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:
 
Ranking the Largest Banks by Assets; Warehouse Lending; More on Mandatory vs. Best Efforts; Funding Costs Are Really Cheap
3/15/2010 3:33 PM

Posted To: The Garrett Watts Report

With all the moving and shifting, here are the most recent numbers on the largest banks ranked by assets: A few others you know are: #12 U.S. Bancorp ($265 billion), #17 BB&T ($165 billion), #23 Fifth Third ($110 billion), #33 Comerica ($59 billion), #82 Sterling Financial,...Read More
 
MBS AFTERNOON: Coasting To Uneventful Conclusion
3/15/2010 3:10 PM

Posted To: MBS Commentary

MBS 4.5's unchanged at 100-28 10yr Tsy at 3.703 Stocks Rallying BIG into their close with S&P at 1150, same as last week's ceiling Seems like the S&P rallying from 1143 to 1150 should be more important than it's actually turning out to be for bonds. Without look...Read More
 
Home Builder Confidence Falls. Foul Weather and Distressed Sales Cited as Reason
3/15/2010 2:17 PM

Posted To: MND NewsWire

The National Association of Home Builders released their monthly Housing Market Index today. Derived from a monthly survey that NAHB has been conducting for more than 20 years, the NAHB/Wells Fargo Housing Market Index gauges builder perceptions of current single-family home sales and sales expecta...Read More
 
Loan Mod Conversion Rate Improves in February. True Success Depends on Job Creation
3/15/2010 1:40 PM

Posted To: MND NewsWire

The Making Home Affordable Program (HAMP) , a joint effort by the Departments of the Treasury and Housing and Urban Development to prevent foreclosures, is reporting that 168,708 homeowners have now graduated from the HAMP trial modification program and have active permanent modifications by the en...Read More
 
MBS LUNCH: Slow Day, But Favoring Bonds
3/15/2010 1:35 PM

Posted To: MBS Commentary

4.5's up a tick at 100-29 10yr tsy up .004 in yield to 3.704 General post-retail-sales theme, stocks down, bonds better, waiting on FOMC After starting weaker, MBS are back into the green, but only slightly. Still, looking over the past several days, we're right in the mix,...Read More
 
MBS MORNING: Foreign Demand for TSY Notes and Bonds Still Strong
3/15/2010 10:07 AM

Posted To: MBS Commentary

The Treasury Department this morning released Treasury International Capital data for January 2010. This report tracks flows of investment funds leaving and entering the U.S financial system. Foreign accounts bought a net total of $61.4bn in TSY notes and bonds in January 2010 . Co...Read More
 
FDIC Selling Mortgage Assets of Failed Banks; "Good" Foreclosure Stats; Updates from: Chase, WAMU, USB, Wells, FAMC,SunTrust
3/15/2010 10:04 AM

Posted To: Pipeline Press

As the lyrics from "Green Acres" noted, "New York is where I'd rather stay. I get allergic smelling hay. I just adore a penthouse view. Dah-ling I love you but give me Park Avenue." New York regulators on Friday closed the Park Avenue Bank wit...Read More
 
MBS OPEN: Range Trade with a Chance of Chopatility
3/15/2010 7:22 AM

Posted To: MBS Commentary

Good Morning. An essentially empty econ calendar made it easy for rates traders to price in a pre-auction concession last week. The corresponding effect was higher benchmark yields and steeper yield curve (more expensive funding for TSY too!). However, healthy demand was seen takin...Read More
 
The Week Ahead: FOMC Meeting, Housing Data, Inflation, Industrial Production
3/15/2010 7:01 AM

Posted To: MND NewsWire

Equity markets are mostly lower across the globe Monday, leading US stocks to open sharply lower ahead of a moderately busy schedule. Two hours before the bell sounds, Dow futures are off 30 points to 10,543 and S&P 500 futures are down 4.50 points to 1,142.00. Commodity prices are mixed as WTI...Read More
 
Harmony Of The Trends And The Whole Day Explained In One Chart
3/12/2010 5:47 PM

Posted To: MBS Commentary

(A bit long, but another worthwhile closing post to read... with some not-often-phrased-in-such-a-way explanations. I enjoyed writing it at least. Let me know what you think.) You know the "stock lever?" If not, that's the term we use to describe the common occurrence...Read More




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