Amanda Wolinski - Maryland Realtor

05/14/2026

🍹🐎 Preakness Prep!!

This classic cocktail is a beloved Preakness tradition, perfect for getting into the spirit for the Preakness Weekend! Cheers!

05/02/2026

HOW A MORTGAGE ACTUALLY WORKS

Most people think:
“I pay my mortgage every month, so I’m paying off my house.”

Not really.

At the beginning, you are mostly paying the bank, not your house.

Here is how it actually works.

You borrow money, let’s say $300,000 at 6.5%, and the bank charges interest on what you still owe every single month.

So your payment gets split: part goes to interest, part goes to principal.

Early on, almost all interest.

Example, first payment: about $1,896 total. Roughly $1,625 goes to interest and only $271 goes to your loan balance.

So after your first payment, you still owe about $299,729. You barely touched it.

Why? Because interest is calculated on the full balance every month.

Now here is the part people miss.

Interest keeps stacking every month on whatever balance is left, so if your balance stays high, you keep paying high interest for years.

Over time, it slowly flips. Later in the loan, more of your payment goes to principal and less goes to interest, but that takes years.

That is why a 30 year mortgage costs so much. On that $300,000 loan, you will pay roughly $382,000 in interest, more than the house itself.

So what changes everything?

Principal.

Every extra dollar you put toward principal immediately lowers your balance, which means less interest next month, which means more of your payment goes to principal, which speeds everything up.

This is how people cut years off their mortgage.

Now here is the simple way to think about it.

The bank makes money by keeping your balance high, and you save money by lowering it faster. That is the entire game.

So the real question is:

Are you slowly paying the bank for 30 years? Or are you actively reducing your balance as fast as possible?

Now here is something most people do not realize.

You can ask your lender to apply extra money directly to principal only.

That means anything extra you pay is not going toward interest, it is going straight to reducing your loan balance.

Even if you can only start with $25 or $50 a month and build up over time, it has a huge impact over the life of the loan.

Now look at what just $100 a month does.

Same example:
$300,000 loan
6.5% interest
30 year mortgage

Add $100 extra to principal each month:

You cut about 5 years off your loan.

And you save roughly $70,000+ in interest over the life of the loan.

All from $100 a month.

That is the power of principal.

Now do this.

Go online to your mortgage account or call your mortgage company.

Tell them you want to add an extra $100 a month.

And say it clearly:

Apply it to principal.

That wording matters.

After a while, you will not even miss that $100.

Then increase it to $150.

Then more if you can.

Small increases over time.

Massive impact later.

This is one of the simplest moves you can make

that will change your financial life long term.

04/30/2026

04/30/2026

📍2708 Sixth St. Millers Island, MD 21219

🔥 Ultra-Luxury Waterfront New Construction on Miller’s Island

Offered at $1,690,000

• 🌊 4,000+ sq ft | 4 levels | 4 🛏 | 3.5 🛁
• 🌅 Panoramic views of the Chesapeake Bay
• 🏡 11’ ceilings, 9’ doors, and premium finishes throughout
• 🧱 Durable Hardie Plank exterior
• ❄️ Dual-zone HVAC + spray foam insulation + Marvin window package
•Modern Flames fireplace
•2 wet bars
•⬆️ Elevator

Chef’s Kitchen 🍽️
• Custom cabinetry + statement hood
• 36” induction cooktop + commercial-grade appliances
• Oversized quartz island + full-height quartz backsplash

Luxury Living & Entertainment 🎬
• Private en suite theater w/ Dolby 5.1 surround sound and drop down movie screen
• Pre-wired sound throughout
• Loft w/ wet bar + deck access

Primary Suite Retreat 🛌
• Private movie screen 🎥
• Dual walk-in closets
• Spa bath w/ radiant floors + frameless glass shower

Outdoor Showstopper 🌅
• Rooftop deck + hot tub
• 360° water views of the bay
• New pier & floating dock

Extras 🔑
• EV charger⚡
• Security system 📹
• Smart-home ready

✨ One-of-a-kind waterfront masterpiece blending modern luxury with coastal living.

More info: 👇🏻

https://www.realtor.com/realestateandhomes-detail/2708-6th-St_Sparrows-Point_MD_21219_M55710-13968?cid=soc_shares_fs_ldp_Pri

🤳🏻Call me for a private showing!

Amanda Wolinski
(443) 528-6291
Cummings & Co.

04/30/2026

📍2708 Sixth St. Millers Island, MD 21219

🔥 Ultra-Luxury Waterfront New Construction on Miller’s Island

Offered at $1,499,900

• 🌊 4,000+ sq ft | 4 levels | 4 🛏 | 3.5 🛁
• 🌅 Panoramic views of the Chesapeake Bay
• 🏡 11’ ceilings, 9’ doors, and premium finishes throughout
• 🧱 Durable Hardie Plank exterior
• ❄️ Dual-zone HVAC + spray foam insulation + Marvin window package
•Modern Flames fireplace
•2 wet bars
•⬆️ Elevator

Chef’s Kitchen 🍽️
• Custom cabinetry + statement hood
• 36” induction cooktop + commercial-grade appliances
• Oversized quartz island + full-height quartz backsplash

Luxury Living & Entertainment 🎬
• Private en suite theater w/ Dolby 5.1 surround sound and drop down movie screen
• Pre-wired sound throughout
• Loft w/ wet bar + deck access

Primary Suite Retreat 🛌
• Private movie screen 🎥
• Dual walk-in closets
• Spa bath w/ radiant floors + frameless glass shower

Outdoor Showstopper 🌅
• Rooftop deck + hot tub
• 360° water views of the bay
• New pier & floating dock

Extras 🔑
• EV charger⚡
• Security system 📹
• Smart-home ready

✨ One-of-a-kind waterfront masterpiece blending modern luxury with coastal living.

More info: 👇🏻

https://www.realtor.com/realestateandhomes-detail/2708-6th-St_Sparrows-Point_MD_21219_M55710-13968?cid=soc_shares_fs_ldp_Pri

🤳🏻Call me for a private showing!

Amanda Wolinski
(443) 528-6291
Cummings & Co.

04/30/2026

PRICE IMPROVEMENT! $374,900

✨ PRICE IMPROVEMENT in Constant Friendship! ✨

📍3318 Midland Ct. Abingdon, MD 21009

Offered at $374,900

🏡 Rare loft-style 3BR | 2.5BA brick townhome
📐 Over 1,600 sq ft – fully updated in 2026

🔥 Major upgrades:
✔️ Brand NEW roof, HVAC, hot water heater & deck
✔️ Fully renovated eat-in kitchen w/ stainless steel appliances
✔️ Updated bathrooms throughout

🛌 Primary suite retreat
✨ Loft area + cozy wood-burning fireplace
🛁 Ensuite full tile bath

🌿 Indoor + outdoor living
🌞 Walkout basement w/ natural light
🍔 New deck + patio – perfect for entertaining

📍 Minutes to I-95, shopping & dining

💫 Move-in ready and packed with style—this one won’t last!

https://www.realtor.com/realestateandhomes-detail/3318-Midland-Ct_Abingdon_MD_21009_M58872-61468?cid=soc_shares_fs_ldp_Pri

🤳🏻Call Amanda Wolinski - Maryland Realtor for a private showing!

Amanda Wolinski
(443) 528-6291
Cummings & Co.

04/24/2026

Exclusive: On Florida’s Key Biscayne, a waterfront property with a helipad is listing for $237 million. The property was once part of a compound President Richard Nixon used as his “Winter White House,” and was also featured in the movie “Scarface.”

🔗: https://on.wsj.com/4sLJ00H

04/19/2026

04/19/2026

1950s Baltimore and surrounding areas saw a surge of post war era rowhomes. Modern and affordable for families at the time. These homes went up at record speeds to meet the demands for housing, some of them completed in only a matter of days!

When $1,750 Bought a Brand-New Highlandtown Home. Equivalent to approximately 53k today
There was a time when the dream of owning a brand-new brick home in Highlandtown was being advertised right in the newspaper. This old-style ad captures that moment perfectly — when East Baltimore was still growing, families were putting down roots, and a rowhouse meant security, pride, and a future.
For $1,750, buyers were promised a modern 6-room brick home with features like bath and gas, the kind of conveniences that mattered to working families trying to move up in the world. These were the homes that helped build Highlandtown — practical, sturdy, respectable houses for people who worked hard and wanted something of their own. The line “easy terms like rent” says everything. The pitch was simple: instead of paying a landlord, why not own your own place?
That is how Highlandtown grew. Block by block, porch by porch, these houses became the backbone of a neighborhood filled with families, traditions, churches, corner stores, and the rhythms of everyday Baltimore life. They were not grand homes for the wealthy. They were homes for real people — and that is exactly what made them important.
Looking at an ad like this now, it feels almost unreal. But back then, this was the American dream in brick form, sitting just off the street behind a short marble step and a front door full of hope.

11/02/2025

🤩PRICE IMPROVEMENT!!

Now offered at $499,999!

https://cummingsrealtors.com/listing/bright/MDBC2141042/SPARROWS-POINT/2806-BAY-DRIVE/