Bruno Post: Maryland First Time Home Buyer Money For Rehabs, Foreclosures and Short Sales

Monday, June 27, 2011

Maryland First Time Home Buyer Money For Rehabs, Foreclosures and Short Sales

Attend our next first time buyer workshop CLICK HERE

Maryland First Time Home Buyer Money For Rehabs, Foreclosures and Short Sales

New! The Maryland Mortgage Program (MMP) offered through the state's Community Development Administration (CDA) has announced 2 loan products for distressed properties. All MMP products have low, fixed interest rates and some offer matching funds. These 2 new products will assist in revitalizing communities burdened with foreclosed and rundown properties.

The Acquisition / Rehabilitation Mortgage Program helps purchase a single-family home as a primary residence and obtain funds for needed repairs and renovations.

The Homeward Bound Program offers eligible buyers of foreclosed or short sale property a lower rate mortgage.

Learn how to successfully utilize the MMP for your customers at a FREE 3 CEU CDA workshop. The next training date is Wednesday, July 13 at 8:30 a.m.
Program Details >>

My HOME Down Payment and Closing Cost Assistance - up to 5% of Home Sale Price Offered to County Homebuyers who have not owned a home within the last 3 years. Over $1 million in total funds available. Consumer information page >> Details >>

American Dream Downpayment Assistance (ADDI) - up to $10,000 to County Homebuyers who have not owned a home within the last 3 years. Details >>

Federal Home Loan Bank of Atlanta (FHLB Atlanta) - up to $7,500 to first-time homebuyers in MD or DC. Details >>

Most of these programs can be used in combination. Learn how at our next homebuyers workshop visit http://downpaymentassistance.eventbrite.com for more details.
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Success Stories

Thank you for the wonderful assistance and guidance you provided to help us purchase our new home. You knowledge and advice were critical in making this happen. We will always contact you for our housing needs and will recommend you and your company to all that we know. With your help, we were able to make this happen and to enjoy our fifth wedding anniversary in our new home. Thanks a million.

Anthony and Elaine Jackson

What a tedious process buying a house can be. The emotional exhaustion just seems unreal and reaching a point of wanting to walk away seems inevitable. As my house hunting journey unfolded, I knew that having a steady source of knowledge, guidance, and support was essential. This is what Marcus consistently provided. In Malcolm Gladwell's The Tipping point, he described three types of people needed to make phenomenal change happen: Mavens, Connectors, and Salesmen. How fortunate for me that Marcus embodied all three of these change agents. He was a Maven that provided me with all of the information necessary to buy my home. In that realm, he was also a detailed listener as he paid attention to what I wanted in a home. He was a Connector because he was a great resource for the business people I needed in the process from a mortgage broker to a home inspector. Last, he was a Salesman in that he had a good sense of the housing market, understood what I was looking for, and negotiated to get me the best deal. His most impressive quality was efficiency. Believe me, when you're in the midst of the hurry-and-wait, quick-changing, unnerving house buying process, being able to quickly reach your realtor to have a question answered, or get information or reassurance is priceless. Overall, his facilitation of this process was invaluable. I knew when I spoke to him a year before I officially began my house search that I liked his relate-able, patient & professional manner. Marcus, I am so grateful for all of your guidance and diligent hard work in finding my wonderful first home! Quite simply, I thank you!

Melissa Phillips,
Kettering

The Banks family would really like to thank you for all your help and support during our search for our first home. Since our first initial meeting in March/April you have been very professional and knowledgeable when it comes to the different housing options and programs that as a family we could qualify for. As a client of Mr. Bruno’s we always felt like we were his first priority and he was always available to answer any questions that we had during the process. Marcus fights for his clients and ensures that you are comfortable with your purchase.

The most memorable moment in our relationship with Marcus was when we were able to sit down as a new client and really express to him our wants and what was important to us as a family in getting a home. The exercises that Marcus had us do in that very first meeting held true throughout the entire process. Even as our situation changed due to different circumstances throughout the whole home buying process when my wife and I got off track or had different opinions on homes; Marcus was able to go back to the notes of that first meeting and get us back on track and focused on our goal of purchasing a home. That was the most defining moment in are whole process. Marcus original and honest approach is a breath of fresh air.

I would refer and recommend anyone to use Marcus Bruno as an agent. Every deal is different and every deal will have issues, but there is no deal or issue that Marcus Bruno can’t handle. Once again The Banks family wants to thank Marcus Bruno for making our family’s dreams a reality. - Jeffrey & April Banks,
Riverdale, MD

What I liked the most from your service was your patience, understanding, and your willingness to adapt to tough demands and changes. We pulled through because you kept it moving! -Robert Feliz

Silver Spring, MD

The first thing I appreciate about the help you provided is your patience. It took a loooong time to find the house, and at times we would go across Maryland, from Clinton to Germantown, and look at up to 15 homes. Through it all, you were very patient and would even challenge me to take a more thorough evaluation of my decisions rather than rush me into a house to close a deal.

I also appreciate your knowledge of the market. I was given an explanation of all of our options and the latest on new programs immediately in order to take advantage of them. I heard about realtor's who didn't even want to touch the NSP deals, but you quickly educated yourself on it and helped me to do what was necessary to take advantage of it. And finally, the paperless system. That made the process of making offers and doing extensions really easy. My experience overall was really good and I don't really have anything that I can observe that needs improvement. -Musa Kposowa

Laurel, MD

We checked your website when looking for MLS listings, and found it to be very helpful. You answered all our questions and were quite knowledgeable about your area and about different loan programs. It would seem that you have a great rapport with the public, and you are definitely a people person. You made a significant difference; thank you for the help. -Benita & Darryl Stafford
Clinton, MD

Your step-by-step advice and guidance on specifics with which I was unfamiliar truly proved helpful, especially as I had never sold a home before. I got to know you personally and I appreciated how you thoroughly discussed and advised, "one-on-one", on all the contracts that came in. -Joanne Maxim
Hyattsville, MD

I wanted to write you to tell you how much your experience in real estate made my purchase of a house so easy. Your ability to qualify me for a house was fast, and by using your website, I was able to make my selection of houses from my home. And after I chose the house you did the rest: inspections, appraisal and finally the loan. Even settlement was a breeze-you made it all happen smoothly. The one thing that comforted me the most was the fact you signed a "buyers agent" agreement with me. I knew for sure you were on my side.

Again, Thanks for making my" buying a home" event a positive instead of a bumpy road which I know can happen. -Bob Keller
College Park, MD

Now---I've been thinking and it's difficult for me to choose the ONE thing you did that I appreciate the MOST. So, I'll list a few and let you choose. If you need me to elaborate, I'll gladly do that.

-As a first time homebuyer, I was really nervous and had a LOT of questions. Some of those questions I know I asked you more than once. But you were very patient and calmly and completely answered ALL my questions. Whenever something was not clear to me, you explained in terms that were easy for me to understand. That really put me at ease.

-You were accessible. I could call on you anytime and, if you were not available at that moment, you returned each call and email as soon as you were available. You were never rude to me or made me feel I was intruding. Not even when I'd call you on a Saturday or Sunday afternoon after I found a property that looked interesting and wanted more information on it.

-I always felt that you genuinely had my best interest at heart. If a property didn't look quite right to you or a seller said something that didn't sit right with you, you let me know about it. You let me know if a house looked like it wouldn't pass HPAP inspection and wisely advised me to move on.

-If I had bad feelings about a home we visited and they were valid to me but not always crystal clear to you, you didn't try to talk me into ignoring my feelings. You encouraged me to consider the possibilities but you never tried to push me into purchasing. You said, "Buying a home is an emotional decision. If this isn't the one, we'll keep looking."

Marcus, there's so much more. I could go on and on. I hope this helps and, in some way, depicts the blessing you have been to me. If you need more or anything else, don't hesitate. -Karen Beasley
Washington, DC

I found your seminar really worthwhile attending. What struck me most was that when I asked a question, I got an honest response, and when the facilitators didn't know the answer, they knew where to look up the information and get back to us about it. One of the great aspects was that there was an attorney present to give answers "from a legal point of view". Lastly, the handouts were clear and concise--really helpful and not something to put away in a binder forever and always. I would recommend this seminar to anyone who is planning to buy or sell a home and is new to the world of real-estate. -Tamika and James Wright
Fort Washington, MD

Marcus paid particular attention to our specific needs in the selling of our condo. He kept our requirements in mind and provided precise and professional advice to assist us when we had to take decisions. However, what we found most helpful among the services he provided was his explanation of the entire process as we went along. He was able to answer each question in detail, and indicate the next steps to be taken. Lastly, we liked the fact that Marcus was always available. If we had to leave a message for him, it was returned the same day. -Obadiah and Jenea Johnson

Bowie, MD

When we decided to sell our home and look for a new one, we firmly resolved not to make any compromises and to settle only for the house we really wanted, with all the attributes we chose as ideal. We realized this would take a good while, and so we warned our agent that he needed to be very patient; we did not want to feel rushed. We knew we would find what we wanted after a while, so he needed to bide his time. It took two whole years to find the house of our dreams and Mr. Bruno stayed the course all the way. He is like Job: perseverant to the end. Note that we only wrote one contract on a house, and it was for the one we bought, thanks to the help and guidance of our agent. Overall, we found that Mr. Bruno did a great job and we would recommend him to anyone. -Cindy & Bruce Wein
Halethorpe, MD

Marcus is a fast worker and reliable. I loved the electronic document service you used; it was super convenient for me considering I was in school and always on the go and unable to make it a office. I'm a tech savvy girl and anything electronic is a big plus for me. And Marcus was always there to calm me down when things were getting complicated and frustrating, things expected in the real estate business. You want someone who will make sure things get done, holla’ at Marcus. -Celia Lewis
Beltsville, MD

Our overall experience with Marcus Bruno was of great value. We really appreciated Marcus’s availability and how he treated us as if we were his only clients. Whenever we called on Marcus he gave us his undivided attention and answered all our questions right away. He was very patient with us and took his time in finding us the right house. Overall we would say his service is highly recommended and he is very knowledgeable at what he does. Marcus was very helpful with our needs and wants and in the end we found the perfect house. -Yolanda and Donnell Gaynor
Cheltenham, MD

Monday, June 27, 2011

Maryland First Time Home Buyer Money For Rehabs, Foreclosures and Short Sales

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