Author: MaryH

CAMPING BUG AFFECTS DELAWARE REALTOR!!!

Versatility of living on the Shore

The eastern shore is a wonderful place to live. You can go from Delaware to Maryland in minutes as you can do the same with the borders of Maryland to Virginia. We went camping to Cherry Stone this past weekend which is located in Virginia. We had a wonderful time.
We caught a head boat and went fishing, then rode our bikes around the camp ground, sat and listened to the band that was playing in the pavilion that night. It was fun to see the parents dancing with their small children, even some in wheelchairs enjoying the music. SInce we live in Maryland, and I work in Delaware, we decided to go to Virgina which was about a two hour ride from Seaford De.
There are a lot of campgrounds on the shore in Maryland and Delaware. We rotate campgrounds so we never get bored. It is a wonderful way to spend time building memories with your kids.
Our kids are grown. We have grandkids now, however I still remembered the times we went to Cherrystone when I was a child. I wanted to share the memories with my husband.
Delaware has some nice campgrounds near the beach areas. There is also Trap Pond in Laurel, and Killens pond in Kent county.
If you have wanted to try camping it doesn’t take much to buy a cheap tent and some sleeping bags. Just pack your bathing suits, fishing poles, bikes and go have fun. Of course if you like camping you might want to invest in a camper or RV in the future. We met some nice people this weekend, and over the years a lot of the ones we met, have remained friends. You owe it to yourself and family to try it at least once. Who knows you might even catch the camping bug?

Check out their website: http://www.cherrystoneva.com/
~MARY HARDING

Our favorite Rockstar Mary Harding, your favorite agent for Seaford Delaware Property
She has something in mind for you!!!

I want to buy a home. Where do I start?

Where should you start when you want to buy a home? The first place I would start is by contacting a reputable mortgage broker, or your local bank. You should have the loan officer pull a tri-merge credit bureau to see if there are any mistakes. If so, this gives you time to correct any blemishes  on your credit bureau, before you formally apply for a loan. The loan officer will determine your eligibility, and the maximum purchase price you are eligible to purchase. They are aware of programs on the state and federal levels which offer help to people who need down-payment, or closing cost assistance and can help with credit repair and various other issues.

After determining eligibility, and the amount of house you are qualified to purchase, the next step is to find a Realtor who is qualified, and you are comfortable with. Your Realtor can be a big help. They will show you houses, help you determine the market value of the home, and help write the contract to make sure all your wishes are put in writing. Once the offer is accepted,it becomes a contract. Your Realtor will help you arrange inspections of the mechanical, structural, and electrical systems of the home. If the home is out of town then the septic and well should be inspected. Finally all homes should have a pest inspection, and survey to insure any unforeseen problems. At this point if any problems are found, your Realtor can help negotiate a solution to the problem.

After all the inspections are done, and the bank is satisfied reviewing the inspections, they will contact your attorney for a final review of all the bank documents, the inspections, the survey, and title work. When the attorney is satisfied, they will contact the bank and set up a settlement date and time.

Just before you go to settlement, your Realtor will arrange a final walk through of the property to ensure it is basically  in the same shape as you saw it in before.They will  also go with you to the settlement table. Usually the listing agent will be present with the sellers, and sometimes the mortgage company will be there also.

Once all the papers  at settlement are signed, the attorney will file the deed and survey under your name as the new owner of the property. This is the basic process for buying a home.  There are several scenarios, such as when you are building, or have a home to sell before you can buy. If you need help or have any questions about buying or selling a home please feel free to contact me. I will be more than happy to answer questions.  I can be reached by email mharding@cooerealty.com.

Delaware’s Greatest Asset

maryharding-tn2.jpgDelmarva gets it’s name from eastern shores of Delaware, Maryland, and Virginia which are on the peninsula. It is a great place to live.

Having been a transplant 30 some years ago, I used to kid with people and tell them once I felt the sand between my toes I didn’t want to live anywhere else. The truth of the matter is once someone experiences eastern shore hospitality, they won’t want to live anywhere else.

I have had flat tires of which kind souls have helped me change, to having a friend show up Christmas day with Christmas dinner for my family and myself when I was too sick to cook. I am eternally grateful to those people.

That is just an example of the wonderful people you meet here. I am sure there might be one or two bad apples, but you can’t have a bushel of apples without finding a few worms.

My point is when I think of our community’s most important asset; I know it is our people which are hardheaded, stubborn, and independent, some of which through out history have helped make our country great. They are our greatest asset, along with all our soldiers who have fought to keep us free.

Memories of Summer

maryharding-tn1.jpgOne of my best childhood memories is of the colorful flowers my grandmother planted around her house. We would sit on the porch in rocking chairs and watch the Humming birds circle the endless blossoms on my grandmother’s Four O’clock bushes. As kids we were always surprised how the bright little trumpets closed up at night, only to open again the next day. There were many other beautiful flowers planted in her garden, But none as much fun as her Four O’clock bushes.

Delaware Fishing

maryharding-tn.jpgDelaware is a waterman’s paradise. There are all kinds of places to go fishing. There are freshwater areas such as ponds, and cypress bog areas where the bass like to hide. Delaware also has brackish rivers like the Nanticoke, the inland bay areas, and of course the ocean. There are also great spots for crabbing which are well kept secrets by the locals.

The fun is discovering these spots for your self. You just need to pack a cooler full of bait, sandwiches, drinks and your fishing rods. It’s a great way to have fun with your family or friends. It will leave your kids with great memories, and other than a fishing license, and a little bait, it doesn’t cost you any more than your time.