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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Resources: Calvert County Maryland home buying, real estate listings, and homes for sale in Calvert  County County, MD
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Special Offers: Special offers for Calvert County homeowners from Judy Shaner, top Realtor
Affiliates: Judy Shaner's real estate web site affiliates
eNewsletter: Judy Shaner's Calvert County newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Maryland, and United States
Market Conditions Report: Market conditions report for this area, Maryland, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Calvert County Maryland mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Maryland or buy your own Calvert County house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Calvert County mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Maryland real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Judy Shaner anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Judy Shaner's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Judy Shaner's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Calvert County property in Maryland, including legal terms definitions, and more

 

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Real Estate Tips
Buying Land and New Construction >Beware of Fat Clay

When building a home, you should have the soil on the construction site tested for plasticity to determine how it will change under different moisture conditions. This is important because some soil is so "plastic" that (if the condition is not corrected) it can actually break concrete floors, crack the walls and destroy the foundation of your home. Highly plastic soil is sometimes referred to as "fat clay" that swells excessively and loses stability when it becomes wet. Fine-grained soils that contain a high percentage of clay are greatly affected by water, turning to mud when it rains and undergoing large volume changes-sometimes up to 40 or 50 percent, as the soil dries. Not only do clays swell and lose stability when they become wet, but they also retard the drainage of water. If plastic soil is found on your building site, the ground must be over-excavated and replaced with clean gravel. Homebuilders often choose not to include a basement, or to protect the basement walls from excess moisture by surrounding them with a layer of gravel. A fine-grained clay-filled soil with a high plasticity index may require considerable treatment, especially if used in a moist location.

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Real Estate Trivia
Q 
What is the most populous state in the United States?

A 
California, with 35.9 million people.
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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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