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Don't Give an Earnest Money Deposit Directly to a For Sale By Owner Seller

Your good faith deposit should go into a trust account. Some for sale by owner sellers don't understand that funds are to be applied to your expenses at closing.

I've heard many stories about sellers who spent the deposit money prior to closing. When the transactions didn't take place for valid reasons--such as financing or repair issues, the buyers had to fight for a refund.

Find an attorney or other neutral party who will hold the deposit for you until closing day and make sure your contract dictates what happens to the funds if the transaction doesn't close.

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HOW CAN I FIND OUT INFORMATION ABOUT MY CREDIT HISTORY?

There are three major credit reporting companies: Equifax, Experian, and Trans Union. Obtaining your credit report is as easy as calling and requesting one. Once you receive the report, it's important to verify its accuracy. Double check the "high credit limit,"'total loan," and 'past due" columns. It's a good idea to get copies from all three companies to assure there are no mistakes since any of the three could be providing a report to your lender. Fees, ranging from $5-$20, are usually charged to issue credit reports but some states permit citizens to acquire a free one. Contact the reporting companies at the numbers listed for more information.


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Despite its metropolitan status, Baltimore real estate includes many folksy neighborhoods which have earned the city the nickname of Charm City. One of the most desirable of these is Federal Hill, which lies just south of the city’s commercial district. Overlooking the Inner Harbor, Federal Hill’s quaint rowhouses share space with a unique blend of restaurants and shops, including the historic Cross Street Market. Fells Point, another waterfront neighborhood, boasts the city’s highest concentration of pubs/bars. In 1969, it became Maryland’s first National Historic District, and its cobblestone streets remain a large part of the neighborhood’s identity. Little Italy is also a popular community thanks to its incomparable culinary offerings, though its narrow streets and close quarters are more easily navigated on foot than by car.