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Determine Tax Savings - Calculate how much your monthly Owings Mills, Reisterstown and Westminster, 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 Owings Mills, Reisterstown and Westminster house, ranch, luxury property, condominium, acreage, or other real estate?
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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.
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Remodeling and Renovations >Damp Environments
If you are a typical home buyer, you are likely to eliminate a home with a basement that has water stains or mildew on the walls or floors. Before you completely rule out a home that you really like because of a water issue, you should get an expert's opinion.
A basement can often be dried out easily. A new set of gutters, repairs to a plugged up outdoor drain, or simple regrading of soil around the foundation may solve the problem. A home inspector or water-proofing company can give you an idea about what is causing the dampness, as well as how much you will have to pay to waterproof the area. Sometimes the home owner will consider negotiating the repair costs with the buyers, especially if the alternative is no offer at all. If the house is a "fixer-upper" and priced accordingly, you could get an excellent value that more timid buyers might pass up.
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What is a Balloon Mortgage?
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A balloon is a short-term mortgage which requires the entire balance of the loan to be re-paid at the end of the loan term.
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Corey Campbell and Nicholas Kellar Yerman, Witman, Gaines & Conklin Realty 1425 Clarkview Road, Suite 700 Baltimore, MD 21209 Corey Cell: 410-236-1339 Nicholas Cell: 443-375-2224 Corey's Direct line: 443-798-7856 Nicholas Direct line: 443-798-7858 Fax: 410-583-0222 Email: CKG@YWGCRealty.com
As a team, we deliver a positive, high energy, and hard work ethic to our clients! It's a given that we will provide the highest level of service and loyalty, while using our knowledge of the industry, market, and area to help meet your goals! While putting your needs first, we continually strive towards earning your trust and business in building a longstanding relationship! We value the significance that a real estate transition is in one's life. That being said, we will practice empathy and patience in guiding your best interests from contract to settlement! 


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