Results You Can Count On,
Experience You Can Trust

Buying and Selling Real Estate For Over 10 Years
Providing a Superior Level of Informed, Personal & Professional Real Estate Services to Include Residential, Commercial and Rental property. Serving Montgomery County to include Gaithersburg, Germantown, Damascus, Rockville, Silver Spring, Derwood, North Potomac and Bethesda. Frederick County to include Urbana, Adamstown, Monrovia, New Market, Ijamsville, and surrounding areas.

I hope that you enjoy exploring my multi-functional web site. You will find a wide variety of useful information and resources designed to help you buy or sell a home more effectively. From information on the local community, to my recommended Service Providers to Mortgage Information to preparing your home to sell, it's all available here! Find your ideal home by viewing current listings with detailed descriptions and photos. You can also get help determining the value of your home by requesting a report that includes the prices of similar homes that recently sold or currently for sale in your specific area. I am available to assist you with your buying and selling needs; or if you just have a question about the current market.


LET KAREN HELP STOP YOU FROM FORECLOSURE


Are you facing a financial hardship? I believe that a Short Sale is the last option that a homeowner has before foreclosure.
Preserving homeownership & homeowner equity is always the first priority.

Karen is a licensed Maryland REALTOR® and foreclosure prevention expert who has been certified through a national program called the Distressed Property Institute. She has earned the Certified Distressed Property Expert (CDPE) designation, having completed extensive training in foreclosure avoidance and short sales. This is an invaluable expertise to offer at a time when the area is ravaged by "distressed" homes in the foreclosure process. Karen is an advocate for the distressed property owner, and knows how to help you avoid foreclosure. She understands your options, the urgency, the opportunities and most importantly, the process. She is a knowledgeable professional who continues to help homeowners find the best solutions to their financial crisis.

CURRENT AFFAIRS

FHA To Toughen Down Payment Rules ~ 01/20/2010

The Federal Housing Administration will raise the minimum down payment for its least credit-worthy borrowers, agency announced Tuesday.

Borrowers with credit-rating scores below 580 will be required to put down at least 10 percent. Those with a credit score above 580 will be able to continue to put down only 3.5 percent. The changes are intended to shore up the agency's finances.

The FHA also will increase its upfront mortgage insurance premium from 1.75 percent to 2.25 percent. The agency is expected to seek congressional approval to raise annual mortgage insurance premiums, paid by borrowers over the life of the loan, above the current 0.55 percent maximum. The amount it will seek has yet been announced.

2009-2010 Homebuyer Tax Credit Highlights

First Time Buyer Credit $8,000.00 ($4,000.00 Married Filing Separate)

Move-Up Buyer $6,500.00 ($3,250.00 Married Filing Separate)

Binding Contract Rule: Must have a written binding contract (ratified contract) to purchase no later than April 30,2010-with settlement to occur by July 1,2010.

Please verify these rules and remaining criteria to see if you qualify for the tax credit by visiting www.irs.gov and reviewing the Homebuyer Tax Credit Changes so you will be well informed!



BUYERS!
Whether you're looking for your first home, your dream home or an investment property, I'm committed to providing you with the highest quality buyer service. When making the type of investment that buying a home requires, you deserve to have all the latest market information and the very best advice, both of which I can provide you with.

• Automatically receive personalized MLS property and home search listings by e-mail. Click Search for Homes and find property that match your criteria. You will be automatically notified via e-mail with the latest listing information.

As a licensed Full-Time Realtor with over ten years of experience, Karen Mackey offers expert advice, guidance and knowledge of properties located in the Montgomery County, Frederick County Areas. Call Karen for her advice and expertise on todays Real Estate market.

In-depth school information, and printable reports on Maryland Area Public and Private Schools; www.eschoolprofile.com

For a step by step guide on the Home Buying process to include [Mortgage Information], choosing a Realtor, Home Inspections, and Preparing an Offer. Keep current with today's Real Estate News.

SELLERS!
The decision to sell a home is often dependent on many factors. Whatever your reasons are for selling, my proven effective marketing strategies will ensure that you get the highest possible price for your home.

• Would you like more than a sign and newspaper marketing?


• Would you like a tour of your home on your own personal domain?

I guarantee to provide you with professional, ethical and confidential service and keep you fully informed every step of the way.

• Get Free Reports, helpful tips and answers to frequently asked questions prior to Selling your home, and you will be well prepared!


• If you're planning to sell your home in Montgomery County, or Frederick County,Maryland; don't list your house without speaking to Karen about her marketing plan first! You will be glad you did!


• Do you ask yourself what is My Home Value? You can request your FREE Market Analysis here.

"Working By Referral"

I have committed myself to provide my Customer's with the highest level of service possible. My pledge is to meet all of your Real Estate needs...and then some... and build "lifetime clients." My business is built on referrals! I focus 100% of my energy on my Customers and in turn I hope to earn referral's to your friends, family and co-workers. Read testimonials to hear what Karen's past clients have to say about her.

To provide a Superior Level of Informed, Personal and Professional Real Estate Services based on Ethics, Values and Client Care.

To be the best I can be and to help others make decisions that will add to the quality of their life;and to never stop improving.

To remain open and abreast of the ever-changing real estate market and be creative enough to think "outside of the box" to get the job done.

You can count on Karen to Provide...

Up-to-the minute information!

• Anyone who has ever surfed the web knows plenty of information is out of date. I am at the center of it all and know the very latest events in the market.

• Detailed market knowledge! Keeping current on the real estate market by attending courses through-out the year. Karen has completed an additional 92 hours of course study to earn her GRI designation and adds to her qualifications as the right Realtor to get the job done!

Negotiation skills!

• When Buyers and Sellers intentions get serious, the only thing that closes the deal is competent negotiation.


• It's what I do...It's what you signed up for... And it's what I am GOOD at!


• Selling real estate comes down to how well you overcome objections.



ERA PRO REALTY


• Convenient Frederick County and Montgomery County Locations


• Over
75+ Sales Associates

• 2002
Recipient of the Jim Jackson Memorial Award for Customer Satisfaction

• 2003, 2004, 2005, 2006, 2007, 2008, 2009
Top 100 Company for Outstanding Company Performance

ERA Real Estate has been in the business of fulfilling the dream of homeownership since 1972 as Electronic Realty Associates. Today, it is one of the world's leading residential franchise brokerage networks, with more than 28,000 brokers and sales associates.