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	<title>The Bay Homes Annapolis, MD Real Estate Blog</title>
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	<lastBuildDate>Sat, 28 Jan 2012 18:18:37 +0000</lastBuildDate>
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		<title>The Bay Homes Annapolis, MD Real Estate Blog</title>
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		<title>Shopping for and Selling Homes Online</title>
		<link>http://thebayhomes.wordpress.com/2012/01/28/shopping-for-and-selling-homes-online/</link>
		<comments>http://thebayhomes.wordpress.com/2012/01/28/shopping-for-and-selling-homes-online/#comments</comments>
		<pubDate>Sat, 28 Jan 2012 18:18:21 +0000</pubDate>
		<dc:creator>thebayhomes</dc:creator>
				<category><![CDATA[Annapolis]]></category>
		<category><![CDATA[Annapolis, MD real estate]]></category>
		<category><![CDATA[Anne Arundel County real estate]]></category>
		<category><![CDATA[Chesapeake Bay area real estate]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Homes for Sale]]></category>
		<category><![CDATA[Maryland real estate]]></category>
		<category><![CDATA[Maryland&#039;s Eastern Shore real estate]]></category>
		<category><![CDATA[Queen Anne&#039;s County real estate]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[selling]]></category>
		<category><![CDATA[Talbot County]]></category>
		<category><![CDATA[Annapolis MD real estate]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[photos]]></category>
		<category><![CDATA[Queen Annes County real estate]]></category>
		<category><![CDATA[sellers]]></category>
		<category><![CDATA[Talbot county real estate]]></category>
		<category><![CDATA[video]]></category>

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		<description><![CDATA[In today’s real estate market more people use the internet to shop for homes and in turn sellers have embraced the medium as the primary vehicle for advertising their homes. Buyers like to see lots of photos, which as we all know tell a thousand words. Better still, high definition video can bring the buyer [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=thebayhomes.wordpress.com&amp;blog=1791209&amp;post=510&amp;subd=thebayhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>In today’s real estate market more people use the internet to shop for homes and in turn sellers have embraced the medium as the primary vehicle for advertising their homes. Buyers like to see lots of photos, which as we all know tell a thousand words. Better still, high definition video can bring the buyer right into the home. </p>
<div style="display:inline;float:left;margin:0;padding:0;" id="scid:8747F07C-CDE8-481f-B0DF-C6CFD074BF67:91d3a3e7-056c-4da7-b950-b0c553c046ac" class="wlWriterEditableSmartContent"><a href="http://thebayhomes.files.wordpress.com/2012/01/nicehousephoto8x6.jpg" title="" rel="thumbnail"><img border="0" src="http://thebayhomes.files.wordpress.com/2012/01/nicehousephoto.png?w=250&#038;h=250" width="250" height="250" /></a></div>
<p>For buyers, the more photos they can see and video they can watch, all the better. This creates a challenge for sellers to provide excellent photos and video which depict the true nature of the home. Poor photos and video are to be avoided. Care should be taken to provide proper lighting and images free from blurring. </p>
<p>The images the seller provides to market their home should give the potential buyer a true and accurate depiction of the property while matching the written description in order to attract the buyer to visit the home. Once there to see it in person, there shouldn’t be any unpleasant surprises, like a room that was made to look larger than it is.</p>
<p>Use the best equipment possible. It is better to use a digital single lens reflex (DSLR) camera than a point and shoot camera. A wide angle lens produces a better shot and soft lighting is better than harsh lighting. To get a distortion free photo, use a tripod or monopod to steady the shot. </p>
<p>Video is fantastic, but it isn’t always possible to produce good video, especially when size is a factor. Some smaller homes can’t always be videoed effectively. Again a wide angle lens is a must, but don’t use video which only shows partial views. Seeing half of the room doesn’t help anyone! Using photos with video editing software can produce a “video like” production which may be a better option if your video camcorder cannot adequately capture the rooms.&#160;&#160; </p>
<p>Combining the internet, photos, video, QR codes and mobile websites may make printed brochures a thing of the past. Today, if a listed property has a web brochure available online, a buyer can use their smartphone to scan a QR code or enter the property address in a web browser search and see the online property brochure along with all of the photos and or video right from the comfort of their car or home. </p>
<p align="center"><em>Charles Kraus, GRI Associate Broker – Coldwell Banker Residential Brokerage, Annapolis, MD </em></p>
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		<title>Obama Expands Foreclosure Prevention Program</title>
		<link>http://thebayhomes.wordpress.com/2012/01/28/obama-expands-foreclosure-prevention-program/</link>
		<comments>http://thebayhomes.wordpress.com/2012/01/28/obama-expands-foreclosure-prevention-program/#comments</comments>
		<pubDate>Sat, 28 Jan 2012 18:14:38 +0000</pubDate>
		<dc:creator>thebayhomes</dc:creator>
				<category><![CDATA[Annapolis, MD real estate]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[Annapolis MD real estate]]></category>
		<category><![CDATA[Realtor]]></category>

		<guid isPermaLink="false">https://thebayhomes.wordpress.com/?p=506</guid>
		<description><![CDATA[Obama expands foreclosure prevention program &#8211; January 28, 2012 &#8211; CNNMoney.com: The Obama administration is taking another swing at improving its main foreclosure prevention program.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=thebayhomes.wordpress.com&amp;blog=1791209&amp;post=506&amp;subd=thebayhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://rss.cnn.com/~r/rss/money_realestate/~3/fAvdcW1W9QE/index.htm">Obama expands foreclosure prevention program</a> &#8211; January 28, 2012 &#8211; CNNMoney.com: The Obama administration is taking another swing at improving its main foreclosure prevention program.</p>
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		<title>Understanding Septic System Inspections</title>
		<link>http://thebayhomes.wordpress.com/2011/11/11/understanding-septic-system-inspections/</link>
		<comments>http://thebayhomes.wordpress.com/2011/11/11/understanding-septic-system-inspections/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 04:01:00 +0000</pubDate>
		<dc:creator>thebayhomes</dc:creator>
				<category><![CDATA[no category]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[inspections]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[septic system]]></category>

		<guid isPermaLink="false">https://thebayhomes.wordpress.com/2011/11/12/understanding-septic-system-inspections/</guid>
		<description><![CDATA[Daniel Brumsted of Environmental Testing Lab, Inc. in Annapolis, MD gives an explanation of what to expect when inspecting a septic system when buying a home. Homeowners are advised to have their septic tanks pumped every two years to ensure a properly operating system and to head off potential costly repairs. When buying always ask [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=thebayhomes.wordpress.com&amp;blog=1791209&amp;post=504&amp;subd=thebayhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<div id="scid:5737277B-5D6D-4f48-ABFC-DD9C333F4C5D:f1a10d4f-71de-4a17-a34f-81551c4c0700" class="wlWriterEditableSmartContent" style="display:inline;float:none;margin:0;padding:0;">
<div><span class='embed-youtube' style='text-align:center; display: block;'><iframe class='youtube-player' type='text/html' width='468' height='294' src='http://www.youtube.com/embed/2Kmt1zPqpVs?version=3&amp;rel=1&amp;fs=1&amp;showsearch=0&amp;showinfo=1&amp;iv_load_policy=1&amp;wmode=transparent' frameborder='0'></iframe></span></div>
</div>
<p>Daniel Brumsted of Environmental Testing Lab, Inc. in Annapolis, MD gives an explanation of what to expect when inspecting a septic system when buying a home. Homeowners are advised to have their septic tanks pumped every two years to ensure a properly operating system and to head off potential costly repairs. When buying always ask the seller for their septic system records.</p>
<p>Charles Kraus, Associate Broker – Coldwell Banker Residential Brokerage – Annapolis, MD – (443) 822-0700</p>
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		<title>Selling Your Home &#8211; Inspection Concerns</title>
		<link>http://thebayhomes.wordpress.com/2011/10/26/selling-your-home-inspection-concerns/</link>
		<comments>http://thebayhomes.wordpress.com/2011/10/26/selling-your-home-inspection-concerns/#comments</comments>
		<pubDate>Wed, 26 Oct 2011 02:04:48 +0000</pubDate>
		<dc:creator>thebayhomes</dc:creator>
				<category><![CDATA[no category]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[selling]]></category>
		<category><![CDATA[buried oil tank]]></category>
		<category><![CDATA[home inspection]]></category>
		<category><![CDATA[selling your home]]></category>
		<category><![CDATA[UST]]></category>

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		<description><![CDATA[When you are selling your home, one of the problems that can occur when the buyer has a home inspection performed, involves underground storage tanks. Occasionally, we run into an underground storage tank (UST) and sometimes they are used for gasoline, but most often they are used for heating oil. Underground tanks are subject to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=thebayhomes.wordpress.com&amp;blog=1791209&amp;post=501&amp;subd=thebayhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>When you are selling your home, one of the problems that can occur when the buyer has a home inspection performed, involves underground storage tanks. Occasionally, we run into an underground storage tank (UST) and sometimes they are used for gasoline, but most often they are used for heating oil.</p>
<p>Underground tanks are subject to moisture and rusting can lead to leaks due to failure of the integrity of the tank. Leaking gasoline and heating oil can contaminate ground water, so they are an environmental concern. Most states have regulations regarding these underground storage tanks, so check with your state <em>and</em> local jurisdiction to see what the regulations are for removal or abandonment.  According to <a href="http://www.mde.maryland.gov/programs/land/oilcontrol/undergroundstoragetanks/pages/programs/landprograms/oil_control/usthome/index.aspx" target="_blank">Maryland’s Department of the Environment</a>, they recommend tanks that are 25 years old or more be replaced with above ground tanks.</p>
<p><a href="http://thebayhomes.files.wordpress.com/2011/10/ustphoto.jpg" target="_blank"><img class="alignleft" style="display:inline;border-color:initial;border-style:initial;border-width:0;margin:2px;" title="UST photo" src="http://thebayhomes.files.wordpress.com/2011/10/ustphoto_thumb.jpg?w=124&#038;h=95" alt="UST photo" width="124" height="95" border="0" /></a>If a property is found to have an underground storage tank one way of testing the tank’s integrity and its associated piping, is to have a professional contractor who specializes in UST’s to perform a pressure test to determine if the tank is leaking. Additionally, a soil test around the area of the tank may be performed to determine if there has been any contamination. If it has been disclosed to the buyer that the property has a UST, a potential buyer will have to make a personal decision based on the information at hand, to consider making the removal and replacement of the UST with an above ground tank a condition of the contract or excepting the existing buried oil tank.</p>
<p>A careful inspection should be made to determine if an abandoned UST exists. Occasionally a situation occurs where sometime in the past, a UST will be replaced with an above ground tank or the HVAC system will be changed to an alternative fuel and in either case the old UST will be abandoned in place. Sometimes the current seller may not even be aware of this. These abandoned tanks can be problematic, especially if heating oil was left in the tank. Even if there is no oil in the tank, it may be advisable to remove the abandoned tank. Old tanks may be found to be abandoned in place by removing all oil and filling the tank with cement, sand or a slurry mixture. If in the time since abandonment took place the integrity of the tank failed and heating oil (or gasoline) has leaked into the soil, a regulated removal and environmental clean up will most likely be necessary. The clean up will often require removal of all contaminated soil from the site and disposal of the soil as required by the state and or local government.</p>
<p>We hope that this raises awareness of the problems that can occur when an underground storage tank exists. The information presented here is by no means the entirety of the subject or complete in scope and should be construed as a limited presentation involving USTs. Always consult with a professional in the field and also with your state and local government.</p>
<p>Note: The United States Environmental Protection Agency (<a href="http://www.epa.gov/oust/faqs/ustdefn.htm" target="_blank">EPA</a>) does not regulate residential underground oil tanks.</p>
<p><a title="Strategies For Selling Your Home" href="http://www.showmehowvideos.com/selling-your-home-strategies-p-44.html" target="_blank"><img class="alignleft" style="display:inline;border-color:initial;border-style:initial;border-width:0;margin:2px;" title="Strategies For Selling Your Home" src="http://thebayhomes.files.wordpress.com/2011/10/strategiesforsellingyourhome_halfsize.jpg?w=110&#038;h=131" alt="Strategies For Selling Your Home" width="110" height="131" border="0" /></a> If you are selling your home and would like to learn more about other tips and concerns, the DVD <a href="http://www.charleskraus.com" target="_blank"><em>Strategies for Selling Your Home</em></a> is available online at <em><span style="text-decoration:underline;"><strong><a href="http://www.showmehowvideos.com/selling-your-home-strategies-p-44.html" target="_blank">ShowMeHowVideos.com</a></strong></span></em></p>
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		<georss:point>38.978445 -76.492183</georss:point>
		<geo:lat>38.978445</geo:lat>
		<geo:long>-76.492183</geo:long>
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		<title>Hillsmere Shores Subdivision in Annapolis, MD</title>
		<link>http://thebayhomes.wordpress.com/2011/10/06/hillsmere-shores-subdivision-in-annapolis-md/</link>
		<comments>http://thebayhomes.wordpress.com/2011/10/06/hillsmere-shores-subdivision-in-annapolis-md/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 03:36:40 +0000</pubDate>
		<dc:creator>thebayhomes</dc:creator>
				<category><![CDATA[Annapolis]]></category>
		<category><![CDATA[Annapolis, MD real estate]]></category>
		<category><![CDATA[Anne Arundel County real estate]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Chesapeake Bay area real estate]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[Homes for Sale]]></category>
		<category><![CDATA[Maryland real estate]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[Annapolis MD real estate]]></category>
		<category><![CDATA[charles kraus]]></category>
		<category><![CDATA[charleskraus.net]]></category>
		<category><![CDATA[Hillsmere Estates]]></category>
		<category><![CDATA[Hillsmere Shores]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[Realtor]]></category>

		<guid isPermaLink="false">https://thebayhomes.wordpress.com/2011/10/06/hillsmere-shores-subdivision-in-annapolis-md/</guid>
		<description><![CDATA[Hillsmere Shores also known as Hillsmere Estates is a water privileged community in Annapolis, MD featuring a beach, boat ramp, marina and community pool and it is situated next to Quiet Waters Park, less than 5 miles from downtown Historic Annapolis. Hillsmere Shores Demographics Current Available Homes for Sale in Hillsmere Shores<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=thebayhomes.wordpress.com&amp;blog=1791209&amp;post=497&amp;subd=thebayhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hillsmereshores.net/" target="_blank">Hillsmere Shores</a> also known as <a href="http://www.hillsmereshores.net/" target="_blank">Hillsmere Estates</a> is a water privileged community in <a href="http://www.ci.annapolis.md.us/Home.aspx" target="_blank">Annapolis, MD</a> featuring a beach, boat ramp, marina and community pool and it is situated next to <a href="http://www.aacounty.org/RecParks/parks/quietwaters/" target="_blank">Quiet Waters Park</a>, less than 5 miles from downtown <a href="http://www.visit-annapolis.org/" target="_blank">Historic Annapolis</a>.     <br /><a title="Hillsmere Shores Demographics" href="http://en.wikipedia.org/wiki/Hillsmere_Shores,_Maryland" target="_blank"><strong>       <br />Hillsmere Shores Demographics</strong></a></p>
<p><a href="http://franklymls.com/default.aspx?m=R&amp;l=0&amp;h=ALL&amp;s=Active+(21403)+hillsmere+estates&amp;addy1=main%20street,%20Annapolis,%20md&amp;a=charles" target="_blank"><strong>Current Available Homes for Sale in Hillsmere Shores</strong></a></p>
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		<title>VA Funding Fees Going Up October 1st, 2011 (Postponed Until 09/17/2011)</title>
		<link>http://thebayhomes.wordpress.com/2011/09/26/va-funding-fees-going-up-october-1st-2011/</link>
		<comments>http://thebayhomes.wordpress.com/2011/09/26/va-funding-fees-going-up-october-1st-2011/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 21:02:03 +0000</pubDate>
		<dc:creator>thebayhomes</dc:creator>
				<category><![CDATA[Annapolis, MD real estate]]></category>
		<category><![CDATA[Chesapeake Bay area real estate]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Maryland real estate]]></category>
		<category><![CDATA[Maryland&#039;s Eastern Shore real estate]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[Funding Fees]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">https://thebayhomes.wordpress.com/2011/09/26/va-funding-fees-going-up-october-1st-2011/</guid>
		<description><![CDATA[UPDATE: Gov&#8217;t postpones raising the Funding Fees Until November 17, 2011. VA Funding Fees for loans closed on or after October 1, 2011 &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1st-time User Previous User Down payment Guard/Reserve Veterans Guard/Reserve Veterans Less Than 5% 1.40 1.65 2.80 2.80 5% Less Than 10% 0.75 1.00 0.75 1.00 10% or More Down 0.50 0.75 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=thebayhomes.wordpress.com&amp;blog=1791209&amp;post=494&amp;subd=thebayhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><strong>UPDATE: Gov&#8217;t postpones raising the Funding Fees Until November 17, 2011.</p>
<p>VA Funding Fees for loans closed on or after October 1, 2011    <br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </p>
<table border="12" cellspacing="1" cellpadding="1" width="463">
<tbody>
<tr>
<td valign="top" width="119"><font size="1"></font></td>
<td valign="top" width="71"><font size="1">1st-time User</font></td>
<td valign="top" width="63"><font size="1"></font></td>
<td valign="top" width="121"><font size="1">Previous User</font></td>
<td valign="top" width="69"><font size="1"></font></td>
</tr>
<tr>
<td valign="top" width="119"><font size="1">Down payment</font></td>
<td valign="top" width="71"><font size="1">Guard/Reserve</font></td>
<td valign="top" width="63"><font size="1">Veterans</font></td>
<td valign="top" width="121"><font size="1">Guard/Reserve</font></td>
<td valign="top" width="69"><font size="1">Veterans</font></td>
</tr>
<tr>
<td valign="top" width="119"><font size="1">Less Than 5% </font></td>
<td valign="top" width="71"><font size="1">1.40</font></td>
<td valign="top" width="63"><font size="1">1.65</font></td>
<td valign="top" width="121"><font size="1">2.80</font></td>
<td valign="top" width="69"><font size="1">2.80</font></td>
</tr>
<tr>
<td valign="top" width="119"><font size="1">5% Less Than 10%</font></td>
<td valign="top" width="71"><font size="1">0.75</font></td>
<td valign="top" width="63"><font size="1">1.00</font></td>
<td valign="top" width="121"><font size="1">0.75</font></td>
<td valign="top" width="69"><font size="1">1.00</font></td>
</tr>
<tr>
<td valign="top" width="119"><font size="1">10% or More Down</font></td>
<td valign="top" width="71"><font size="1">0.50</font></td>
<td valign="top" width="63"><font size="1">0.75</font></td>
<td valign="top" width="121"><font size="1">0.50</font></td>
<td valign="top" width="69"><font size="1">0.75</font></td>
</tr>
<tr>
<td valign="top" width="119"><font size="1">VA to VA Rate Reduction            <br /></font></td>
<td valign="top" width="71"><font size="1">0.50</font></td>
<td valign="top" width="63"><font size="1">0.50</font></td>
<td valign="top" width="121"><font size="1">0.50</font></td>
<td valign="top" width="69"><font size="1">0.50</font></td>
</tr>
<tr>
<td valign="top" width="119"><font size="1">Cash Out Refinance*            <br /></font></td>
<td valign="top" width="71"><font size="1">1.40</font></td>
<td valign="top" width="63"><font size="1">1.65</font></td>
<td valign="top" width="121"><font size="1">2.80</font></td>
<td valign="top" width="69"><font size="1">2.80</font></td>
</tr>
<tr>
<td valign="top" width="119"><font size="1">VA Assumptions</font></td>
<td valign="top" width="71"><font size="1">0.50</font></td>
<td valign="top" width="63"><font size="1">0.50</font></td>
<td valign="top" width="121"><font size="1">0.50</font></td>
<td valign="top" width="69"><font size="1">0.50</font></td>
</tr>
</tbody>
</table>
<p><font size="1">&#160; * includes Non_VA to VA Refinance&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></p>
<p><font size="1">Fee Schedule courtesy of Carolie Noyes, Mortgage Advisor, PHH/Coldwell Banker Home Loans (410) 533-6117&#160;&#160;&#160; email Carolie at </font><a href="mailto:carolie.noyes@mortgagefamily.com"><font size="1">carolie.noyes@mortgagefamily.com</font></a></p>
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		<georss:point>38.978445 -76.492183</georss:point>
		<geo:lat>38.978445</geo:lat>
		<geo:long>-76.492183</geo:long>
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		<title>Baltimore Metro July 2011 Real Estate Statistics</title>
		<link>http://thebayhomes.wordpress.com/2011/08/15/baltimore-metro-july-2011-real-estate-statistics/</link>
		<comments>http://thebayhomes.wordpress.com/2011/08/15/baltimore-metro-july-2011-real-estate-statistics/#comments</comments>
		<pubDate>Mon, 15 Aug 2011 17:13:42 +0000</pubDate>
		<dc:creator>thebayhomes</dc:creator>
				<category><![CDATA[Annapolis, MD real estate]]></category>
		<category><![CDATA[Anne Arundel County real estate]]></category>
		<category><![CDATA[Chesapeake Bay area real estate]]></category>
		<category><![CDATA[Housing prices]]></category>
		<category><![CDATA[Maryland real estate]]></category>
		<category><![CDATA[Maryland&#039;s Eastern Shore real estate]]></category>
		<category><![CDATA[Queen Anne&#039;s County real estate]]></category>
		<category><![CDATA[Annapolis MD real estate]]></category>
		<category><![CDATA[Eastern shore real estate]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">https://thebayhomes.wordpress.com/2011/08/15/baltimore-metro-july-2011-real-estate-statistics/</guid>
		<description><![CDATA[The July 2011 real estate sales statistics have been released by MRIS and RBI. The Baltimore Metro area includes Anne Arundel, Baltimore, Carroll, Harford and Howard counties and Baltimore city. &#160;Baltimore Metro July 2011 Sales Statistics Statistic Volume Year over Year Month over Month Total Sold Dollar $606,817,429 + 6.66% - 7.68% Closed Sales Units [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=thebayhomes.wordpress.com&amp;blog=1791209&amp;post=493&amp;subd=thebayhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<h4><font size="2" face="Arial">The July 2011 real estate sales statistics have been released by MRIS and RBI. The Baltimore Metro area includes Anne Arundel, Baltimore, Carroll, Harford and Howard counties and Baltimore city.</font></h4>
<h4><a href="http://thebayhomes.files.wordpress.com/2011/08/manrealtorinfrontofhouse3.jpg"></a>&#160;<font size="2" face="Arial Black">Baltimore Metro July 2011 Sales Statistics</font></h4>
<table border="12" cellspacing="1" cellpadding="1" width="480">
<tbody>
<tr>
<td valign="top" width="144"><font size="2" face="Arial Narrow">Statistic</font></td>
<td valign="top" width="136"><font size="2" face="Arial Narrow">Volume</font></td>
<td valign="top" width="94"><font size="2" face="Arial Narrow">Year over Year</font></td>
<td valign="top" width="77"><font size="2" face="Arial Narrow">Month over Month</font></td>
</tr>
<tr>
<td valign="top" width="143"><font size="2" face="Arial Narrow">Total Sold Dollar</font></td>
<td valign="top" width="135"><font size="2" face="Arial Narrow">$606,817,429</font></td>
<td valign="top" width="95"><font size="2" face="Arial Narrow">+ 6.66%</font></td>
<td valign="top" width="78"><font size="2" face="Arial Narrow">- 7.68%</font></td>
</tr>
<tr>
<td valign="top" width="142"><font size="2" face="Arial Narrow">Closed Sales Units</font></td>
<td valign="top" width="135"><font size="2" face="Arial Narrow">2,176</font></td>
<td valign="top" width="95"><font size="2" face="Arial Narrow">+12.45%</font></td>
<td valign="top" width="79"><font size="2" face="Arial Narrow">- 8.11%</font></td>
</tr>
<tr>
<td valign="top" width="142"><font size="2" face="Arial Narrow">Median Sold Price</font></td>
<td valign="top" width="134"><font size="2" face="Arial Narrow">$225,000</font></td>
<td valign="top" width="95"><font size="2" face="Arial Narrow">-10.00%</font></td>
<td valign="top" width="80"><font size="2" face="Arial Narrow">- 4.46%</font></td>
</tr>
<tr>
<td valign="top" width="142"><font size="2" face="Arial Narrow">AVG Sold Price</font></td>
<td valign="top" width="134"><font size="2" face="Arial Narrow">$278,868</font></td>
<td valign="top" width="95"><font size="2" face="Arial Narrow">- 5.15%</font></td>
<td valign="top" width="81"><font size="2" face="Arial Narrow">+&#160; .46%</font></td>
</tr>
<tr>
<td valign="top" width="141"><font size="2" face="Arial Narrow">AVG Days on Market </font></td>
<td valign="top" width="134"><font size="2" face="Arial Narrow">114 days</font></td>
<td valign="top" width="95"><font size="2" face="Arial Narrow">+17.53%</font></td>
<td valign="top" width="81"><font size="2" face="Arial Narrow">+ 1.79%</font></td>
</tr>
<tr>
<td valign="top" width="141"><font size="2" face="Arial Narrow">AVG Sold to Orig List Price</font></td>
<td valign="top" width="135">
<p style="margin-right:0;" dir="ltr"><font size="2" face="Arial Narrow">88.58%</font></p>
</td>
<td valign="top" width="95"><font size="2" face="Arial Narrow">- 2.31%</font></td>
<td valign="top" width="82"><font size="2" face="Arial Narrow">- 1.12%</font></td>
</tr>
</tbody>
</table>
<p><font size="2" face="Arial Black">Anne Arundel County July 2011 Sales Statistics</font></p>
<table border="12" cellspacing="1" cellpadding="1" width="479">
<tbody>
<tr>
<td valign="top" width="134"><font size="2" face="Arial Narrow">Statistic</font></td>
<td valign="top" width="117"><font size="2" face="Arial Narrow">Volume</font></td>
<td valign="top" width="103"><font size="2" face="Arial Narrow">Year over Year</font></td>
<td valign="top" width="96"><font size="2" face="Arial Narrow">Month over Month</font></td>
</tr>
<tr>
<td valign="top" width="134"><font size="2" face="Arial Narrow">Total Sold Dollar</font></td>
<td valign="top" width="118"><font size="2" face="Arial Narrow">$167,587,360</font></td>
<td valign="top" width="103"><font size="2" face="Arial Narrow">+ 1.58%</font></td>
<td valign="top" width="96"><font size="2" face="Arial Narrow">- 8.86%</font></td>
</tr>
<tr>
<td valign="top" width="133"><font size="2" face="Arial Narrow">Closed Sales Units</font></td>
<td valign="top" width="119"><font size="2" face="Arial Narrow">447</font></td>
<td valign="top" width="103"><font size="2" face="Arial Narrow">+ 5.92%</font></td>
<td valign="top" width="96"><font size="2" face="Arial Narrow">-17.07%</font></td>
</tr>
<tr>
<td valign="top" width="133"><font size="2" face="Arial Narrow">Median Sold Price</font></td>
<td valign="top" width="119"><font size="2" face="Arial Narrow">$290,000</font></td>
<td valign="top" width="103"><font size="2" face="Arial Narrow">-12.09%</font></td>
<td valign="top" width="96"><font size="2" face="Arial Narrow">+2.84%</font></td>
</tr>
<tr>
<td valign="top" width="133"><font size="2" face="Arial Narrow">AVG Sold Price</font></td>
<td valign="top" width="119"><font size="2" face="Arial Narrow">$374,916</font></td>
<td valign="top" width="103"><font size="2" face="Arial Narrow">- 4.10%</font></td>
<td valign="top" width="96"><font size="2" face="Arial Narrow">+ 9.89%</font></td>
</tr>
<tr>
<td valign="top" width="133"><font size="2" face="Arial Narrow">AVG Days on Market </font></td>
<td valign="top" width="119"><font size="2" face="Arial Narrow">115 days</font></td>
<td valign="top" width="103"><font size="2" face="Arial Narrow">+ 9.52%</font></td>
<td valign="top" width="96"><font size="2" face="Arial Narrow">+ 2.68%</font></td>
</tr>
<tr>
<td valign="top" width="133"><font size="2" face="Arial Narrow">AVG Sold to Orig List Price</font></td>
<td valign="top" width="120"><font size="2" face="Arial Narrow">90.47%</font></td>
<td valign="top" width="103"><font size="2" face="Arial Narrow">- 1.57%</font></td>
<td valign="top" width="96"><font size="2" face="Arial Narrow">- 1.11%</font></td>
</tr>
</tbody>
</table>
<p><font size="2" face="Arial Black">Eastern Shore Metro July 2011 Sales Statistics – includes Caroline, Cecil, Dorchester, Kent, Queen Anne’s &amp; Talbot counties</font></p>
<table border="12" cellspacing="1" cellpadding="1" width="480">
<tbody>
<tr>
<td valign="top" width="112"><font size="2" face="Arial Narrow">Statistic</font></td>
<td valign="top" width="115"><font size="2" face="Arial Narrow">Volume</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">Year over Year</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">Month over Month</font></td>
</tr>
<tr>
<td valign="top" width="112"><font size="2" face="Arial Narrow">Total Dollar Sold</font></td>
<td valign="top" width="115"><font size="2" face="Arial Narrow">$53,097,088</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">–8.48%</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">-17.62%</font></td>
</tr>
<tr>
<td valign="top" width="112"><font size="2" face="Arial Narrow">Closed Sales Units</font></td>
<td valign="top" width="115"><font size="2" face="Arial Narrow">200</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">+ 3.63%</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">-15.25%</font></td>
</tr>
<tr>
<td valign="top" width="112"><font size="2" face="Arial Narrow">Median Sold Price</font></td>
<td valign="top" width="115"><font size="2" face="Arial Narrow">$192,500</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">-15.94%</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">- 3.75%</font></td>
</tr>
<tr>
<td valign="top" width="112"><font size="2" face="Arial Narrow">AVG Sold Price</font></td>
<td valign="top" width="115"><font size="2" face="Arial Narrow">$265,485</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">-11.69%</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">- 2.79%</font></td>
</tr>
<tr>
<td valign="top" width="112"><font size="2" face="Arial Narrow">AVG Days on Market</font></td>
<td valign="top" width="115"><font size="2" face="Arial Narrow">166 days</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">- 0.60%</font></td>
<td valign="top" width="112"><font size="2" face="Arial Narrow">-18.63%</font></td>
</tr>
<tr>
<td valign="top" width="112"><font size="2" face="Arial Narrow">AVG Sold to Orig List Price</font></td>
<td valign="top" width="117"><font size="2" face="Arial Narrow">87.12%</font></td>
<td valign="top" width="115"><font size="2" face="Arial Narrow">- 1.22%</font></td>
<td valign="top" width="116"><font size="2" face="Arial Narrow">+3.84%</font></td>
</tr>
</tbody>
</table>
<p><font size="2" face="Arial Narrow">On average for the areas shown, Average Sold Price to Original List Price shows that properties are selling for 9.53% to 12.88% off the seller’s original list or asking price. Real estate is local and these statistics may not represent those in your area or subdivision. Contact us or your real estate agent to find our what the statistics are for you area or subdivision. </font></p>
<p><font size="2" face="Arial Narrow">For more information, please contact &#8211; Charles Kraus, Associate Broker      <br />Coldwell Banker Residential Brokerage Annapolis, MD (O): (410) 919-2642       <br /></font></p>
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		<title>Pre-Inspecting Your Home Before Selling</title>
		<link>http://thebayhomes.wordpress.com/2011/08/12/pre-inspecting-your-home-before-selling/</link>
		<comments>http://thebayhomes.wordpress.com/2011/08/12/pre-inspecting-your-home-before-selling/#comments</comments>
		<pubDate>Fri, 12 Aug 2011 16:59:05 +0000</pubDate>
		<dc:creator>thebayhomes</dc:creator>
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		<title>Interest Rates Improve</title>
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		<pubDate>Fri, 05 Aug 2011 03:23:02 +0000</pubDate>
		<dc:creator>thebayhomes</dc:creator>
				<category><![CDATA[Annapolis]]></category>
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		<description><![CDATA[As money flees Wall Street in search of a safe haven, bonds are a beneficiary and that means interest rates are improving for mortgages. Contact your lender today to see if improving rates may help your situation. Charles Kraus, Associate Broker Coldwell Banker Residential Brokerage Annapolis, MD<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=thebayhomes.wordpress.com&amp;blog=1791209&amp;post=488&amp;subd=thebayhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><strong>As money flees Wall Street in search of a safe haven, bonds are a beneficiary and that means interest rates are improving for mortgages. Contact your lender today to see if improving rates may help your situation.</strong></p>
<p>Charles Kraus, Associate Broker    <br />Coldwell Banker Residential Brokerage     <br />Annapolis, MD</p>
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		<title>Anne Arundel County Real Estate Inventory by the Numbers</title>
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		<pubDate>Tue, 05 Jul 2011 16:46:02 +0000</pubDate>
		<dc:creator>thebayhomes</dc:creator>
				<category><![CDATA[Annapolis]]></category>
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		<description><![CDATA[Here is an interesting look at the homes available for sale in Anne Arundel County shown in table format displaying the number of homes for sale by price range. These numbers were accumulated just before the 4th of July 2011 Holiday. &#160; Price Range Number of Homes For Sale under $99,999 43* $100,000 – 299,999 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=thebayhomes.wordpress.com&amp;blog=1791209&amp;post=487&amp;subd=thebayhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Here is an interesting look at the homes available for sale in Anne Arundel County shown in table format displaying the number of homes for sale by price range. These numbers were accumulated just before the 4th of July 2011 Holiday. </p>
<p align="center">&#160;</p>
<div align="center">
<table border="12" cellspacing="1" cellpadding="1" width="400" align="center">
<tbody>
<tr>
<td valign="top" width="264">Price Range</td>
<td valign="top" width="109">Number of Homes For Sale</td>
</tr>
<tr>
<td valign="top" width="262">under $99,999</td>
<td valign="top" width="111">43*</td>
</tr>
<tr>
<td valign="top" width="261">$100,000 – 299,999</td>
<td valign="top" width="112">418</td>
</tr>
<tr>
<td valign="top" width="260">$300,000 – 399,999</td>
<td valign="top" width="113">606</td>
</tr>
<tr>
<td valign="top" width="259">$400,000 – 499,999</td>
<td valign="top" width="114">445</td>
</tr>
<tr>
<td valign="top" width="259">$500,000 – 599,999</td>
<td valign="top" width="114">293</td>
</tr>
<tr>
<td valign="top" width="259">$600,000 – 699,999</td>
<td valign="top" width="114">203</td>
</tr>
<tr>
<td valign="top" width="259">$700,000 – 799,999</td>
<td valign="top" width="114">145</td>
</tr>
<tr>
<td valign="top" width="259">$800,000 – 899,999</td>
<td valign="top" width="114">92</td>
</tr>
<tr>
<td valign="top" width="259">$900,000 – 999,999</td>
<td valign="top" width="114">72</td>
</tr>
<tr>
<td valign="top" width="259">$1,000,000 – 1,249,999</td>
<td valign="top" width="114">72</td>
</tr>
<tr>
<td valign="top" width="259">$1,250,000 – 1,499,999</td>
<td valign="top" width="114">67</td>
</tr>
<tr>
<td valign="top" width="259">$1,500,000 – 1,999,999</td>
<td valign="top" width="114">63</td>
</tr>
<tr>
<td valign="top" width="259">$2,000,000 – 2,999,999</td>
<td valign="top" width="114">52</td>
</tr>
<tr>
<td valign="top" width="259">$3,000,000 – 3,999,999</td>
<td valign="top" width="114">18</td>
</tr>
<tr>
<td valign="top" width="259">4,000,000 – 5,999,999</td>
<td valign="top" width="114">7</td>
</tr>
<tr>
<td valign="top" width="259">$6,000,000 + </td>
<td valign="top" width="114">4</td>
</tr>
<tr>
<td valign="top" width="259">*Does not include listed mobile homes</td>
<td valign="top" width="115">&#160;</td>
</tr>
</tbody>
</table></div>
<p align="center">&#160;</p>
<p align="left">The average days on market for homes for sale according to the last available report of May 2011 for Anne Arundel County is 109 according to <em>Real Estate Business Intelligence</em> statistics. Also, the same report shows nine months of inventory available, which is calculated by dividing the number of homes available for sale by the number of homes sold in that month. </p>
<p align="left">It is interesting to note that most expensive home for sale in Maryland according to the Metropolitan Regional Information System <a href="http://www.mris.com/" target="_blank">(MRIS)</a> is located in Dorchester County and as of the date of this post, was listed for $30 Million Dollars. You can see it on <a href="http://www.homesdatabase.com/home-listings-DECOURSEY+NECK-CAMBRIDGE-MD-MRIS-DO7443323" target="_blank">Homes Data Base</a>.    </p>
<p align="center"><a href="http://www.thebayhomes.com/?page_id=142" target="_blank"><img style="border-bottom:0;border-left:0;display:inline;margin-left:0;border-top:0;margin-right:0;border-right:0;" title="Strategies For Selling your Home_2" border="0" alt="Strategies For Selling your Home_2" align="left" src="http://thebayhomes.files.wordpress.com/2011/07/strategiesforsellingyourhome_2.jpg?w=112&#038;h=132" width="112" height="132" /></a></p>
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<p align="center">&#160; Charles Kraus, Associate Broker – Coldwell Banker Residential Brokerage – Annapolis, MD (O) 410 919-2642</p>
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