Bethesda Real Estate MD | Gaithersburg Real Estate | Montgomery County Real Estate MD | Maryland Home Listings & Homes For Sale

Welcome! Here you will find homes for sale in Germantown, Gaithersburg, Montgomery Village, Rockville, North Potomac, Darnestown, Potomac, Bethesda, Kensington, Chevy Chase, Wheaton, Damascus, Silver Spring and Takoma Park, as well as nearby counties in Maryland and Virginia.

My goal is to help you find the information you need to make informed decisions about buying or selling a home.

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		What's for Sale? Search all local listings. If a home is for sale, you will find it with this complete, up-to-date search engine.

		Or, Search all local listings AND RECEIVE AUTOMATED EMAILS whenever a home comes on the market that meets your requirements. Stay ahead of the competition.

		See Murray's featured homes Find comprehensive information, including photos and virtual tours, on homes listed by Murray and some of his co-workers.

		How much did that home sell for? Enter any address, ANYWHERE IN THE UNITED STATES, for an immediate answer. When prompted, insert only the street name of the property you are interested in. You will then be given the most recent selling price of every home in that neighborhood.

		How do I inspect a home I may want to buy? Make the most of that initial visit. Learn what to look for, what's important, what's not.

		How do I get my own home ready to sell? What do buyers value most? Which improvements are worth spending money on? Which improvements don't affect value very much?


		What type of mortgage is best for me? What are the choices? How do I find the best rate?

		What are credit scores? How do they affect my buying power? How can I improve mine?

		What happens at Settlement? What can I expect? What is expected of me?

		Where do I get comprehensive information about local local schools? Here.

		How do I lower my homeowner's insurance costs?

		How do I find a good moving company?

		What's the best travel route to my job? Where are the most convenient roads? How can I avoid heavy traffic? Where do the buses stop? Where are the Metro stations?

		Who owns that house down the street? When did they buy it? How much did they pay? How much land does it have? What is the shape of the lot? Welcome to the Maryland Real Property website.


		Tell me everything I need to know about Montgomery County, its cities and towns. Pick and Click All Montgomery County Bethesda Chevy Chase Damascus Darnestown Gaithersburg Germantown Kensington Montgomery Village North Potomac Rockville Potomac Silver Spring Takoma Park Wheaton Garrett Park Washington Grove Town of Glen Echo IMPORTANT LOCAL PHONE NUMBERS Montgomery County Pharmacies Local Services I Recommend
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School Reports in Bethesda, Gaithersburg and Montgomery County, Maryland

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Maryland Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Bethesda, Gaithersburg and Montgomery County

Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Q	What document must lenders provide within three days of receiving your application for financing?
A	The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan.
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