Nicole Spaid - BHHS PenFed Realty

09/08/2026

It is a gorgeous night for some O's baseball!

09/04/2026

Sold above list price!
​Huge congratulations to my amazing sellers on the sale of their home. Real estate journeys aren't always smooth sailing—this process had its fair share of tough decisions and difficult moments. But thanks to their complete trust, patience, and teamwork, we navigated every obstacle together and achieved an incredible result.

​To my clients: thank you for trusting me to guide you through it all. It was an honor to advocate for you!

​Are you thinking about making a move? Let’s chat about how we can get top dollar for your home, no matter what the market throws our way.
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09/03/2026

These small tweaks can help you keep a cleaner home all week long.

08/27/2026

Improving your credit can feel like a slow burn, and it is. However, everything starts with your credit score and it is important to take the time to nurture that number.

Improving your credit can take time, often many months. But there are some things you can do to rais...

08/22/2026

Advice from your real estate bestie:
When hiking with your boyfriend (husband), make sure to let him lead. This way he walks into all the spider webs and clears it out for you!!!

08/21/2026

🚨 BIG TAX NEWS FOR HOMEOWNERS & BUYERS! 🏡💰

​If you're paying mortgage insurance or planning to buy a home with less than 20% down, here is a major update that could put money back in your pocket!
​Starting in tax year 2026 and moving forward, qualifying mortgage insurance and government-backed loan fees are officially tax-deductible again! ✍️✨

​Here is what qualifies:
🔹 Private Mortgage Insurance (PMI) (Conventional loans)
🔹 FHA Mortgage Insurance Premiums (MIP) (Upfront & monthly)
🔹 VA Funding Fees
🔹 USDA Guarantee Fees

​📌 A few quick takeaways to keep in mind:
• It applies to taxpayers who itemize deductions on Schedule A.
• It falls under the qualified residence interest rules (standard mortgage debt limits apply).
• Applies to qualifying payments made in 2026 and beyond!

​💡 Buying or refinancing? Keep track of your closing statements and year-end Form 1098 from your lender.
​Have questions about navigating today’s market or looking to make a move this year? Reach out anytime—I’m always here to help you make informed decisions! 📲📩

​(Note: Always consult a licensed CPA or tax professional regarding your specific tax situation.)

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08/20/2026

Closing a credit card account can hurt your credit score, but there are other options if you no longer use it.

Canceling a credit card that you rarely use or have paid off can feel good. It can give you a sense ...

08/13/2026

This week some of our agents had the opportunity to volunteer with the Frederick Housing and Human Services Community Table.

The Community Table Program provides dinner, seven nights a week, 365 days a year to those in need.
Click the link here for more information on how you too can get involved!
https://hhs.cityoffrederickmd.gov/133/Frederick-Community-Table

08/13/2026

Do you usually skip the fine print on credit card offers? Here's why that's a bad idea.

The fine print at the end of a credit card offer letter can tell a consumer a lot more about how goo...

08/12/2026

Buying a home isn't just a financial transaction—it’s where your life happens. My goal is never about a quick fee or closing a transaction as fast as possible; my priority is always to protect my clients, guide them through the stress, and help them find a home they truly love.
Whether it takes three weeks or nine months to find your "unicorn" home, I am in your corner for as long as it takes.
Thank you so much to my wonderful clients for trusting me with your journey! 🏡❤️