THE TIME IS NOW!

YOU'VE HEARD IT EVERYWHERE...NOW BELIEVE IT!

Historically low interest rates, an incredible selection of homes, affordable prices, and an $8000 tax credit all add up to make this market one of the best in history for homebuyers.

Click here for more information:

TIME TO BUY


Tony Ziolkowski, GRI

YOUR Greater Baltimore Area Realtor®

My goal is to provide you with sufficient facts, information, and encouragement to make and follow through with an informed decision and facilitate the transaction to a successful conclusion.

  People don't talk about it a lot. But finding the proper Realtor® in the Greater Baltimore area can be the difference between a happy, stress-free home buying or selling experience, and a disappointing, frustrating situation.



First, you'll want your Baltimore area Realtor® ready and able to make a full-time commitment to you. I can and will do that.

Second, you'll want your Baltimore area Realtor® to have the experience needed to know the local neighborhoods, market conditions, ordinances, etc. As a Baltimore native with years of experience in the Baltimore real estate market - I have the expertise and track record of success you need.

Third, you'll want your Baltimore area Realtor® to embrace the convenience of technology without losing the personal touch. You'll love the resources available on my website and the e-mail alerts that I send, but these will never replace the time I spend with you, serving as your personal guide through this exciting process.

Let's get together and talk about your home buying and/or selling plans. Call me at the office (443-769-1700) or on my cell phone (410-409-2867) or send me an e-mail (tony.z@MyBaltimoreCity.com), we'll set-up a time that is easy and convenient for you to meet.


P.S. If you're not ready to meet in person, please tour through my website. I'm sure you'll find the resources here useful and helpful. Enjoy!                                                                     

     

           

    

  




Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed4.97%5.13%
15-yr Fixed4.33%4.56%
1-yr Adj4.27%5.3%
* national averages



Mortgage Calculator:
Sales Price: $
Down: %
Interest Rate: %
Term: yrs
Monthly payment: $





RSSFeeds:
 
The Day Ahead: Chinese Inflation Drives Domestic Stocks Lower
3/11/2010 7:21 AM

Posted To: MND NewsWire

Speculation that China may have to tighten its economic policy is pulling investor sentiment lower this morning. Amid positive data on industrial production and retail sales, Chinese CPI climbed 2.7% in February, indicating that the central bank may have to take a more serious approach to slow down...Read More
 
MBS CLOSE: What Can Today Tell Us About Tomorrow?
3/10/2010 4:13 PM

Posted To: MBS Commentary

This is always the question right? I mean, after all, we already know what is available on our rate sheets at the moment, but the most valuable question always asks for tomorrow's MBS prices today. Forgetting for a moment that you'll usually LOSE more money thinking that wa...Read More
 
Mortgage Rates Rise Ahead of Treasury Auction. Fail to Recover Afterward
3/10/2010 3:48 PM

Posted To: Mortgage Rate Watch

Much like Monday, yesterday was a data-less day in the marketplace, leaving me at a loss for words and new guidance. Mortgage-backed securities prices did managed to move higher following a very strong 3 year Treasury debt auction, unfortunately MBS price appreciations were not str...Read More
 
MBS AFTERNOON: Mortgages Playing Follow the Leader with Benchmarks
3/10/2010 2:23 PM

Posted To: MBS Commentary

Heading into the 5pm "what a slow day in the mortgage market" marking period... The FN 4.0 is -0-03 at 98-01 yielding 4.189% and the FN 4.5 is flat on the day at 101 the rock yielding 4.39%. The secondary market current coupon is 4.33%. The CC yield is 61bps over the 10yr...Read More
 
FICO: Americans More Likely to Default on Mortgages than Credit Cards
3/10/2010 1:26 PM

Posted To: MND NewsWire

American consumers are now defaulting on their mortgages in even greater numbers than they are walking away from credit card debt. According to FICO's® Score Trends Service, this is a phenomenon that is historically unique. FICO said the mortgage default risk for consumers with high FICO sc...Read More
 
MBS LUNCH: 10 Year Treasury Auction Results and Reactions
3/10/2010 12:08 PM

Posted To: MBS Commentary

10 year auction has impressive demand, but at higher rates. 3.45 Bid To Cover, but 3.735 % high yield with 70.94% of the bids at high yield MBS and Treasuries both slightly better on the announcement 4.5's are now down only 2 ticks on the day at 100-29 and 10yr yields are back ...Read More
 
Loan Demand Stagnates. Only One Bright Spot in the Production Slowdown
3/10/2010 11:09 AM

Posted To: MND NewsWire

The Mortgage Bankers Association (MBA) today released its Weekly Mortgage Applications Survey for the week ending March 5, 2010. The survey covers over 50 percent of all US residential mortgage loan applications taken by mortgage bankers, commercial banks, and thrifts. The data gives economists a l...Read More
 
MBS MORNING: Losing Ground As Benchmarks Back Up
3/10/2010 11:05 AM

Posted To: MBS Commentary

4.5 MBS down 6 ticks to 100-26 10yr Tsy about 5bps higher at 3.743 (vs. 5pm yesterday) Wholesale Trade Improves from -.8% to -.2%, but misses expectation of +.2%, no one cares Pre-Auction Concession + range dynamics weigh on 10's, MBS follow The movements in bonds this AM tells...Read More
 
Underwriters: Loan Quality Still in Need of Improvement; Interesting FICO Score Data; Will the Fed sell their MBS Holdings?
3/10/2010 10:22 AM

Posted To: Pipeline Press

At the last company Christmas party, loan agents lined up on one side of the room and the underwriters on the other side. The loan agents throw fire cracker at the underwriters...and the underwriters lit them and threw them back. A long-time underwriter wrote to me a...Read More
 
MBS OPEN: Rates Ticking Higher Just Because They Can
3/10/2010 7:40 AM

Posted To: MBS Commentary

Good Morning. I've had some great coaches in my lifetime...none better than my high school/juniors hockey skipper. Many of the messages he bestowed upon me have carried over from the locker room into my professional life. One of my favorites is the K.I.S.S principle. KEEP IT SI...Read More




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Tony Ziolkowski Prudential Carruthers Realtors 2400 Boston Street Suite A103 Baltimore, MD 21224
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