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 Fixed5.01%5.17%
15-yr Fixed4.4%4.63%
1-yr Adj4.22%5.24%
* national averages



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





RSSFeeds:
 
MBS CLOSE: Uneventful End To Uneventful Day
2/8/2010 4:15 PM

Posted To: MBS Commentary

Though MBS were not quite as thinly traded as treasuries (lowest volume since the first trading day of 2010), the picture wasn't much better. At least that which is at risk on low volume days--volatility due to the trading that actually happens comprising a larger portion of th...Read More
 
Housing Needs Job Creation. What Sort of Jobs Though?
2/8/2010 4:03 PM

Posted To: Voice of Housing

Mr. O’Reilly (December 01, 2009) claims that the “new” root cause of the housing crisis is the (lack of) “jobs, jobs, jobs.” So the solution to the crisis must be (the creation of) “jobs, jobs, jobs.” I agree. But the next...Read More
 
Centralized Lock Desks Serve as a Gate Keeper. Source of Revenue
2/8/2010 2:54 PM

Posted To: The Garrett Watts Report

This was the half time scene in Miami last night at Super Bowl XLIV... I am sure many watchers were thinking: Why The Who? Maybe some of us in our 60s and 70s need to be “put out to pasture” or start “whittling wood” on the front porch. However, as a boo...Read More
 
MBS AFTERNOON: Narrow And Stable Heading Into The Close
2/8/2010 2:32 PM

Posted To: MBS Commentary

The market is duller than a Colts victory parade at the moment. We're dealing with a fairly standard issue "calm before the storm" that we often see on a data-limited Monday when the rest of the week contains the more significant events. The supportive trends we began...Read More
 
MBS LUNCH: Well Off Friday's Highs, But Holding Ground
2/8/2010 1:06 PM

Posted To: MBS Commentary

As AQ pointed out this morning, today's slightly downward trend in MBS price began in the final hours of Friday's trading. Both MBS and Treasuries put in their best marks of the day just before 2pm, and have moved steadily downward ever since. You may notice, however, that ...Read More
 
Short Term Direction of Mortgage Rates Dependent Upon Auctions and Stocks
2/8/2010 12:43 PM

Posted To: Mortgage Rate Watch

Who Dat!!!! Congratulations to New Orleans on a well played and exciting Super Bowl victory. Mortgage rate moved a few basis points lower on Friday following the Employment Situation Report . While we have seen scattered day over day streaks of improvements, mortgages rates have fa...Read More
 
MBS MORNING: Testing the Staying Power of Friday's FTQ Rally
2/8/2010 10:38 AM

Posted To: MBS Commentary

DID I MENTION THUNDER SNOW ! By the look of the charts, it doesnt appear that we should be expecting any noticeable improvements in positive price momentum today. We are extending the downtrend that began midday Friday. The FN 4.0 is -0-08 at 98-08 yielding 4.169% and the FN 4.5 is...Read More
 
MBA Takes Loss on Headquarters; CRA Loans; HAMP Servicer Updates; Prepay Speeds; Updates: GMAC, FAMC
2/8/2010 9:11 AM

Posted To: Pipeline Press

I thought about taking today off from the commentary to celebrate, since yesterday I won all 4 quarters of my office's Super Bowl pool! And then I remembered that I was the only one in the pool, don't really have an office, and that the net effect of my $50 a...Read More
 
MBS OPEN: Sideways Start. Searching for Guidance
2/8/2010 7:56 AM

Posted To: MBS Commentary

Good Morning. Congrats to the Saints. Here is a recap of my weekend.... We had a blizzard...32 inches of THUNDER SNOW . The driveway was defeated with snowblowers. This is only the first half of the driveway by the way.... The CAPS came from behind to beat the pens. Ovie had a tric...Read More
 
The Week Ahead: Treasury Auctions, Retail Sales, The Fed's Exit, Consumer Sentiment
2/8/2010 7:49 AM

Posted To: MND NewsWire

The week ahead is a particularly slow one. The only major releases are the Trade Balance on Wednesday and Retail Sales report on Thursday. Plus, Friday will see February’s first measure of consumer confidence. With little fresh data to anticipate, the fear is that markets will continue on the...Read More




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