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Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate!
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 Compare
three mortgages at one time. Download TripleCalc now. It's
free. |
Pat Hiban Real Estate Group
is one of The Top Selling Real Estate Experts™
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YES, it's TRUE! You can still receive 100% financing. There are several programs out there that allow you to obtain a loan without ANY MONEY OUT OF YOUR POCKET ! We specialize in helping our clients find and get approved for these loans. The newest loan to be introduced is ONLY BEING OFFERED until 12/31/08 and it is an FHA loan with a 30 year fixed interest rate! No gimmicks, this is totally out there and we would love to help your purchase a home using one of these programs! Call us today and let us help you find the perfect loan program and home so you can start packing! Don't let this AWESOME opportunity pass you by! The market won't be this good for buyers forever.
Download TripleCalc for FREE. It's Our Gift to You.
 You can compare three loans at one time with TripleCalc software. The software installs easily on your Windows PC. You don't have to be online to use TripleCalc, like the other calculators on our site. You can leisurely compare three loans from three different lenders, and try different scenarios to see which loan is best for you. TripleCalc would cost you about $30 elsewhere, but you can have it for FREE. It's our gift to you for visiting our Glen Burnie, Pasadena and Howard County web site. You can send copies of TripleCalc to all your friends and associates. Click on the Download link below to get TripleCalc. It's a small file (about 225k) so it will download quickly. Save it on your hard drive, and then double-click on it. You'll see that it installs in a snap...  Download
TripleCalc Now!
This is what TripleCalc
will look like on your Windows PC. You can compare 3 loans,
at one time -- and you don't have to be online. TripleCalc
lets you get a leg up on complicated loan comparisons. |
Includes 8 other calculations
you can't do without:
- Simple Mortgages with P.I.T.I.
- Pre-qualifying mortgages
- Plus lease, investment, balloon payment and
other calculators.
- Every calculator uses the super-convenient
"compare three at once" format.
- It's FREE.
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TripleCalc Now!
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TripleCalc Now! |
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Selling Your Home >Playing It Safe
Conduct a thorough check for any safety hazards when you are getting your house ready to put on the market. You may be accustomed to the worn tread on the stairs, toys in the hallway, or closets that deposit their contents at your feet when the door is opened, but strangers won't be as intuitive as you are. They will be vulnerable to those little "hazards" as they walk through your home, turning on the faucets, opening closet doors, and going up and down the stairs.
The stairs are a good place to begin your safety check. Could someone tall accidentally bang their head on a beam, pipe or the ceiling as they go up or down? Is the carpeting on the stairs securely fastened? An area rug should have a non-slip mat underneath.
Safety is important because someone who is injured in your home could sue you for damages. This doesn't happen often, but if it does, it can be extremely unpleasant. "Better safe than sorry" applies to homes as well--especially when they are for sale and open to visits from potential buyers.
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| Charlotte Savoy |
| Keller Willams Crossroads |
| Two Offices to Serve You |
| Ellicott City, MD and Glen Burnie,
MD |
| Office: 410 766-8000 |
| Fax: 410-766-8005 |
| Charlotte@HibanGroup.com |
Charlotte is a native of Howard County and has lived in Maryland her entire life. She currently lives in Ellicott City with her husband, Ike and their three sons Josh, Jalen and Braeden along with their goldendoodle Maya. Charlotte has been in the customer service arena for her entire adult life. She began her real estate career in 1998 and has rapidly taken on more and more responsibility as opportunities arose. She is an experienced agent, having helped more than 1000 customers with their home sale or purchase. Her knowledge of the market and the customer's needs makes her a very successful agent with many customers that return time and time again. This kind of experience can lead to only one conclusion…painless transactions for her customers!
She is known for her sincerity, professionalism and enthusiasm for the real estate business. From 2004-2007, Charlotte has been the Top Producing agent at The Pat Hiban Real Estate Group. |
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Pat Hiban
Keller Williams Crossroads
Two Offices to Serve You
Ellicott City, MD and Glen Burnie, MD
Office: 410-766-8000
Fax: 410-766-8005
homes@hibangroup.com
Pat was born at Georgetown Hospital and has been a Central Maryland resident since his birth. He is a graduate of Wilde Lake High School and Frostburg State University. He currently lives in Columbia with his wife, Kim; 2 daughters and 2 labradors, Libra and Piper. Pat is an active runner, weight trains and practices Tae Kwon Do. In his free time he enjoys his family and enjoys writing.
We are currently the #2 Team out of 80,000+ agents in the USA! Last year we sold more than $150 Million Dollars in Real Estate, while providing a level of service that is second to none!    
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