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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Find Your Home: Calvert County Maryland home buying, real estate listings, and homes for sale in Calvert  County County, MD
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Let Me Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation. 

As a top Calvert County REALTORŪ, I make it my business to be aware of every local home or property on the market. I even know of properties that will be available, but have yet to formally be placed on the market. 

I have direct access to the Calvert County area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. 

If you give me some idea of what you are looking for, I will personally review all my sources of real estate listing information and send you everything within your price range that matches your criteria. I can save you a great deal of time! 

This is a totally free service, and there is no obligation. It's part of my job to offer services like this to homebuyers. 

Tell me what you are looking for! It's my job to know every property in Calvert County, even ones not listed online. My personal search for you is FREE and without obligation. Please give me as many details as possible... 

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Real Estate Tips
Financing Your Home >Balloon Mortgages

In loan terminology a "balloon" is the unpaid loan balance that must be paid in full on a specified due date. Federal savings and loan associations are permitted to make balloon mortgages with as little as five percent down and monthly payments that are smaller than the amount needed to fully amortize the debt. On the due date, which may be only a few years after the loan was made, the balance must be paid off or the loan must be renegotiated. Balloon borrowers must be cautious and plan carefully to avoid overlooking balloon payment obligations. It is easy to be lulled into complacency by the easy monthly payment terms.

Today's complex economics have produced a wide variety of options for potential borrowers, who are often surprised by how much house they can afford to buy. Loan approval is ultimately in the lender's hands, but your real estate agent can help you to determine your real buying power.

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Real Estate Trivia
Q 
What home is the best example of colonial architecture in homes designed to "grow" as the family grew?

A 
The House of the Seven Gables in Salem, MA, that was the model for Nathaniel Hawthorne's novel of the same name.
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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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