Luxury Distressed Property Expert

lo.mlhl.com/robertoconnell

Contact:

Brian Nowakowski

Mortgage Consultant

MetLife Home Loans

Office: (410) 828-5200 x 20

Mobile: (410) 913-5347

lo.mlhl.com/bnowakowski

*Interest Rate and Annual Percentage Rate (APR) effective as of date of open house and subject to change at any time without notice. The advertised rates are based on the average rates for our best qualified customers. Your individual rates may vary. Balances and payments are for principal and interest only. Property taxes, homeowner’s insurance and mortgage insurance are not included. Home Equity line of credit products are not available in AK. All loans are subject to approval. Certain restrictions may apply, ask for details. The advertised APR for Adjustable Rate Mortgages (ARMs) may be increased or decreased after consummation. Rate adjustments and payment caps may result in negative amortization. Other mortgage financing products available. MetLife Home Loans and the company mentined above are not affiliated. Balances and payments are for principal and interest only. Property taxes, homeowner’s insurance and mortgage insurance not included. Annual Percentage Rate subject to increase or decrease. Rate adjustments and payment caps may result in negative amortization. Home equity line of credit products not available in AK. All loans subject to approval. Certain restrictions may apply. Mortgage financing provided by MetLife Home Loans, a division of MetLife Bank, N.A. Member FDIC. Equal Housing Lender. ©2008 METLIFE, INC. L0808996 [exp 0809] [All States] [DC]

MetLife Home Loans

Pier Homes at Harbor View

$556,000 sales price and below with 25% down

Custom tailored financing to fit your needs!

All rates are subject to change on a more frequent than daily basis.

Estimates do not include HOA dues or Required Contents insurance costs.

Property taxes are based on 100% of the Baltimore City tax rate of $2.38/100 of the sales price.

30 YR FIXED CONFORMING CONVENTIONAL
Term	30
*Interest Rate	4.5%
Discount Points	0
Origination Fee	1 point
Downpayment	$139,000
Total Monthly Payment	$3,216
Loan Amount	$417,000
Cash to Close	$167,070

30 YR FIXED CONFORMING CONVENTIONAL
Term	30
*Interest Rate	4.75%
Discount Points	0
Origination Fee	0
Downpayment	$139,000
Total Monthly Payment	$3,278
Loan Amount	$417,000
Cash to Close	$162,943

15 YR FIXED CONFORMING CONVENTIONAL
Term	15
*Interest Rate	3.875%
Discount Points	0
Origination Fee	1 point
Downpayment	$139,000
Total Monthly Payment	$4,161
Loan Amount	$417,000
Cash to Close	$166,963

15 YR FIXED CONFORMING CONVENTIONAL
Term	15
*Interest Rate	4.125%
Discount Points	0
Origination Fee	0
Downpayment	$139,000
Total Monthly Payment	$4,214
Loan Amount	$417,000
Cash to Close	$162,836

Contact:

Robert D. O’Connell, Jr.

Mortgage Consultant

MetLife Home Loans

Office: (410) 828-5200 x 20

Mobile: (443) 829-0300

lo.mlhl.com/robertoconnell

Contact:

Brian Nowakowski

Mortgage Consultant

MetLife Home Loans

Office: (410) 828-5200 x 20

Mobile: (410) 913-5347

lo.mlhl.com/bnowakowski

MetLife Home Loans

Pier Homes at Harbor View

$700,000 sales price and below with 20% down

Custom tailored financing to fit your needs!

All rates are subject to change on a more frequent than daily basis.

Estimates do not include HOA dues or Required Contents insurance costs.

Property taxes are based on 100% of the Baltimore City tax rate of $2.38/100 of the sales price.

30 YR FIXED CONFORMING PLUS
Term	30
*Interest Rate	4.75%
Discount Points	0
Origination Fee	1 point
Downpayment	$140,000
Total Monthly Payment	$4,310
Loan Amount	$560,000
Cash to Close	$175,200

30 YR FIXED CONFORMING PLUS
Term	30
*Interest Rate	4.99%
Discount Points	0
Origination Fee	0
Downpayment	$140,000
Total Monthly Payment	$4,391
Loan Amount	$560,000
Cash to Close	$169,656

15 YR FIXED CONFORMING PLUS
Term	15
*Interest Rate	4%
Discount Points	0
Origination Fee	1 point
Downpayment	$140,000
Total Monthly Payment	$5,531
Loan Amount	$560,000
Cash to Close	$175,028

15 YR FIXED CONFORMING PLUS
Term	15
*Interest Rate	4.25%
Discount Points	0
Origination Fee	0
Downpayment	$140,000
Total Monthly Payment	$5,601
Loan Amount	$560,000
Cash to Close	$169,485

Contact:

Robert D. O’Connell, Jr.

Mortgage Consultant

MetLife Home Loans

Office: (410) 828-5200 x 20

Mobile: (443) 829-0300

lo.mlhl.com/robertoconnell

Contact:

Brian Nowakowski

Mortgage Consultant

MetLife Home Loans

Office: (410) 828-5200 x 20

Mobile: (410) 913-5347

lo.mlhl.com/bnowakowski

MetLife Home Loans

Pier Homes at Harbor View

$746,666 sales price and below with 25% down

Custom tailored financing to fit your needs!

All rates are subject to change on a more frequent than daily basis.

Estimates do not include HOA dues or Required Contents insurance costs.

Property taxes are based on 100% of the Baltimore City tax rate of $2.38/100 of the sales price.

30 YR FIXED CONFORMING PLUS
Term	30
*Interest Rate	4.625%
Discount Points	0
Origination Fee	1 point
Downpayment	$186,667
Total Monthly Payment	$4,360
Loan Amount	$560,000
Cash to Close	$217,982

30 YR FIXED CONFORMING PLUS
Term	30
*Interest Rate	4.875%
Discount Points	0
Origination Fee	0
Downpayment	$186,667
Total Monthly Payment	$4,445
Loan Amount	$560,000
Cash to Close	$218,039

15 YR FIXED CONFORMING PLUS
Term	15
*Interest Rate	4%
Discount Points	0
Origination Fee	1 point
Downpayment	$186,667
Total Monthly Payment	$5,623
Loan Amount	$560,000
Cash to Close	$223,438

15 YR FIXED CONFORMING PLUS
Term	15
*Interest Rate	4.25%
Discount Points	0
Origination Fee	0
Downpayment	$186,667
Total Monthly Payment	$5,694
Loan Amount	$560,000
Cash to Close	$217,895

Contact:

Robert D. O’Connell, Jr.

Mortgage Consultant

MetLife Home Loans

Office: (410) 828-5200 x 20

Mobile: (443) 829-0300

lo.mlhl.com/robertoconnell

Contact:

Brian Nowakowski

Mortgage Consultant

MetLife Home Loans

Office: (410) 828-5200 x 20

Mobile: (410) 913-5347

lo.mlhl.com/bnowakowski

Laurel, MD 20723 Market Trends Report By www.AaronRiceHelps.com

Sat, 26 Jun 2010 08:32:08 GMT

Date 6/25/10

Market Area: 20723 Zip Code

Time Frame: 12/25/09 – 6/25/10

General Market Conditions:

Current Market Condition: Slow

Employment Conditions: Declining

Market Price for This Zip Code Has: Decreased By 1.91% in the past 90-days.

There is an over supply of active listings.

Approximate number of units for sale is: 133

Number of units that are Short Sale Stage (Pre-Foreclosure): 23

Number of units that are REO or Bank Owned: 8

Approximate number of units for sale that are distressed: 23%

Market Activity

Range of values is $90,000 to $785,000

Normal marketing time is: 66 Days.

Resale Comments: My independent MRIS research shows that there are currently 133 homes on the market in the 20723 zip code. Most of these homes are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 96. There are currently 62 properties under-contract. These buyers have found and are expecting and getting a great value-a good home at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 67 properties that sold in the last 60-days. The average day’s on the market was 60. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if sellers are not in the ballpark. There is currently 6 months of inventory on the market in the 20723 zip code. It’s very important that sellers price their home correctly and competitively. Buyers are looking for value pricing and if sellers don’t meet these expectations, they’ll be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

443-244-0051

Baltimore, MD 21218 Market Trends Report By www.AaronRiceHelps.com

Thu, 24 Jun 2010 17:27:06 GMT

Date 6/24/10

Market Area: 21218 Zip Code

Time Frame: 12/24/09 – 6/24/10

General Market Conditions:

Current Market Condition: Slow

Employment Conditions: Declining

Market Price for This Zip Code Has: Decreased By 4.84% in the past 90-dys.

There is an over supply of active listings.

Approximate number of units for sale is: 373

Number of units that are Short Sale Stage (Pre-Foreclosure): 37

Number of units that are REO or Bank Owned: 36

Market Activity

Range of values is $7,640 to $925,000

Normal marketing time is: 99 Days.

Resale Comments: My independent MRIS research shows that there are currently 373 homes on the market in the 21218 zip code. Most of these homes are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 171. There are currently 76 properties under-contract. These buyers have found and are expecting and getting a great value-a good home at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 66 properties that sold in the last 60-days. The average day’s on the market was 111. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if sellers are not in the ballpark. There is currently 12.50 months of inventory on the market in the 21218 zip code. It’s very important that sellers price their home correctly and competitively. Buyers are looking for value pricing and if sellers don’t meet these expectations, they’ll be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

443-244-0051

Baltimore, MD 21224 Market Trends Report By www.AaronRiceHelps.com

Wed, 23 Jun 2010 08:06:43 GMT

6/23/10

Baltimore, MD 21224 Market Trends Report By www.AaronRiceHelps.com

My independent MRIS research shows that there are currently 586 homes on the market for sale in the 21224 zip code. Most of these properties are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 165. There are currently 152 properties under-contract. These buyers have found and are expecting and getting a great value-a good property at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 171 homes that sold in the last 60-days. The average day’s on the market was 117. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if you are not in the ballpark. There is currently 9.15 months of inventory on the market in the 21224 zip code. It’s very important that you price the property correctly and competitively. Renters are looking for value pricing and if you don’t meet these expectations, you’re property will be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

www.MyForeclosureAlternative.com

443-244-0051

Baltimore, MD 21209 Market Trends Report By www.AaronRiceHelps.com

Tue, 22 Jun 2010 08:46:04 GMT

Date 6/22/10

Baltimore, MD 21209 Market Trends Report By www.AaronRiceHelps.com

Market Area: 21209 Zip Code

Time Frame: 12/22/09 – 6/22/10

General Market Conditions:

Current Market Condition: Slow

Employment Conditions: Declining

Market Price for This Zip Code Has: Decreased By 5.18% in the past 6-months.

There is an over supply of active listings.

Approximate number of units for sale is: 66

Number of units that are Short Sale Stage (Pre-Foreclosure): 2

Number of units that are REO or Bank Owned: 1

Market Activity

Range of values is $90,000 to $625,000

Normal marketing time is: 79 Days.

Resale Comments: My independent MRIS research shows that there are currently 66 homes on the market in the 21209 zip code. Most of these homes are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 185. There are currently 15 properties under-contract. These buyers have found and are expecting and getting a great value-a good home at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 12 properties that sold in the last 60-days. The average day’s on the market was 46. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if sellers are not in the ballpark. There is currently 10.42 months of inventory on the market in the 21209 zip code. It’s very important that sellers price their home correctly and competitively. Buyers are looking for value pricing and if sellers don’t meet these expectations, they’ll be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

443-244-0051

Gaithersburg, MD 20879 Condo Market Trends Report By www.AaronRiceHelps.com

Thu, 03 Jun 2010 07:27:01 GMT

6/3/10

Gaithersburg, MD 20879 Condo Market Trends Report By www.AaronRiceHelps.com

My independent MRIS research shows that there are currently 18 condo homes on the market for sale in the 20879 zip code. Most of these properties are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 152. There are currently 21 properties under-contract. These buyers have found and are expecting and getting a great value-a good property at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 16 condos that sold in the last 60-days. The average day’s on the market was 51. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if you are not in the ballpark. There is currently 2.57 months of inventory on the market in the 20879 zip code. It’s very important that you price the property correctly and competitively. Renters are looking for value pricing and if you don’t meet these expectations, you’re property will be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

443-244-0051

Edgewood, MD 21040 Market Trends Report By www.AaronRiceHelps.com

Thu, 03 Jun 2010 06:38:22 GMT

6/3/10

Edgewood, MD 21040 Market Trends Report By www.AaronRiceHelps.com

My independent MRIS research shows that there are currently 188 homes on the market for sale in the 21040 zip code. Most of these properties are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 158. There are currently 52 properties under-contract. These buyers have found and are expecting and getting a great value-a good property at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 41 properties that sold in the last 60-days. The average day’s on the market was 121. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if you are not in the ballpark. There is currently 10.95 months of inventory on the market in the 21040 zip code. It’s very important that you price the property correctly and competitively. Renters are looking for value pricing and if you don’t meet these expectations, you’re property will be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

443-244-0051

Baltimore, MD 21229 Market Trends Report By www.AaronRiceHeps.com

Thu, 03 Jun 2010 06:20:58 GMT

6/3/10

Baltimore, MD 21229 Market Trends Report By www.AaronRiceHelps.com

My independent MRIS research shows that there are currently 205 homes on the market for sale in the 21229 zip code. Most of these properties are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 174. There are currently 71 properties with a pending application. These buyers have found and are expecting and getting a great value-a good property at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 51 properties that sold in the last 60-days. The average day’s on the market was 103. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if your are not in the ballpark. There is currently 9.61 months of inventory on the market in the 21229 zip code. It’s very important that you price the property correctly and competitively. Renters are looking for value pricing and if you don’t meet these expectations, you’re property will be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

443-244-0051

Baltimore, MD 21217 Market Trends Report By www.AaronRiceHelps.com

Thu, 03 Jun 2010 05:54:27 GMT

6/3/10

Baltimore, MD 21217 Market Trends Report By www.AaronRiceHelps.com

My independent MRIS research shows that there are currently 396 homes on the market for sale in the 21217 zip code. Most of these homes are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 234. There is currently 54 properties under-contract. These buyers have found and are expecting and getting a great value-a good property at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 43 properties that sold in the last 60-days. The average day’s on the market was 122. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if your are not in the ballpark. There is currently 21.60 months of inventory on the market in the 21217 zip code. It’s very important that you price the property correctly and competitively. Buyers are looking for value pricing and if you don’t meet these expectations, you’re property will be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

443-244-0051

Baltimore, MD 21216 Market Trends Report By www.AaronRiceHelps.com

Thu, 03 Jun 2010 05:38:22 GMT

6/3/10

Baltimore, MD 21216 Market Trends Report By www.AaronRiceHelps.com

My independent MRIS research shows that there are currently 249 homes on the market for sale in the 21216 zip code. Most of these homes are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 166. There is currently 66 properties under-contract. These buyers have found and are expecting and getting a great value-a good property at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 33 properties that sold in the last 60-days. The average day’s on the market was 103. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if your are not in the ballpark. There is currently 16.98 months of inventory on the market in the 21216 zip code. It’s very important that you price the property correctly and competitively. Buyers are looking for value pricing and if you don’t meet these expectations, you’re property will be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

443-244-0051

Baltiimore, MD 21215 Market Trends Report By www.AaronRiceHelps.com

Thu, 03 Jun 2010 05:31:28 GMT

6/3/10

Baltimore, MD 21215 Market Trends Report By www.AaronRiceHelps.com

My independent MRIS research shows that there are currently 318 homes on the market for sale in the 21215 zip code. Most of these homes are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 171. There is currently 104 properties under-contract. These buyers have found and are expecting and getting a great value-a good property at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 56 properties that sold in the last 60-days. The average day’s on the market was 110. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if your are not in the ballpark. There is currently 4.78 months of inventory on the market in the 21215 zip code. It’s very important that you price the property correctly and competitively. Buyers are looking for value pricing and if you don’t meet these expectations, you’re property will be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

443-244-0051

Baltimore, MD 21202 Market Trends Report By www.AaronRiceHelps.com

Thu, 03 Jun 2010 04:56:52 GMT

6/3/10

Baltimore, MD 21202 Market Trends Report By www.AaronRiceHelps.com

My independent MRIS research shows that there are currently 136 homes on the market for sale in the 21202 zip code. Most of these homes are overpriced or are in less than ideal condition that do not attract buyers and just sit on the market. The average day’s on the market for these active properties is 207. There is currently 34 properties under-contract. These buyers have found and are expecting and getting a great value-a good property at a good price and with all the competition for their attention, they have a lot of choices. These buyers are really picky. There were 20 properties that sold in the last 60-days. The average day’s on the market was 133. Buyers have a sense of what’s fair market value and what’s not and they just won’t show up if your are not in the ballpark. There is currently 16.32 months of inventory on the market in the 21202 zip code. It’s very important that you price the property correctly and competitively. Buyers are looking for value pricing and if you don’t meet these expectations, you’re property will be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS

443-244-0051

Baltimore, MD 21229 Rental Market Trends Report www.AaronRiceHelps.com

Thu, 03 Jun 2010 04:41:35 GMT

6/2/10

Baltimore, MD 21229 Rental Market Trends Report By www.AaronRiceHelps.com

My independent MRIS research shows that there are currently 19 rental properties on the market for sale in the 21229 zip code. Most of these properties are overpriced or are in less than ideal condition that do not attract renters and just sit on the market. The average day’s on the market for these active properties is 108. There is currently 3 properties with a pending application. These buyers have found and are expecting and getting a great value-a good property at a good price and with all the competition for their attention, they have a lot of choices. These renters are really picky. There were 3 properties that rented in the last 60-days. The average day’s on the market was 87. Renters have a sense of what’s fair market value and what’s not and they just won’t show up if your are not in the ballpark. There is currently 5.19 months of rental inventory on the market in the 21229 zip code. It’s very important that you price the property correctly and competitively. Renters are looking for value pricing and if you don’t meet these expectations, you’re property will be overpriced and overlooked.

Prepared By:

Aaron Rice, CDPE, CLHMS, CRS, GRI, SHS