I expect this to move quickly.  We have already had a lot of traffic & interest in the unit.
This is NOT a Short sale or Foreclosure.  The owners have maintained the condo immaculately and are installing a brand new HVAC system.  It is custom made from Texas and will cost around 6k.  The owners want the next owners to be happy with their new home.

It shows like new with many upgrades throughout.  New & newer appliances, granite countertops, full-size washer and dryer inside the unit.
Very important– the building is approved for FHA financing.  Also, last checked, the delinquency rate is low & was way under what Lender Guidelines will accept.

Ask me about available 100% financing with no mortgage insurance to buy this condo.
With it your payment might look like this;
$979     principal & interest
$159     property taxes
$258     condo fee
$45       HO6 insurance
$1,441  total estimated payment

That above est pmt looks better than renting…  Give me a call and let’s make it happen!

BJ Matson
Remax Town Center
301-257-1270 call/text

–

– 
See below for more info and pictures

– click here for Virtual Tour

PHOTOS:

 FULL DETAILS
12901 Churchill Ridge Circle #13
Germantown, Maryland  20874
$1904  property taxes
$258    condo fee

12901 Churchill Ridge Cir #13, Germantown, MD 20874 (MLS # MC7841695)

View Virtual Tour

You will not find a unit this big & nice for this price. TOP floor 3 beds, 2 baths + LOFT. Shows like a new home. Very bright & open floorplan. Updated Kitchen & appliances. FULL Washer & dryer is inside the unit. BRAND NEW HVAC. Building IS FHA approved. ASK ME @ 100% financing NO mortgage insurance! Fast settlement. OPEN HOUSE Sunday May 20th 11am-2pm

Property Type(s): Residential for Sale, Res. Condo for Sale

Last Updated	5/18/2012	Tract	Churchill View
Year Built	1992	Community	n/a
Garage Spaces	n/a	County	Montgomery
Total Parking	1	Walk Score ®	65

Schools

Additional Details

Features

Location

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Listed with RE/MAX Town Center

(view all details for MLS #MC7841695)

—–

12901 Churchill Ridge Circle | Germantown condo
–
Search more Germantown condos for sale
–

–

Germantown condo for sale | 3 beds, 2 baths, Loft

Quince Orchard Park

Lakelands

Lakelands Ridge

Silver Spring

Montgomery Village

Potomac Maryland

Park Potomac Maryland

Kensington MD

Germantown

Great Falls | Montgomery County, Maryland

Welcome to Bethesda, Maryland

Good Saturday, BJ House will look like ‘new’… Wash your siding All types of siding accumulate dirt and grime, and even mildew.  Some professionals use a pressure washer on siding, but that can be too much.  It can damage the caulk and force water into the siding. Try to wash your siding with a mild detergent and water.  You can wet the surface and then spray with a garden sprayer.  Use a soft brush & put it on a long pole.  Work from the bottom up, and keep wetting the area below the part you’re scrubbing to prevent dirty wash water from streaking your dry siding.  Rinse with clean clear water. If your siding has gray, black or green spots try washing with ‘jomax’… a good product that removes mildew.  I like to add bleach to my water and it really brightens up my white siding. You will be pleasantly surprised at the big results.       Latest Foreclosures Here are the most recent Foreclosure listings (4) to hit the market this past week in Montgomery County. 8 Catawba Manor Court – Clarksburg – 20871 – $368,480 13405 Country Ridge – Germantown – 20874 -  $159,900 2828 Mozart Drive – Silver Spring – 20904 – $207,000 605 Kerwin Road – Silver Spring – 20901 - $274,400 Montgomery County homes for sale Search all homes Latest Foreclosures – Short Sales – Rentals Rate Snapshot 4.000%  30 year fixed 3.375%  15 year fixed 2.875%   7 year ARM 3.750%   30 year fixed- FHA Rates above are 0 point quotes based on conforming loan amounts, from local Loan Officers. Based on A credit, with 10% down payment.. above “Rate Snapshot“ is reality for our area. Ask a local Loan Officer - using rental income to qualify           Earth Day is tomorrow… Help reach the one billion pledge goal on earthday.org by doing your part for our planet. Things as simple as: –keep reusable bags in your car for all your shopping –Switch bulbs in your home to high efficiency ones –Hand wash & towel dry your dishes instead of the dishwasher Bad weather or not, Earth Day will be on the Mall tomorrow…  http://www.earthday.org/mall     Brookside Gardens in Silver Spring is having it’s own Earth Day Festival; http://www.montgomeryparks.org/brookside/earthday.shtm Click above for the schedule of events…   Take the kids Rain & thunderstorms are hitting us today & tomorrow so it might not be the best weekend to be outside.  We need to decide soon because my little ones will go stir crazy if we don’t get out of the house and do something.  …and there’s no way that television will come on for even one minute. A 30 minute drive from Silver Spring is Arundel Mills shopping center. Today & tomorrow the Bass Pro Shop at Arundel Mills is having their “Kids Challenge Weekend”. 12:00 – 4:00pm: **Casting buckets, Archery, Life jacket race, Sleeping bag challenge, Knot tying, and crafts. Sounds perfect to me.  Wear your kids down AND best of all it’s free.  Have you ever been to a Bass Pro Shop??  They’re amazing, check out more here If you want to make a day of it while you’re out there, the Medieval Times at Arundel Mills has 2 shows today (1:30/4:00) and 1 show tomorrow at 5:00pm. Make no mistake, it is not cheap.  However, the experience is truly one of a kind and a lot of fun.  It will definitely amaze your little ones.  Put your crown on! http://www.medievaltimes.com/baltimore/abouttheshow.aspx                 Protect yourself – your wallet Literally… and what you should think about BEFORE & AFTER it goes missing Before - Photocopy your credit cards, ID cards, and licenses (front and back) to help you report their loss accurately and efficiently. - Keep the copies in a safe place. - Make new copies of cards that are updated or replaced. - Never carry your Social Security card with you. Keep it safe in a secure location. After - Cancel your credit cards and request replacements with new numbers. - Call agencies such as the Department of Motor Vehicles and your healthcare provider for replacement licenses and ID cards. - Report the theft of your wallet to the police. - Contact each national credit reporting agency (Equifax, Experian, Trans Union) to request that a fraud alert be attached to your accounts. Tip provided by Michael Herson of Liberty Mutual Learn more about Mike           At your service   Don’t hesitate to reply with any questions or assistance.. I would love the opportunity to  - help you sell your home - help you buy a home provide you solid real estate intel, including; - Sold comparables –> help determine market value - Rent comparables –> help determine market rental income - CLUE report –> provide the claim history on a home - Comparative Market Analysis ’CMA’       Have a great week! BJ Matson Montgomery County Realtor®Remax Town Center 19861-B Century Blvd Germantown, MD 20874     301-257-1270 call / text bj@choicerealestate.net www.montgomery-county-homes.net 000000000000000000000000000000000000000000000000000000000000000000000000000000000 This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.

April 21st 2012 Newsletter | Your Montgomery County home

Good Saturday, BJ   Another weekend is upon us…  take advantage ’cause Sunny and hot is here!  75 today, 85 tomorrow.  Enjoy! Take the kidsWheaton Regional Park was renovated and is a great place to take your little ones.  They still have the Train to ride, and the huge Carousel! Bunny Land at Butler’s Orchard in Germantown Today and tomorrow is the last day for this annual event. 9:00am to 3:00pm | $8.50/child and $6.50/adult Butler’s Orchard is in Germantown at 22200 Davis Mill Road | www.ButlersOrchard.com - Hayride – Rubber Ducky Derby Hunt for eggs - pedal tractors – inflatables – giant slides – real bunnies, lambs, chicks – and for additional $; food – face painting – pony rides                 Volunteer help needed – ‘Rebuilding Together’ – Saturday April 28thDo you know a skilled laborer, licensed plumber, or licensed electrician who is willing to donate his/her services?  Everyone can come and contribute…  yard clean up, trash removal, painting, volunteers with trucks for hauling, and tools are needed.    Rebuilding Together works to preserve affordable homeownership and revitalize communities by providing free home modifications & repairs, making homes safer, more accessible, and more energy efficient.–Montgomery County sign-up–D.C. sign-up–or call 301-590-8771 and speak with Debbie Bell                 Wobbling Ceiling Fan? Many fans wobble because they have loose parts or need to be balanced.  In many cases you can solve the problem by tightening bolts that hold fan blades to the motor housing. Sometimes, swapping the position of some blades may solve the problem…  Swap blade for blade and test the operation after each swap. If the above doesn’t work, see if the Manufacturer provides a weight kit to balance the fan. Work from blade to blade, adding and removing weight until the fan is balanced.  It IS tedious & time consuming but should work. Finally, the wobbling might be caused if the mounting to the ceiling box or bracket is loose.  Have a professional fix it if this is the case. Rate Snapshot 4.000%  30 year fixed 3.375%  15 year fixed 2.875%   7 year ARM 3.750%   30 year fixed- FHA Rates above are 0 point quotes based on conforming loan amounts, from local Loan Officers. Based on A credit, with 10% down payment.. above “Rate Snapshot“ is reality for our area. Ask a local Loan Officer – Bridal Registry Account initiativeby Brent Mendelson of 1st Mariner Mortgage So you’re getting married and your new wife doesn’t want to live with your three college buddies who remind her of the Delta frat from Animal House.  Or, it’s time you moved out of Mom’s basement. Completely understandable but your FHA loan requires 3.5% of the purchase price.  On a 250k home that’s $8,750 PLUS closing costs. To help with the down payment and costs of a buying a new home, a couple planning to get married can contact a participating lender and request that a bridal registry account be established in their names.  A Lender that is FDIC insured can open this account for them.   Then, family and friends may deposit their gift directly into the BRAI  for a down payment on the new home.  Instead of a bread maker, how about help us by our first home?!! For more info on Brent Montgomery County homes for sale Search homes–> MRIS homes database search | montgomery-county-homes.net Latest Foreclosures — Short Sales – Rentals         Eye Spy Below map views give you an idea of the number & location of ALL Foreclosures and Short Sale listings available right now in Montgomery County.  Do you know the difference and why a Foreclosure is much more desirable?  There’s a reason when you see a Short Sale listing, you’ll see wording like ”Potential…” OR “May be a short sale”.  I welcome you to contact me for the full explanation. Foreclosure listings Short Sale listings         At your service   Don’t hesitate to reply with any questions or assistance.. I would love the opportunity to  - help you sell your home - help you buy a home provide you solid real estate intel, including; - Sold comparables –> help determine market value - Rent comparables –> help determine market rental income - CLUE report –> provide the claim history on a home - Comparative Market Analysis ’CMA’ Have a great week! BJ Matson Montgomery County Realtor® Remax Town Center 19861-B Century Blvd Germantown, MD 20874 301-257-1270 call / text bj@choicerealestate.net www.montgomery-county-homes.net 000000000000000000000000000000000000000000000000000000000000000000000000000000000 This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.

April 14th 2012 Newsletter | Your Montgomery County home

Don’t be that guy!  Don’t:
–Open or apply for any new debt, increase balances on existing credit cards and lines of credit or let anyone from another lending industry (auto loans, credit cards, department stores, etc.) pull your credit report. It is the applicant’s responsibility to disclose to us any new or additional liabilities incurred up until and including the day of the closing of your loan.

Even if a creditor is offering a discount if you open a new card with them, you should avoid doing so until after the mortgage transaction is complete. This includes 90 days same as cash offers, etc. Opening any new debt or allowing a potential creditor to pull your credit report could alter your credit scores and/or increase the amount of monthly debt obligations that you are required to pay.

Any new inquiries that appear on the updated credit report will need to be addressed to prove whether or not new debt was opened and any new debt will have to be accounted for prior to closing. At the very least, this could delay your closing.  It could also cause you to no longer qualify if your credit scores drop or your debts increase.

–Change jobs.  If at all possible, try not to make a career move during the time between your mortgage application and the closing on your loan.  Even switching jobs within the same company might have an effect.  I know of a buyer who did this, and went to straight salary with none of the previous overtime he had been getting.  He needed this overtime to qualify.  Dead deal.

At the very least, changing jobs initiates the need for more paperwork, and may delay your closing if we don’t address it earlier on in the process.  There could also be requirements about how long you are on a new job before closing can happen. Please inform us as soon as you become aware of any changes to your employment status.

–Pack away your check book, bank statements, tax returns, or other important paperwork, if you are purchasing a new home. We may need to ask for copies of important documents during the process up until the closing.  In summary, DO NOT do anything that negatively impacts your ability to qualify for your loan. If you have any doubts about doing something CALL your Loan Officer first!

All lenders are required to pull a new credit report immediately prior to closing. Any changes from the initial credit report will require additional documentation and could cause a change to the underwriting decision on your loan.

Mike Parsons of Apex Home Loans
contributed to this article.  Mike has been in lending over 20 years and is a great mortgage resource, he’s local here in Montgomery County, and he offers great rates & programs.
Don’t hesitate to contact Mike 301-440-3864, http://www.apexhomeloans.com/michaelparsons

 -

-

-

-

What NOT to do after applying for a mortgage