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Charles Kraus
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The Bay Homes Annapolis, MD Real Estate Blog

English - Annapolis, Maryland, Real Estate
http://thebayhomes.wordpress.com/
The Bay Homes · 5d ago

Pre-approval Gives Everyone Confidence

The benefits of buyer’s pre-approval are without question; it is good for the buyers, the sellers and the agents. It saves time, money and removes the uncertainty of knowing whether the buyer is qualified. The direct benefits include: Amount the buyer can borrow decreases as interest rates rise Look
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The Bay Homes · 1W ago

Just a Thought

Whether you’re refinancing your current home or buying a new one, something worth considering is a 15 year loan rather than a 30 year term. The payments will be a little higher but you’ll get a lower interest rate and you’ll build equity much faster. Let’s look at an example of a $200,000 mortgage w
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The Bay Homes · 2W ago

Tax Assessment

"Anyone may arrange his affairs so that his taxes shall be as low as possible…for nobody owes any public duty to pay more than the law demands." - Judge Learned Hand This opinion refers to federal income tax but the logic and spirit can easily be applied to any tax including property tax. Most prope
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The Bay Homes · 3W ago

Tax-Free Income

Some residents of Augusta, Georgia have purchased tickets to the Master’s for years but have never attended the famous golf tournament. It’s because they include the tickets as a bonus to the people who rent their home during the event. Each year, owners rent their home for a big premium during the
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The Bay Homes · 4W ago

Save Money…be comfortable

Automatic thermostats can lower your monthly utility costs while conveniently regulating your comfort by adjusting temperatures on your heating and cooling systems. These can be particularly effective in homes with zoned systems where you live in one area during the day but sleep in a different zone
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The Bay Homes · 1M ago

Have You Backed Up Your Home?

Personal computers have been around long enough that everyone has experienced or knows someone who has lost their data due to a hard drive crash, accident or burglary. If they had a backup, the loss was inconvenient but not critical. Do you have a backup for your personal belongings? Not that you ne
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The Bay Homes · 1M ago

Don’t Miss the Recall

Occasionally, you hear about an important recall on a product you have and you take care of it immediately. However, if you were to miss such a notice, it could put you or your family in jeopardy. You can subscribe to the U.S. government’s service to notify the public when recalls are made on vehicl
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The Bay Homes · 1M ago

New Court Ruling on Mortgage Interest Deduction

A recent U.S. Tax Court ruling clarified the IRS position that the $1.1 million limit for mortgage interest deduction applies per residence and not per taxpayer as some high-priced homeowners were hoping. A married homeowner filing jointly can have fully deductible interest on a mortgage of up to $1
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The Bay Homes · 1M ago

Before You Call the Repairman

Have you ever had a service company to your home to repair something and find out that it really wasn’t “broken”? It probably conjured up ambivalent feelings of joy that it wasn’t something serious and frustration that you had to pay a service call for something so simple. Before you call the repair
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The Bay Homes · 3M ago

Shopping for and Selling Homes Online

In today’s real estate market more people use the internet to shop for homes and in turn sellers have embraced the medium as the primary vehicle for advertising their homes. Buyers like to see lots of photos, which as we all know tell a thousand words. Better still, high definition video can bring t
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