TIME IS RUNNING OUT!

IF YOU'RE LOOKING TO BUY A HOME, NOW IS THE TIME!! 

Historically low interest rates, an incredible selection of homes, affordable prices, and an $8000 tax credit ($6500 for "move up" buyers) all add up to make this market one of the best in history for homebuyers.

CONTACT ME FOR MORE INFORMATION


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 Fixed4.95%5.11%
15-yr Fixed4.32%4.55%
1-yr Adj4.22%5.24%
* national averages



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





RSSFeeds:
 
Discussing the Attributes of Successful Mortgage Operation Leadership
3/18/2010 11:06 AM

Posted To: The Garrett Watts Report

My partners and I have visited many mortgage companies over the past year. We perform our FOCIS audit for warehouse lenders looking to identify hidden risks and potential “tapebombs” that may result in unexpected losses. We also perform FOCIS-plus studies for manage...Read More
 
ALERT: Treasury Supply Announced. Benchmark Rates Rise. MBS Prices Fall Fast
3/18/2010 10:00 AM

Posted To: MBS Commentary

Treasury has announced the terms of next week's government fundraiser. As expected, supply sizes were all unchanged from the previous auctions. A total of $118 billion in TSY notes will be sold. Here is the schedule: Tuesday: $44 billion 2 year notes Wednesday: $42 billion 5 ye...Read More
 
Fannie Mae Cuts Home Sales Forecast. Reduces Origination Outlook Again
3/18/2010 9:55 AM

Posted To: MND NewsWire

While investment in residential real estate still looks relatively strong for 2010 compared to 2009, the results in the first quarter have been less robust than expected according to Fannie Mae's Economics and Mortgage Market Analysis for March. The research piece opens with the following state...Read More
 
The Cost of Labor in the Mortgage Market; FHA Origination Down 10% in January; Wells to Modify 2nd Liens; Condo Questions
3/18/2010 9:20 AM

Posted To: Pipeline Press

Whether it is a house, a bushel of wheat, or a share of stock---when a buyer and seller come together an item trades hands. A lower price will always benefit the buyer. Is that the case in the labor market, where buyers (employers) and sellers (employees) come togeth...Read More
 
Consumer Level Inflation Tame in February. Emergency Jobless Benefits Hit Record High
3/18/2010 7:42 AM

Posted To: MBS Commentary

Good Morning. Inflation data has hit screens. The Consumer Price Index was UNCHANGED in February (+0.0018)...this is cooler than consensus forecasts which called for a 0.1% gain. The CORE CPI print, which strips out food and energy, rose 0.1% in February---on the screws. Year over ...Read More
 
The Day Ahead: Data Deluge Hits Cautious Markets
3/18/2010 7:19 AM

Posted To: MND NewsWire

The day ahead offers several fresh data points and a range of speakers from the Federal Reserve. Traders are being cautious as equity prices are slightly down after earlier gains in the week. 90 minutes before the opening bell, Dow futures are up 9 points to 10,663 and S&P 500 futures are flat ...Read More
 
Looking At Longer Term Charts For Perspective
3/17/2010 4:37 PM

Posted To: MBS Commentary

When faced with a lock float decision with decent arguments for either course of action, I like to look at longer term charts to get a sense of where I'm at vs. where I was or could be. Doing so at the current time leaves me with a pretty simple conclusion. Without trying to pr...Read More
 
At The Highs Of The Day Heading Into Close
3/17/2010 2:51 PM

Posted To: MBS Commentary

Today is much flatter compared to yesterday But 4.5's are still up 5 ticks and we're at highs again near end of day 10yr tsy lower by around 1 bp to 3.64 No data on Friday, but tons to consider tomorrow Waiting for reprices for the better, then consider locking First thing&...Read More
 
Mortgage Rates Move Lower. Most Aggressive Lender Pricing Seen in Weeks
3/17/2010 2:24 PM

Posted To: Mortgage Rate Watch

Mortgage rates rallied lower yesterday after the Federal Reserve reiterated they intend to keep the Fed Funds rate at at exceptionally low levels for an “extended period”. The Fed also held steady in their belief that inflation is not posing a threat to economic stabili...Read More
 
Current Coupon MBS Move Sideways at Resistance as Stocks Keep Rallying
3/17/2010 11:48 AM

Posted To: MBS Commentary

The dollar is weaker, oil prices are higher, and stocks are rallying---STILL. The S&P is trading at a new "recovery rally" index high print. Rates traders are ignoring the stock lever---for now at least. Since the auction cycle ended last Thursday, the 10 yr note has ...Read More




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