Calvert County real estate and homes for sale in Maryland, land, waterfront property - Judy Shaner, REALTOR® Judy Shaner REALTOR(r) for Calvert County, Maryland real estate, land, waterfront property - NUMBER1EXPERT™ Judy Shaner NUMBER1EXPERT(tm) for Calvert County, Maryland real estate, land, waterfront property
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Judy Shaner, REALTORŪ, real estate agent and broker for Calvert County Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 888-588-2001.


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For Realtors: Calvert County Maryland home buying, real estate listings, and homes for sale in Calvert  County County, MD
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You can trust me with your important referrals. I have a great track record of success as a top producer. I have the experience you are looking for. Plus I am a very web-savvy REALTORŪ, which is important to the majority of homeowners today. Why send a referral to anyone other than the best? This only reflects positively on you. 

As you well know, top real estate agents also have a higher closing ratio. You'll have a better chance of making a sale when you send your referrals to me. 

Grow your business by using proven, top agents. Your clients will be happy and this will lead to even more referrals for you, and at the same time you'll enjoy a greater percentage of your referrals turning into sales. Think about it. 

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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
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What was considered the world's tallest building one hundred years ago?

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The Eiffel Tower in Paris, France, completed in 1889 and standing 984 feet tall, is still considered one of the world's greatest structures.
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Judy Shaner, REALTORŪ, real estate agent and broker for Calvert County Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Shaner
RE/MAX 100

10425 Southern Maryland Boulevard
Dunkirk, MD. 20754
888-588-2001
301-855-2001
410-257-2001
Fax: 301-855-2030
Email: judy@judyshaner.com

Calvert County Real Estate has been my full time professional career since 1977 - that's almost 3 decades of experience waiting to be put to work for you! My success is due to the many buyers and sellers who come back to me again and again and send referrals to me because they know they can trust me to help them with their real estate needs. I have a simple and common sense approach to life and treat everyone like I want to be treated - fairly and honestly. I am looking forward to hearing from you and appreciate the opportunity to work with you.

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RE/MAX 100 real estate and homes for sale in Calvert County Maryland

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