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All agents are NOT alike! Find out why we are top real estate experts. Call us: 301-855-5882.
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"Thanks to Cyndi, the entire process went smoothly from preparing the offer to going to closing, even though our situation was rather complicated."
~Doug and Carole Poole of Port Republic, MD
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Testimonials
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Read What People Are Saying About Us 

We always ask our clients to write or email us, and tell us truthfully how they appreciated our services to them. Their feedback is so important! Here are a few highlights of what people are saying about us... 


"Kudo’s to you, Cyndi! This is why you are so successful at what you do and we thank you."

~Brian and Andrea Daniels of Hughesville, MD
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"Thanks to Cyndi, the entire process went smoothly from preparing the offer to going to closing, even though our situation was rather complicated."

~Doug and Carole Poole of Port Republic, MD
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School Reports in Calvert County, Charles County, St. Mary's County and Prince George's County, Maryland
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Real Estate Tips
Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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Real Estate Trivia
Q 
What architectural detail made its way into the design of many suburban homes built in the 1950s, 60s and 70s?

A 
The picture window was a signature of the suburban American neighborhood.
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Linda Beam's Dream Team, REALTOR®, real estate agent and broker for Calvert County, Charles County, St. Mary's County and Prince George's County, Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Linda Beam's Dream Team
Home Towne Real Estate

111 East Chesapeake Beach Road
Owings, MD 20736
Office: 301-855-5882
Fax: 301-855-5882
DreamTeam@NUMBER1EXPERT.com

Specializing in investment properties, foreclosures, short sales, rehab loans, 1st time homebuyers, new construction, renovation, remodeling, and home staging.

Equal Housing MLS REALTOR


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