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Find Your Home: Mitchellville, Bowie and Upper Marlboro Maryland home buying, real estate listings, and homes for sale in Prince George's County, MD

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As a top Mitchellville, Bowie and Upper Marlboro Realtor, I make it my business to be aware of every local home or property on the market. I even know of properties that will be available, but have yet to formally be placed on the market.

I have direct access to the Mitchellville, Bowie and Upper Marlboro area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings.

If you give me some idea of what you are looking for, I will personally review all my sources of real estate listing information and send you everything within your price range that matches your criteria. I can save you a great deal of time!

This is a totally free service, and there is no obligation. It's part of my job to offer services like this to homebuyers.

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Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Q	What does "contingency" mean in real estate?
A	A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence."
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Desiree Callender, REALTORŽ, real estate agent and broker for Mitchellville, Bowie and Upper Marlboro Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Desiree Callender
Desiree Callender & Associates, Realtors
2905 Mitchellville Rd Suite 101
Bowie, MD 20716
Phone: 301-390-2832
Phone 2: 301-390-8244
Fax: 301-390-2584
301-390-8344
Email: DesireeCallender@NUMBER1EXPERT.com
Email: desiree@mris.com
Desiree Callender is an associate broker with over twenty years of experience and see's herself as a partner with consumers as they pursue their Largest investment. Her mind set of partnership has contributed to her consistent success and has placed her in the top 1% of all realtors in the nation. Desiree is a consistent top producer and has been recognized as the number one agent in Prince George's County and in her office. She was inducted into the Re/Max Hall Of Fame in 1997, the Prince Georges's County Association of Realtors Hall of Fame in 2003 and is a recipient of the prestigeous Lifetime Achievement award. These are all career achievement awards. As a hard worker providing quality service she is awarded annually and is the first and only individual realtor in her Maryland office to receive the highest annual awards offered by RE/MAX international.Three Platinums and three Chairman's award. Desiree continues to give quality service and would love to share her experience and knowledge with you.

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