Montgomery County

laomachris Open House – Sábado 6 de diciembre, 1–3 pm 410 Mississippi Ave, Silver Spring, MD 20910 Si estás buscando una casa con tres cuartos, una oficina en el main level y un porche enorme en Silver Spring por menos de $700,000, tienes que ver esta. La sala recibe mucha luz y tiene chimenea, el comedor mantiene los detalles originales y la cocina fue renovada en 2025 con electrodomésticos nuevos y acabados muy bonitos. Pero para mi las dos cosas mejors son la oficina privada perfecta para trabajar desde casa y el porche “screened-in” precioso con vista al patio grande, cercado y súper privado. Arriba hay 2 cuartos amplios y un baño actualizado. Abajo tienes un nivel walkout con otro cuarto u oficina, un baño completo y mucho espacio de almacenamiento. La ubicación es ideal. Estás a pasos de cafés, restaurantes, Sligo Creek Trail y a 1 milla del metro. Pasa por aca este sábado de 1 a 3 pm para verla. Si prefieres una visita privada o tienes preguntas, escríbeme directo.

laomachris Most homebuyers are told, “Your monthly payment will never go up.” ❌ This is one of the most misleading lines in real estate, and it’s used to convince you to buy a home. The problem is that many people use mortgage payment, monthly payment, and housing payment interchangeably. But in reality, your payment can go up, and for most people it almost always does. 📈 Most people’s monthly “mortgage” payment is made up of PITIA: 🏦 P + I = Principal and Interest This is the actual mortgage portion, and with a fixed-rate loan, this stays the same. This is the only part that “never” changes. 🏡 T + I + A = Taxes, Insurance, Association Fees These are not fixed. These go up over time, sometimes aggressively, depending on where you live. Even if you pay off your mortgage one day, you will still pay property taxes, insurance, and association fees. That is the true cost of homeownership. 📑 Many first-time buyers have never been taught this. They hear “your mortgage never changes” and assume their entire payment is locked in. It isn’t. The mix-up happens when people confuse “mortgage payment” with “total housing payment.” When you’re planning to buy, you want to understand the full picture and see what might change and by how much. 🔍 🧑‍💻 If you want to buy a home in Maryland and want a clear breakdown of your numbers, click the link in my bio to schedule a free strategy call with me.

laomachris Comment “COLE” for the full details... Here’s the payment breakdown for this $1,150,000 home in Potomac (Churchill Cluster!), with a private wooded backyard and pond view that feels like a mini-retreat right at home. Payment breakdown ⬇️ Purchase price: $1,150,000 Down payment: $230,000 (20%) Interest rate: 6.125% Estimated APR: ~6.30% Principal + Interest: $5,600/mo Property tax: $861.75/mo Homeowners insurance: $187.50/mo Total estimated PITI = $6,500/mo These numbers are just estimates, and yours will look different depending on your credit score, taxes, insurance, and the lender you choose. Even with the crazy housing market, most experts recommend keeping housing costs below 28% of gross income. But lenders can qualify you with up to 50% (50% debt-to-income ratio). If you want to run your actual numbers, compare different down payments, or check what you would qualify for, just DM me, and I'll put you in touch with a few of my trusted lenders. I’m always here to help you make smart decisions. Listing courtesy of: Michelle Yu, Long & Foster #homegoals #dreamhome #potomacrealestate #dmvrealestate #marylandrealtor #dmvrealtor #potomac Credit to @selene_hanna for the video style inspiration.

laomachris POV: You move to 📍Silver Spring, MD and this is your new screened porch Comment 410 for more info ⤵️ Inside, you’ll find: ✨ 3 bedrooms | 2.5 baths 🔥 Cozy fireplace + original hardwoods 🍳 A freshly updated kitchen (2025) with stainless-steel appliances 🧑‍💻 The perfect home office 🏡 Your dream screened-in porch 🚶‍♀️ Walking distance to downtown Takoma Park, Sligo Creek Trail, and Metro This is the kind of home that makes it easy to fall in love with where you live, whether it’s a quiet morning, a Zoom call, or a backyard dinner party under the lights. Listing Courtesy of @juliagertler