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Joan Ryder
July 2019
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Daily News And Advice
Today's Feature Stories

The Refi Boom Goes Bombastic

This was supposed to be the time when mortgage rates were climbing over five percent. All anyone was talking about going into 2019 was how the higher rates were going to put a wrench in the market. And now, halfway through the year, rates have dropped to a two-year low and, not surprisingly, refinances are soaring.

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What Happens When Your Sales Contract and Appraisal Don’t Agree

It might surprise some to know that the sales contract isn’t the final value of the home, at least in the lender’s eyes. When negotiating the price of a home market forces shape a price based upon the most the buyers are willing to pay with the least amount the sellers will accept. This assuming there are no external influences that may affect the seller’s list price.

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7 Reasons to Keep Your Credit Good After You’ve Bought a House

You worked hard to save for a down payment and get your credit score to a place where you were able to qualify for a mortgage. Now that you’re in your home, you can relax a little, right? Who cares if your credit score drops; you’re a homeowner!

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How to Make Your Backyard Feel Like a Resort

Once summer arrives, we all go into vacation mode, right? But why should we only get to enjoy that feeling for a few weeks every year?! With a few simple updates to your outdoor space, you can be living that resort life all season long—and maybe even extend your summer well into the fall!

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5 Very Important Checklist Items Before Selling Your Home

Before selling your home, you’ll want to make sure it is ready to be seen by potential buyers. Follow the next five steps to ensure that your house sells for the maximum value.

First Step: Paint

First, make sure that the paint is up to date. You may need to skim coat your walls. Skim coat, also called mud, is a thin layer of seam compound that can be used to repair or smooth damaged walls. You may need a skim jacket if you want to repair cracks, fill in FULL STORY->

The Ultimate Guide to Keeping Your House Organized All the Time

With a little time and effort, you can make even the messiest house look clean for a day or two. However, many people struggle to actually maintain their organization. Instead, they get stuck in a cycle of getting the house dirty, spending hours cleaning it, and then messing it all up in just a few days. People who manage to keep their house organized all the time tend to follow a few basic rules. Here is what you need to know about keeping your home tidy without too much FULL STORY->

A New Home…Without Moving!

Research suggests that the average person will move over 11 times during their lifetime. Whilst moving is exciting, it’s expensive and can be very stressful.

What if there was some way to get that ‘new home’ buzz without the hassle? Well, of course there is, and that’s why people spend time and money updating their homes.

Here are five ways to get yourself a new home… without moving!

1. Extend

A lot of people move home because their FULL STORY->

Six Creative Ways to Drum up Interest in Your Home

A perfectly updated home at the right price in a highly coveted neighborhood may sell right away, but what about the rest of the homes that hit the market? You should be able to depend on a well-connected, experienced real estate agent to create a solid marketing plan, network with fellow agents, and hold open houses. But is there something you might be able to do to help get your home sold? There sure is.

Organize a block party

If you live in a neighborhood where everyone knows each FULL STORY->

10 Tips for Creating a Calmer, More Peaceful Home

Your home should be your sanctuary, but sometimes it’s hard to brush off the stress of the day and sink into the serenity. That's especially true if your home is more chaos than calm. Use these tips to create a space that’s soothing, so, no matter what the day holds, you always have an inviting place to come home to.

Add some greenery

Studies have shown that plants can make your home feel calmer and ease anxiety. Plants like jasmine and English ivy can improve sleep, FULL STORY->


Mortgage Rates
Averages as of July 2019:


30 yr. fixed: 3.73%
15 yr. fixed: 3.16%
5/1 yr. adj: 3.39%








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Joan Ryder,GRI CRS ePRO CRB
E-mail: joanryder1@gmail.com
Website: http://joanryder.com
(410) 893-1792 x 11

(410) 893-1792
3 Vale Road Suite 200
Bel Air MD 21014


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