Denise & Tom Hayes - The Hayes Real Estate Group

Denise & Tom Hayes - The Hayes Real Estate Group Quick & EASY Home Search for MD and PA Real Estate. It is the only site you will ever need! TheHayesGroup.realestate

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08/24/2025

A big part of the home sale process is the appraisal. No matter how much a seller wants for his home, or how much a buyer is willing to pay for a home, in the end, it all comes down to the appraisal. What is an Appraisal? A real estate appraisal establishes the market value of a property: the amount...

08/16/2025

As a homebuyer, you'll face one of three types of real estate markets as you embark on home ownership: buyers', sellers' and balanced. The type of offer you'll want to submit is highly dependent on the current market. In a market where there are lots of homes for sale and few buyers competing for th...

08/08/2025

If you purchase a home in a managed community, congratulations, you're about to become a member of, and be governed by, a homeowner's association, also known as a HOA. You'll be given a mountain of paperwork by this association and, believe me, these are some of the most important documents you'll r...

07/31/2025

Parting with a big chunk of money isn't easy. What is easy is giving in to the tendency to want to beat yourself up after spending it. It's classic buyer's remorse, and, while it's not common, we have seen a few cases of it during our time in real estate. Buyer's remorse is more common in...

07/23/2025

Things you'll typically hear and read about during a buyer's real estate market include low home prices, large inventories of available homes and little competition from other buyers. While homeowners naturally want to get top dollar for their homes regardless of market conditions, buyers' markets p...

07/16/2025

After all the time you spent finding the ideal home, negotiating back and forth with the seller on the price and terms, both you and the seller may be stunned when the appraisal comes in below the purchase agreement's price. While low appraisals aren't as common as they were as we rose from the ashe...

07/08/2025

Unless you'll be paying cash for a home or you are applying for a loan backed by the government (such as a USDA or VA loan) or a Fannie Mae or Freddie Mac loan, you'll need at least 20 percent of the loan amount in cash. This is the down payment, required by the lender. The larger the down payment,....

07/01/2025

Welcome to a home brimming with potential and classic appeal! This 2-bedroom residence features a versatile sitting room off the main bedroom, walk-up staircase to a floored attic, a spacious living room, and a country kitchen ready for your personal touch. The full basement with walk-out access off...

06/23/2025

Between applying for a home loan and the close of escrow comes a most crucial step: the home appraisal. Since the transaction that got you to this point is one in which a buyer and seller agreed on a price, the appraisal is more likely than not to match the purchase price. In fluctuating markets how...

06/15/2025

Buying real estate means also buying insurance ― several different types, in fact. Private mortgage insurance (PMI) is sometimes demanded by the lender to ensure the loan is repaid if the borrower defaults. Homeowner's insurance is a necessity to protect the lender's financial interests. Then ther...

06/07/2025

Houses are like the clothes in your children's wardrobe – before you know it, they're too small. Now outgrowing a house doesn't happen as quickly or as often as Junior goes through shoes, but if you're planning a family, that house you live in now will feel awfully tight down the road. This is whe...

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1425 Liberty Road
Eldersburg, MD
21787

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