Contratistas y Permisos: Que necesitas para poder referir TU negocio y para vender tu inversión!

Tu Casa

Por Nathalia N. Cruz-Edmonds

¿Sabía usted que si usted tiene una empresa de pintar casas en Maryland pero no tiene la licencia de la Comisión de mejoras para el hogar o como se llama en ingles, Maryland Home Improvement Commission, o por sus siglas en inglés MHIC, un agente de bienes raíces no puede referir futuro negocio? En noviembre de 2014, la Comisión de Bienes Raíces Maryland creó un reglamento que prohíbe a los agentes de bienes raíces y con penalidad de multas si es encontrado culpable de referir proveedores de servicios sin licencia. Este reglamento requiere que para para poder hacer un referido, los agentes tiene que hacer los referidos por escrito, tiene que verificar que el proveedor de servicios tiene una licencia del estado actual, informar la fecha en que el agente verificó por última la base de datos de licencias de estado y proporcionar un enlace electrónico al registro de licencias.

El agente de bienes raíces que se han encontrado violando esta regulación podría ser multado hasta $ 5,000 por infracción. Esto hará que conseguir nuevos clientes a través de una colaboración con agentes sea muy difícil. ¿Por qué es esto? Debido a que los consumidores siguen siendo afectados por los propietarios de negocios sin escrúpulos que hacen trampa, estafa y roban a la gente de buen corazón. El estado de Maryland ha considerado agentes inmobiliarios como una fuente de confianza, por lo tanto es responsable de proporcionar información precisa a sus clientes.

La siguiente es una lista de los negocios que necesitan ser adecuadamente licencia:

• Se requiere una licencia MHIC al instalar cualquier cosa que se convierte fijada permanentemente a la casa o propiedad, como baldosas y suelos de madera o un sistema de aspiración central, etc.
• Edificio o reforzar la chimenea, o la instalación de un casquillo de la chimenea, entonces se requiere una licencia de mejoras para el hogar. Servicio de limpieza no está incluido.
• Si el contratista realiza cualquiera de los servicios de reparación en la casa, entonces se requiere una licencia MHIC. No, demolición y trabajo de limpieza no se considera dentro de la definición de "mejoras para el hogar." Por lo tanto, el contratista no está obligado a tener una licencia MHIC para realizar estos servicios.
• La Comisión ha determinado que la instalación de televisores montados en la pared en las residencias no se considera "mejoras para el hogar"; por tanto, no se requiere una licencia MHIC.
• Pintura de casas se incluye dentro de la definición de "mejoras para el hogar." Esto incluye pintura interior y exterior y la pintura decorativa también.
• Sí, caminos de entrada, incluyendo caminos de grava, están dentro de la definición de "mejoras para el hogar"; por lo tanto, se requiere de un contratista autorizado para realizar el trabajo.
• No, una licencia MHIC no es necesaria para los tratamientos de ventanas interiores, como la instalación de cortinas o persianas. Esto se considera la decoración y no está dentro de la definición de "mejoras para el hogar."
• Trabajo realizado en la comunidad de bienes no cae dentro de la jurisdicción de la Comisión de mejoras para el hogar. Si un propietario contrata a alguien para construir un columpio o en el gimnasio de la selva en su casa, entonces se requiere una licencia MHIC, si la estructura se fijará de forma permanente a la tierra.
• Se requiere una licencia mejoras para el hogar, si la nave se instalará de forma permanente por el contratista en los terrenos adyacentes a la residencia. Si el contratista vende y entrega el cobertizo y simplemente lo coloca en el suelo, o sobre una base no permanente, como bloques de cemento, el contratista no está obligado a tener una licencia MHIC.
• Sí, se requiere una licencia de contratista de mejoras al hogar o subcontratista para instalar paneles solares para un dueño de casa, sin importar si los paneles se instalarán en el hogar o una dependencia adyacente a una residencia, o se adjuntará a la tierra al lado de la residencia. Se requiere un maestro electricista con licencia para conectar los paneles para el sistema eléctrico.
• Mientras que los contratistas del paisaje son licenciados por MHIC, el Departamento de Recursos Naturales de Maryland es responsable de los expertos de árboles de licencia. El trabajo de un experto árbol incluye el recorte, poda, raleo, el cableado, la conformación, la eliminación o la reducción de la corona de los árboles que son 20 pies o más de altura.

Una buena guía para saber si su empresa tiene que ser una licencia es responder a esta pregunta, es la mejora o reparación va a estar conectado permanentemente a la estructura? Si la respuesta es sí, usted necesita una licencia MHIC. Si usted tiene alguna pregunta con respecto a la regulación de licencias para en hogar, póngase en contacto con mhic@dllr.state.md.us correo electrónico o visite en línea en http://www.dllr.state.md.us/license/mhic/

Para recibir ayuda y educarse o capacitarse para aprender sobre esta licencia, favor de llamar a Hispanos Sin Fronteras al (301) 933-4447 o búsquenlos en Facebook https://www.facebook.com/SomosHispanosSinFronteras.

La siguiente lista son los proveedores de servicios que el agente inmobiliario necesita buscar que tengan licencia, incluye, pero no se limita a, las referencias a los prestamistas hipotecarios, corredores de hipotecas, tasadores de bienes raíces, los inspectores de viviendas, contratistas de mejoras al hogar, fontaneros, electricistas, calefacción, ventilación y aire acondicionado contratistas y todos los demás que se requiera ser licenciado. El Reglamento cubre referencias proporcionadas en relación con "la prestación de servicios de corretaje de bienes raíces."

Otro aspecto muy importante es que al hacer renovaciones en su casa, el contratista deberá ponerse en contacto con la ciudad o el condado donde se encuentra la casa y pedir permiso o “permits” en inglés.  

Usualmente, hay que pedir permiso para hacer cambios eléctricos, instalación de refrigeración y calefacción, insolación, añadiduras o remover parte de las estructura de una vivienda, plomería, entre otras cosas.  Para un listado en específico, usted debe buscar la lista en el condado donde se encuentra la propiedad.  Si usted quiere comprar una propiedad para alquilar o para vender usted se debe de seguir estas normas para evitar problemas en el futuro.

Se requieren permisos de construcción para lo siguiente:

• Estructuras de accesorios (cobertizos, garajes, pérgolas, etc.) más de 120 pies cuadrados
• Todas las estructuras accesorias situadas en la inundación de la zona A o ubicadas en los barrios históricos
• Garajes y cocheras asociadas a viviendas unifamiliares
• En la tierra piscinas de más de 250 pies cuadrados con lámina de agua de 24 pulgadas o más
• Todas las piscinas enterradas: una barrera de seguridad de 48 pulgadas con, puertas de cierre automático de auto-bloqueo se requiere
• Muros de más de 36 pulgadas: se requieren dibujos de ingeniería desde hace más de 48 pulgadas
• Cercas más de 42 pulgadas de altura
• Cubiertas superior a 16 pulgadas sobre el grado más bajo y excede 120 pies cuadrados
• Estufas de leña, estufas de pellets y chimeneas
• Las adiciones y modificaciones estructurales en las viviendas existentes
• Encerrando de porches abiertos y cubiertas
• Excavaciones Sótano
• Cambio de uso de la estructura
• Permisos de demolición
• La clasificación más de 5.000 pies cuadrados
• Alteraciones de casas históricas

Estados y condados proporcionan números de teléfono o sitios web para el consumidor de encontrar si la empresa está licencias o para verificar si se solicitaron y aprobaron los permisos. Para algunos puede ser demasiado y demasiado caro, pero al final se le proporciona una paz de la mente. El costo de hacer negocios es alto, pero la tranquilidad de saber que la posibilidad de su quema de casa porque de no ser correctamente cableadas disminuye en gran medida.

Nathalia N. Cruz-Edmonds es un REALTOR® con Berkshire Hathaway HomeService PenFed Realty. Para programar una llamada de reunión (410) 350-5848, en su oficina (410) 464-5500 o por correo electrónico a nathaliaedmonds@gmail.com. Ella es también el dueño de Clearview Real Estate Management LLC una compañía de bienes raíces para la manejación de propiedades.

FOUND

Since I was little, I have been creating art.

The years moved forward, as I did, the less I created.

But my soul cried out for me to release.  To break the tight boundaries inset for myself.

I caved.

I drew.

I FOUND.

Me.

I found the house of my dreams, when can I move in?

I found the house of my dreams, when can I move in?

By Nathalia N. Edmonds

You got your mortgage pre-approval letter and know how much you can spend to buy your new home!  If you qualify, you attended the First Time Homeowner seminar.  You hired an agent and you know what type of home you are going to buy.  Now what?

Is there a limit of how many homes you can see?  No.  Should you see 100 houses versus 10 or 3?  You see as how many houses you want to see.  I tell my clients that the house you want to make yours is the house that made your heart fluttered when you entered.  Or like my mother, she heard bells and felt an overwhelming sense of peace.  A great way to take control of which houses to see is when your agent sends you daily automated emails which will alert you when a new home becomes available!  Those emails are up-to-date and with correct information.  Looking at properties in Zillow, Trulia or Redfin do not have accurate information.  In Maryland, agents pay the Metropolitan Regional Information Systems or MRIS to see all the accurate information of properties that are actively available, under contract, sold even those properties that are withdrawn.  Trust is a very important aspect of your relationship with your Agent.  Remember, if you feel your current agent is not a good fit, you may cancel your business relationship and hire someone else!  Make sure to read your agreement first.  In the state of Maryland it is mandatory to place a contract expiration date as well as instructions on how to cancel your contract with the agent and broker.

Now, you found your home but not just your new home, you found YOUR DREAM HOME!  With your approval, your agent will write an offer on your behalf.  A contract will be about 47 pages long.  It could be less or it could be more.  In this contract you will let the seller know how much you are willing to pay for their home.  How much deposit you will pay, where you will deposit that money, how you will pay for the home, if you are doing any inspections, what you want to keep from the house, acknowledge the settlement date, amongst other things.  Other things will be acknowledgement of age of the property and possibility of lead, and all kinds of disclosures depending on county and type of home you are buying, especially if the neighborhood has a Home Owner Association.  In your offer, you will have dates of when you are due to do the inspections, when to apply for your mortgage loan, when you are going to settlement!  With the offer you will need to submit your mortgage pre-approval letter and your earnest money deposit.

What is the earnest money deposit?  The EMD or escrow money, how some agents call it, is a “good faith payment” it shows the seller that you are serious about buying their home, soo serious you are willing to put money down.  This amount it is usually 1% of the sales price or 10% if you are buying the home in cash.  So if you are offering $100,000 to buy their home, you need to prove a check or money order in the amount of $1,000.00.  This EMD will only be deposited ONCE your offer is accepted by the seller.  This money will be applied towards what you need to pay to get your home, meaning, you will now have to pay $99,000 plus closing costs.

Once the seller receives the offer, he or she will evaluate the offer or several offers and make a decision.  Do not be alarmed if your agent calls you back with a new offer from the seller.  Your agent will have your best interest and inform you of what are the best choices.  But remember, you are the only person who will make the decision.  Agents are advisors and messengers.  A good agent will email you the instructions you gave them over the phone for both your records.

Immediately after your offer was accepted by the seller you MUST contact your loan officer and start your application process.  If you already got “pre-approved” why do you need to apply?  Well, the loan officer creates your file and starts getting you formally approved and get the house appraised.  They make sure you didn’t go nuts and buy a boat or got into more debt.  The underwriter also schedules the appraisal to make sure the home is good collateral for the loan.  This process could easily take about 30 to 40 days.  It is important that YOU are as responsible to close early.  If you delay giving your loan officer all the documents he/she asks, you will delay the process.  Once the appraiser returns their findings and the home is good collateral, you will get approved or denied for the loan.  BUT BE AWARE, the underwriter will check your credit the day before or the day of the settlement and approve the loan!  Buy furniture AFTER settlement NOT before!

Simultaneously, your agent will schedule all the inspections.  You should ALWAYS do a structural and mechanical inspection.  This inspection MUST be done by a Licensed Home Inspector.  You can go to https://goo.gl/x0Ic5h and search if that person is licensed!  Inspections could run you about $250 up to $500.  You can also do Lead, Mold, Termite, Radon, Chimney and others.  The buyer will ALWAYS be responsible to pay for the inspections!  And don’t forget to go to the inspections!!

Around that same time, you would have to pick a Title company to help you investigate if the property has any issues with the past ownerships or any debts due to unpaid taxes, water bills or any other liens or debts against the property.

After all these things are done, you should expect to close between 45 days or 60 days and this is only if you are asking for money!  If you are paying your future home in cash, closing will happen in about 45 days.  At settlement, you must make sure you bring the check you need to pay, if any.  If you are a first time homeowner you could get $5,000 towards closing cost and you could have ask the seller for 3% closing cost help, which in some cases, you don’t need to bring anything.  Bring your ID!  Your loan officer will have given the title company their bank information to wire the money to which the title company will pay the seller’s mortgage and give him or her the difference in a check.  The sellers will bring the keys to your future home.  After signing the new title, the receipt or HUD1, you get your keys and the seller gets their check and you go home to your new home!

If you would like to learn more about the process in buying your future home, please contact me or your preferred agent!  

Nathalia N. Cruz-Edmonds is a REALTOR with Berkshire Hathaway HomeService PenFed Realty.  To schedule a meeting call (410) 350-5848, at her office (410) 464-5500 or via email at nathaliaedmonds@gmail.com.  She is also the owner of Clearview Real Estate Management LLC a third party real estate management company in Maryland.

 

Why should you hire a REALTOR?

With shows like BravoTV’s Million Dollar Listings New York, Los Angeles and Miami the perspective of a Real Estate Agent or REALTOR is pretty impressive.  Big houses, expensive clothes, fast cars and tons of money on commissions.  Last month, in the Baltimore Metro area the average sold price for a three bedroom townhome was $172,676.00 and for a 3 bedroom single family home was $244,773.00.  Out of 539 transaction of 3 bedroom single family homes sold, 24 were above $500,000.00!  That is only 4%!  

What does that mean?  REALTORS earn about the same as you do!  The difference is that our profession is about providing a home to our clients, or a business location for your growing business.  Like with anything, it’s about the effort you put into your work that will make the difference in your paycheck.  Like when buying an expensive item, such as the newest television or a car, you will do your research but ultimately you will ask the expert.  The expert that has been to the factory where the car or television that is being made.  For a REALTOR is the same BUT BETTER!  Why is it better?  Because the sale of real estate is regulated by the state and federal government for YOUR protection.

In the state of Maryland a REALTOR or Agent, must be licensed and affiliated with a licensed Broker.  Meaning the Agent cannot work on their own.  An Agent has to be affiliated with a company like Long and Foster, Coldwell Banker, ReMax or Berkshire Hathaway HomeService.  There are other real estate brokerage that are smaller that can and will provide the same services as the big national franchises.  The most important aspect when learning this information is that when you hire an Agent you are the Broker’s client, the Agent is a representative of the Broker to help you during your transaction.

For example, if you choose to hire me as your Agent when either buying or selling your home, I will represent you but you are a client of Berkshire Hathaway HomeServices PenFed Realty.  My Broker’s responsibility is to make sure I follow the law and represent you as best as we can.  Both the Agent and the Broker has to take classes in order to renew their license every two years and the Maryland Real Estate Commission oversee the rules and regulations of all real estate transactions in the state of Maryland.  This has been created in order to protect the public of anything and everything that can cause the client to lose money and to make the real estate profession an honest one.

Are the services of the REALTOR free?  If not, who pays for them?  A REALTOR is paid, a great number of times, by the seller.  Sometimes, the buyer pays the REALTOR.  Please understand that there is no law regulating how much you need to pay your REALTOR but you should NEVER EVER pay your REALTOR in advance.  A honest law abiding REALTOR will get paid when the transaction closes.  Meaning, when you get or give keys to the home at settlement.  Some brokerage firms ask for a “broker’s fee” which is typically between $250 up to $500 per transaction which covers the cost of doing business.  Again, this fee is also paid at settlement.  It doesnot matter if you want to see 100 houses and decide you will move out of state, you will NOT PAY ANYTHING UNTIL THE DATE OF SETTLEMENT!

You might ask yourself that if you can see houses for sale in the newspaper or in the Internet, why do you still need the assistance of a REALTOR?  Did you know the average contract is about 30 pages long?  Did you know that you may not be able to do a home inspection if you forgot to tell the seller you wanted to do one?  If you are buying a home, did you know you can ask the seller for closing cost help?  If you are either selling or buying a home do you believe your house is priced correctly?  Are you paying too much for a house?  Could you get a little bit more money if you sell your home now?

All these questions and more are answered by a licensed REALTOR.  We have access to accurate available listings in the state of Maryland.  The REALTOR we will write an offer for the house you want, as well guide you in explaining the contract.  We will make sure we protect you in making sure you have the right to inspections and inform you of any defects inside your future home.  Coordinate the home inspections as well as negotiate any repairs.  We will also assist you to get the house for the best pricing as dictated by the market.

Think about it this way, you own a pizza shop and a friend calls you and asks you to use your oven to cook their frozen pizza.  You are capable to buy or sell your home on your own but wouldn’t you rather hire an expert?

Nathalia N. Cruz-Edmonds is a REALTOR with Berkshire Hathaway HomeServices PenFed Realty.  To schedule a meeting call direct (410) 350-5848, at her office (410) 464-5500 or via email at nathaliaedmonds@gmail.com.  She is also the owner of Clearview Real Estate Management LLC a third party real estate management company in Maryland.

What are four types of different ownership and types of transactions in Real Estate?

Did you know that when buying a home there are four types of different ownership and types of transactions?  They are (1) Standard (2) Short Sale (3) REO/Foreclosure and (4) Auction.

When the ownership is “Standard” it means two things, (1) the person(s) on the title of the property own the property out-right meaning they paid their mortgage in full or have no mortgage; (2) the person(s) on the title are in good standing with their mortgage provider by paying their mortgage on time and the value of the property exceeds the loan amount.  

When dealing directly with the owner when buying a home it tends to be the easiest of all four transactions but like anything involving money, it can be stressful because you are dealing with the emotions of the seller.  The seller might be selling because they are moving to another state, or to live closer to family, might be downsizing or even because their current home is too small and need a bigger one.  They have an attachment because of either good or bad memories.  But it can also be financially beneficial to the buyer, because the seller can be in a position to assist the buyer with the cost of repairs and/or covering some or all closing cost.  These transaction can close between 45 to 60 days depending on what source of fund the buyer uses to buy the home.

A home that is labeled as a Potential Short Sale, the buyer will be dealing not only with the owner but with a Third Party, which is the bank who gave the first mortgage or even the two banks who gave the two mortgages.  There are times that a buyer can deal with THREE banks!  A short sale means the value of the property is lower than the amount of the existing loan.  A mortgage is when a bank lends you money to buy a home with the condition that the home you will be buying will be collateral or guarantee of repayment if you default from paying the loan.  The property is under your name BUT the bank owns the home until the loan is paid in full.  Catch-22 is that in order for the bank to re-sell the house to earn back what they lost, the property must have the same or better value of what the loan was originated for.  So, if your mortgage was for $100,000.00 but the value of the home is $75,000.00, if the bank approves the sale of the house, the house is a short sale, not a “standard” transaction because the bank did not recouped the value of the original loan.  

Short Sales usually happen predominantly because the homeowner can no longer afford the home or they have to relocate but they cannot sell the house at the price of the loan amount because the value of the property is lower.  A Short Sale is for someone that has time to move because it can take up to 60 days to close on the sale.

An REO means Real Estate Owned or also called Foreclosure.  These homes are owned by the bank that gave the mortgage but the owner stopped paying the mortgage and the bank assumed ownership.  Remember, when you get a mortgage on the house, the “real” owner is the bank, not you.  When the owner stopped paying the mortgage, the bank took back the house and the owners moved out.  

The REO/Foreclosed homes are interesting, because you have no idea what is inside unless you look.  These type of homes are sold “As-Is”,  meaning the owner, the bank, will not make any repairs.  For a first time home owner this is very difficult specially if they were approved to get a FHA loan.  In May’s edition we will explain the different types of loans available to buyers.  For this homes the owner must have a good amount of money saved in case there are hidden damages the buyer needs to fixed like a roof leak or structural issues.  A REO/Foreclosed transaction will settle in 30 days up to 45 days.

You can also buy your home through an Auction.  This houses are often sold site-unseen.  The owner will not make any repairs and the highest bidder is the one that gets the home.  These houses come available because the owner didn’t pay the county or city taxes, outstanding water bills and liens against the property.  

Buyers need to be very understanding of these types of ownership and transactions because just because a house is cheap doesn’t mean that you are getting a deal because of the extensive amount of repairs you will need to make in the end.  If you are not an investor with capital for the renovations, a first time homeowner should stay away from REO, Auctions and sometimes Short Sales.

For a detailed home buying presentation please contact Nathalia N. Cruz-Edmonds, REALTOR with the PS International Team of Berkshire Hathaway Homesale Realty by calling her directly at (410) 350-5848 or at the office (410) 583-0400 or via email at nathaliaedmonds@gmail.com.  Please visit our website at www.pitinastucky.com for a list of our current listings.  PS International Team speaks Spanish, English, French and Arabic.

Beautiful buildings in Baltimore City

 

I love walking around Baltimore and learn about the history of the buildings.   This one caught my eye.  Baltimore City Fire Company Engine No. 16.  It was built on 1910.  It is currently owned by Dominion Properties and it has been leased and it is schedule to re-open as a restaurant and micro-brewery this late Spring.  About the building's history, click here.

 

 

I look forward to show you more historic real estate soon!

 

-Nathalia

 

 

Getting ready to buy

Getting Ready to Buy

By:  Nathalia N. Cruz-Edmonds

With Daylight Savings starting on March 8 and the first day of Spring being on March 20th, thoughts of a new beginning start to really take shape.  Thoughts of moving is probably the first one specially because it is easier to move in warm weather than cold and it is easier to change school districts once the school year is over.  But, are you financially ready to complete this desire?

In the United States, having large amounts of cash stacked under the mattress only works in the movies like Scarface.  The reality is that cash needs to be in the bank not only because it is secured from being stolen(*) but because the Government demands it for tax purposes.  If your income is predominantly cash, you must start by opening a checking account and a savings account.  If you have an ITIN number, you are still able to open a bank account.  Usually to open a checking account, you need a government issued ID, and proof of residency whether is a copy of your lease agreement or a bill for cable, phone or utility.  Call your bank for more details.

Another big obstacle that you might be facing is lack of credit.  By definition credit is an arrangement for deferred payment of a loan or purchase.  This loan needs to be paid back, usually in monthly installments, until the balance is paid in full and sometimes you need to pay interest.  In the United States, credit is the second most important item in your financial health.  The easiest way to get credit is with a Secured Credit Card.  This credit card borrows money from an initial deposit you make when opening the account.  You can open this particular credit card with just $300.00, all banks have individual restrictions, therefore, you must call them directly to learn more about their product.  The purpose of this card is for you to use it no more than 15% of your available balance every month.  Meaning, if your available balance is $300.00 you cannot exceed $45.00 in purchases every month and then paid this used balance in full on the day your payment is due.  After a year the bank will return your initial deposit and the secure credit will convert into a regular credit.  The bank will be able to increase your credit and it will be easier to access more credit such as a mortgage!

Other ways of obtaining credit is by buying furniture, opening a credit card a major store like BestBuy, WalMart, Target, Macy’s or buy a car.  Please, do not go crazy.  Too much open credit will lower your credit score and if you do not pay your debts on time as agreed in the contract it will harm your financial credibility for SEVEN YEARS!  This means that once you start making late payments, have too many credits cards with high balances you will not be able to buy a home for SEVEN YEARS even if you paid your until your balances in full.

Finally, the first most important item of your financial health is a savings account!  You will need up to two months rent in order to move to a new place or minimum of $5,000.00 deposit if you are buying a home.  These amounts do not include the cost of moving from one home to the other.  When opening an checking account, make sure you are able to open a savings account.  Every time you get paid you should apply the 80/20 rule.  Ten (10) percent to save, Ten (10) percent to give to charity and Eighty (80) percent to pay your expenses  Having savings will also help you in a time of need such as losing a job due to weather, your car breaking down, or God forbid, paying a medical bill for yourself or a loved one.

Financial freedom is the ultimate goal which can be achieved by buying your home but in order to buy your home you must must have good financial health by having savings and good credit.  There is no better time than now to start!

Coming Soon!  PS International Team of Berkshire Hathaway Homesale Service will be representing the owners of newly remodelled houses in Essex (11 Helena Ave, Essex MD 21221) and in Dundalk.  Information will be soon available on www.pitinastucky.com.  If this is your first time buying a home, you must register to attend the First Time Homeowner Seminar at Southeast CDC on Eastern Avenue.  Visit http://goo.gl/28veRx to learn the next available date and register to attend the seminar.

Nathalia Cruz-Edmonds is a REALTOR with PS International Team of Berkshire Hathaway Homesale Realty and she is also the owner of Clearview Real Estate Management LLC.  To speak to her you can email her at nathaliaedmonds@gmail.com or call her directly at (410) 350-5848 or the office (410) 583-0400.  Visit her website at www.clearviewrem.com.

(*)To learn more about how banks in United States guarantee to secure your money please visit https://www.fdic.gov/deposit/deposits/