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Welcome to Pat Hiban Real Estate Group'sGlen Burnie, Pasadena and Howard County Real Estate Website

Welcome! Here You Can Find Great Information on Anne Arundel, Baltimore and Howard County, Maryland Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss our Featured Homes! Also sign up to recieve our exclusive list of Foreclosure Properties!

With offices in Anne Arundel County and Howard County, we are able to serve a wide area in Central Maryland with the level of experience and expertise that you would expect from the Top Team at Keller Williams!

Need local real estate information? We've summarized much of what is important about the Anne Arundel, Baltimore, Howard County and the rest of Central Maryland real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional Real Estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As The #1 Team in Maryland and #2 in the Country, we are Real Estate Agents that have the experience and track record you are looking for! Please let us help.

Our Team Looks forward to serving you!

-The Pat Hiban Real Estate Group

Buy or sell your home with us and use our truck to move for FREE!

School Reports in Glen Burnie, Pasadena and Howard County, Maryland

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Financing Your Home >Your Mortgage

Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.

More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!

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Q	What U.S. state is home to the world's richest woman?
A	Alice Walton, daughter of WalMart's founder and heiress to $16.5 billion, lives on a ranch in the state of Texas.
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Pat Hiban Real Estate Group, REALTOR®, real estate agent and broker for Glen Burnie, Pasadena and Howard County, Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Charlotte Savoy

Keller Willams Crossroads

Two Offices to Serve You

Ellicott City, MD and Glen Burnie, MD

Office: 410 766-8000

Fax: 410-766-8005

Charlotte@HibanGroup.com

Charlotte is a native of Howard County and has lived in Maryland her entire life. She currently lives in Ellicott City with her husband, Ike and their three sons Josh, Jalen and Braeden along with their goldendoodle Maya. Charlotte has been in the customer service arena for her entire adult life. She began her real estate career in 1998 and has rapidly taken on more and more responsibility as opportunities arose. She is an experienced agent, having helped more than 1000 customers with their home sale or purchase. Her knowledge of the market and the customer's needs makes her a very successful agent with many customers that return time and time again. This kind of experience can lead to only one conclusion…painless transactions for her customers!

She is known for her sincerity, professionalism and enthusiasm for the real estate business. From 2004-2007, Charlotte has been the Top Producing agent at The Pat Hiban Real Estate Group.

Pat Hiban
Keller Williams Crossroads
Two Offices to Serve You
Ellicott City, MD and Glen Burnie, MD
Office: 410-766-8000
Fax: 410-766-8005
homes@hibangroup.com

Pat was born at Georgetown Hospital and has been a Central Maryland resident since his birth. He is a graduate of Wilde Lake High School and Frostburg State University. He currently lives in Columbia with his wife, Kim; 2 daughters and 2 labradors, Libra and Piper. Pat is an active runner, weight trains and practices Tae Kwon Do. In his free time he enjoys his family and enjoys writing. We are currently the #2 Team out of 80,000+ agents in the USA! Last year we sold more than $150 Million Dollars in Real Estate, while providing a level of service that is second to none!

Equal Housing MLS CRS REALTOR

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