Kim Parsons's Blog Posts

Navigating Homeownership in Today's Landscape: Top Concerns for Homeowners

Owning a home is a cherished dream for many, but the landscape of homeownership is continually evolving, shaped by economic shifts, global events, and societal changes. As we navigate the challenges

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WHEN SHOULD I APPLY FOR A MORTGAGE?

The best time to apply for a mortgage is when you are financially and personally ready to buy a home. This means that you have a good credit score, a low debt-to-income ratio, and enough money saved

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20% DOWN....OR NOT??

No, you do not have to put 20% down when buying a home. In fact, the average down payment for first-time homebuyers in the United States is currently around 7%. There are also a number of loan

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FIVE THINGS YOU CAN DO TODAY TO INCREASE YOUR CREDIT

Your credit score is one of the most important factors in your financial life. It can affect your ability to get a loan, buy a car, and rent an apartment. A good credit score can also save you money

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UNPOPULAR OPINION: NOW IS A GREAT TIME TO BUY

It’s good to be a buyer.Now I know that sounds absurd, but hear me out...Over the last 24 months, many buyers had to purchase a home site unseen, waive all contingencies, and bid high above

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SHOULD I BUY OR RENT: A COMPREHENSIVE GUIDE

Whether to buy or rent is a major life decision that depends on a variety of factors, including your financial situation, lifestyle, and personal goals. There is no one-size-fits-all answer, but

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Factors to Consider When Pricing Your Home in Harford County, Maryland

When pricing your home in Harford County, Maryland, there are a few factors you'll need to consider to attract potential buyers. These include:The current market conditions. What are the prices

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7 Reasons Why Buying a Home in Baltimore Is Smarter Than Renting

Are you thinking about buying a home in the Baltimore area? If so, you're making a wise decision. There are many benefits to owning a home, both financial and personal.Here are just 7 reasons why

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TOP QUESTIONS BUYERS HAVE WHEN THINKING ABOUT REAL ESTATE

Buying a home is a big decision, and there are a lot of questions that come with it. Here are some of the most common questions that buyers have:How much can I afford? This is one of the most

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TOP BUYER QUESTIONS ANSWERED

Buying a home is a big decision, and there are a lot of questions that come with it. Here are some of the most common questions that buyers have:How much can I afford? This is one of the most

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CAN I GET A HOME LOAN WITH BAD CREDIT?

Yes, you can get a loan to buy a home if you have bad credit. However, you may have to pay higher interest rates and fees than someone with good credit.There is a minimum score required to obtain a

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Is a 2-1 Buy Down right for me?

With interest rates higher than we have seen in recent years, many people are asking if a 2-1 buy down is a good option for them.A 2-1 buydown is a type of mortgage loan that offers a lower interest

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THE HISTORY OF SNOWBALLS IN BALTIMORE

It's Spring time in Maryland! That means snowball stands are OPEN! Here's a little history on one of my favorite!

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Five Ways to Improve Your Credit Score

Here are some tips on how to improve your credit score quickly:Pay your bills on time. This is the single most important thing you can do to improve your credit score. Make sure to pay your

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The Top 5 Ways to Save Money While Moving

Moving can be a costly endeavor, but there are a number of ways to save money on the process. Here are five tips to help you cut costs:Plan ahead. The earlier you start planning your move, the

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The BEST Springtime Mocktails

Spring is in the air, and that means it's time to start thinking about refreshing drinks. But if you're not a fan of alcohol, don't worry - there are plenty of delicious mocktails out there that are

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SIGNS THAT NOW IS THE TIME TO SELL YOUR HOME

There are many reasons why you might want to sell your home. You may need more space for a growing family or want to downsize after your children leave the nest. Whatever your motivation, it's

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What You Should Know When Moving to Aberdeen Proving Ground

Here are some things you should know if you are being stationed at Aberdeen Proving Ground (APG):APG is a large installation with a lot to offer. There are a variety of housing options,,

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The Most Expensive Homes in Harford County

Harford County is a suburban county in Maryland, United States. It is located northeast of Baltimore and has a population of about 280,000 people.Harford County is a desirable place to live, and the

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Making a Military Relocation Easier

Relocating with the military can be a stressful experience, but it doesn't have to be. By following these top tips, you can make the process easier for yourself and your family.Start planning early

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Finding a GREAT Realtor!

Buying a home is one of the biggest investments you'll ever make, so it's important to work with a real estate agent who has your best interests at heart. A great realtor can help you find the

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Which type of mortgage is right for you?

The first step when buying a home is to get pre-approved. A great local lender can help you determine what is best for you. Here are the 4 main types of loans. Conventional

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Home Buying in a Competitive Market

Spring is in the air, and that means it's time to start thinking about buying a home. We are in a competitive market, there are a few things you can do to make your offer stand out from the crowd

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The My Lady's Manor Steeplechase

The My Lady's Manor SteeplechaseThe Manor Races in Monkton, Maryland are a long-standing tradition that dates back to 1902. The races are held every spring on the grounds of My Lady's Manor, a

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Wood Flooring: Light or Dark?

Wood flooring is a popular choice for many homeowners, as it is both beautiful and durable. However, one of the biggest decisions you will have to make when choosing wood flooring is whether to go

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Jarrettsville, Maryland

Jarrettsville is a small town in Harford County, Maryland. The town was founded in 1771 by Abraham Jarrett, a farmer and businessman. Jarrettsville was originally called "Carmon", but the name was

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How to Prepare for a Home Purchase

Buying a house is a big decision and a major financial commitment. It's important to be prepared and to do your research before you start the process. Here are some of the most important things to

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Best Restaurants in Bel Air

Bel Air, Maryland is a charming town with a lot to offer visitors, including a variety of great restaurants. Whether you're looking for fine dining, casual fare, or something in between, you're sure

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