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Your home for Ocean City Maryland Real Estate and Ocean Pines Maryland Real Estate

Ocean City Ocean Pines Buyer Information

 

                      

If you are looking to buy Real Estate in the Ocean City, Ocean Pines and West Ocean City areas, you need a Real Estate agent that is armed with the information and tools you need.

As an Accredited Buyers Representative and e-Pro Internet Professional I can assist you through the whole buying process.

Sellers list their homes with real estate agents to assure professional representation throughout the home selling process.  As a buyer you deserve the same kind of professional service.  As an Accredited Buyer's Representative, let me assist you in the purchase of your new home. 

        Accredited Buyer's Representative

 

 

As a Certified e-PRO Internet Professional I have the technological expertise and marketing skills that today’s savvy clients require.

 


Your Plan

1.  Find the right representative

Even if you’re not quite ready to buy, a buyer’s agent can be an absolute wealth of information, and can often offer ‘scoops’ on local developments you might not have know about otherwise.
Contact me mailto:scott@oceancitywaterfront.com so I can help to guide you right from the start.

2.  Find out what your price range is

Online mortgage calculators are a good place to start, but as you get closer to being ready to buy, there is no substitute for a written mortgage pre-approval.  Just speaking to your lender is an extremely worthwhile venture – this is the only way to really get an in-depth picture of your overall financial picture and to discover exactly what you can reasonably afford to spend on a home (and possibly on renovating).

For Mortgage pre-approval please contact Danielle Del Camp.   Tell her Scott Guay sent you.

http://danielletownsend.coldwellbankerhomeloans.com/

           

3.  Find out what your local market looks like

The internet can be incredibly valuable in doing preparatory research.  However it can not replace the experence and knowledge of a local REALTOR®.

4.  Find out what your true needs and wants are

Compose a needs/wants list and l will show you what is available.

5.  Find your dream home!

Once you’re ready to act, you may be surprised by how quickly you can make a decision.  Armed with your pre-approval, market knowledge, and your needs/wants list, we can hit the pavement, and when you see ‘the house’, I will assit you in putting in an offer and follow it through to closing. 

 

 


Contact me


Whether you are planning to buy your first home, Vacation Home, Second Home, Investment or Retirement Home Let me know.

I'd love to hear from you!

To:  Scott G. Guay
Subject: 

First Name: 
Last Name: 
Email: 
Phone: 
Comments: 


Your Calculator


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  Receive this Detailed Analysis


Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 
Income Needed to Qualify for the Mortgage
 
Total Monthly Loan Payment:  
Total Monthly Debt Payment:  
Monthly Loan Insurance (%):  
Qualifying Income of % GDS Ratio:  
Qualifying Income of % TDS Ratio:  
 
What You Can Afford
We are using the % ratio.
Cost of House:  
Down Payment:  
Loan Value:  
Monthly Principal & Interest:  
Monthly Insurance:  
Monthly Property Tax:  
Monthly Condo Fees:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  



What is your primary source for real estate information?


Scott G. Guay                                                              
Associate Broker
ABR, GRI, e-PRO
MD State Licensed
Cell: 443-614-5676 
Office Phone: (410) 524-6111 
Fax: (410) 723-5121
Ocean City Office
10401 Coaastal Hwy
Ocean City, MD 21842

email: scott@oceancitywaterfront.com

 MLS License Coastal Association of Realtors Ocean City Maryland Waterfront Real Estate  Ocean Pines MD Real Estate Ocean City MD Real Estate    Ocean Pines Maryland Real Estate Ocean City Maryland  Real Estate Ocean Pines MD Real Estate Ocean City MD Real Estate        realtor Ocean Pines MD Real Estate Ocean City MD Real Estate                        

 

 
Scott G. Guay
 
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