Robert McArtor
Robert B. McArtor the Maryland HOMES TEAM!
Direct 443-392-4833
 
L.Perry - Harford County
Testimonial
  "Thank you Robert, you and your Buyer Agents helped us save $12,345.00 on the purchase of our home. We were going to use a Virginia Broker who was also licensed in Maryland. You and your agents actually live in Maryland and was much more aware of the market conditions and your negotiating skills were excellent. I would recommend you and your Buyer Agents to anyone looking for a Home in Maryland. Also, you were very accessible to us by phone and email."  
 
 
Michael St. - Baltimore City Maryland
Testimonial
  "We are looking forward to a successful Auction here in Baltimore. You booked our property today at 12 noon and just like you said, it is on your website less than 12 hours later. WOW, were we impressed. Your professionalism went a long way when deciding on using your services. We are looking forward to reaping the rewards of your marketing abilities."  
 
 
M.K. - Jarrettsville Maryland
Testimonial
  "Just as your ad stated, we saved not only $5,000....but just over $12,000 on our home purchase, thank you thank you thank you!"  
 
 
John C. - Baltimore County
Testimonial
  "Robert, you met with my husband and I this past weekend and just wanted to say thank you. We were very impressed and very informed about the Auction Method! Because of your advise on our situation with our home. We are looking forward to listing the property with you. Please let us know a good time to meet."  
 
 
J.S. - Rosedale Maryland
Testimonial
  "My home was listed for three weeks with your team. I knew the property needed work when you listed it but had NO idea the interest. In just three weeks we had 23 showings, over 900 views of the Visual Tour you did for me and you negotiated a FULL Price contract! I am looking forward to settlement.....there is nothing more I could have asked for from your team."  
 
 
T.R. - Belcamp Maryland
Testimonial
  TESTIMONY: "Our search began in January and in a matter of 2 weeks we found our dream home. Robert and his team worked with us with financing, moving, even helped us moved our refrigerator! Now the good part, Robert was able to help us negotiate a savings of $5,800! on the purchase of our home. We were so excited, I referred my friend at work. Thank you Robert for a job well done."  
 
 
 
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URGENT NEWS
FHA Loan Change
Those Who Wait Will Pay Thousands More This Spring 2010
 

Waiting a few extra days or weeks to purchase a home this spring could cost buyers thousands of extra dollars as the office of Housing and Urban Development (HUD) implements several changes for loans guaranteed by the Federal Housing Authority (FHA).

Coming just weeks before the April 30 deadline for the Home Buyer Tax Credit and just days after the March 31 expiration of the Federal Reserve Board's mortgage backed securities purchase program (which has kept home loan rates artificially low for over a year), these FHA changes make it even more important to act now to save big.

Here are a few reasons why:

On April 5th, the cost of required up-front mortgage insurance for loans guaranteed by the FHA will increase from 1.75% to 2.25%. For a borrower purchasing a $200,000 home with a $7,000 down payment, the up-front mortgage insurance will increase by $965. Up-front mortgage insurance is typically financed in the final loan amount so the impact to a monthly payment will be minimal but overall, the increase is still borne by the borrower both upfront and monthly.

Later this spring, the amount of money that a seller can return to the buyer from their sale proceeds will be reduced from 6% to 3%. The reduction in these "seller concessions" can increase the amount of cash a buyer will be required to pay at closing by $6,000 for a home purchase of $200,000.

There is only one way to avoid being affected by all of these costly changes that lie ahead – submit all FHA mortgage applications by the last week of March.

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