (three if you are self-employed). Also bring your last two paystubs and all of your bank account, credit card, and loan numbers (including student loans and car loans).  Whatever you do, avoid purchasing a car or boat during this process as that will almost certainly inflate your loan-to-debt ratio, an important indicator of credit.

Using the information you provide, the loan officer can order a credit report and help you to determine the price range of homes for which you qualify.

Once you know your price range, the fun begins. I will work with you to find and view homes that work within your price range and needs. We can work together to identify these homes, or if you already know of some you'd like to see I will be happy to get you in the door for a look.

Once we find the home for you I will help you negotiate and write an offer for submission to the seller or seller's agent. When that offer is accepted I can help you get to the settlement table where you will get the keys to your very own home!!!