Real Estate Resources:
Special Offers - Special offers for Glen Burnie, Pasadena and Howard County homeowners from Pat Hiban Real Estate Group. Affiliates - Pat Hiban Real Estate Group's real estate web site affiliates. eNewsletter - Pat Hiban Real Estate Group'sGlen Burnie, Pasadena and Howard 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 Glen Burnie, Pasadena and Howard 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 Glen Burnie, Pasadena and Howard County house, ranch, luxury property, condominium, acreage, or other real estate? Adjustable Rate Mortgages - Adjustable rate Glen Burnie, Pasadena and Howard 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 Pat Hiban Real Estate Group 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 - Pat Hiban Real Estate Group'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 - Pat Hiban Real Estate Group'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 Glen Burnie, Pasadena and Howard County property in Maryland, including legal terms definitions, and more. Go to Main Sitemap - Main sitemap sections include Find Glen Burnie, Pasadena and Howard County Homes, For Home Buyers, For Home Sellers, Glen Burnie, Pasadena and Howard County Information, Real Estate Resources, and About Pat Hiban Real Estate Group. 
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Financing Your Home >Home Free
Conventional wisdom says, "Don't pay off your mortgage early." Are you foolish to consider an early payoff? Absolutely not! By adding just $50 to $100 to your mortgage payment every month, you can save thousands of dollars in interest, pay off your loan quicker, and eliminate a major monthly expense.
The argument usually given against paying off a mortgage early is that you can make investments with your extra cash, such as mutual funds, stocks or bonds, which pay higher returns. This approach enables you to take the mortgage interest deduction and have easy access to your money, in case you need it. These are all definite pluses, but are not guaranteed savings results.
Any extra income which an investment might generate above your home equity appreciation can be offset by a bad year in the investment market. Investment earnings can virtually eliminate the income tax advantage of your mortgage interest deduction, since stocks and bonds are likely to generate a fair amount of dividends, interest income and capital gains.
It isn't as simple as conventional wisdom--consult a financial expert.
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| Q |
What economic factor can make the purchase of a home an excellent long-term investment?
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| A |
Home price appreciation can result in a substantial return on the buyer's investment as a house increases in value over time. |
 See More Real Estate Trivia > |
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| 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. |
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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!    
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