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To Sell Your Home!
To Buy a Home!


Bernie Alvey 
Senior Listing Agent
Exit Landmark Realty
Direct: (301)752-7922
Fax: (301)368-2109
Email: Bernie@AlveyProperties.com
 

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To Apply for a Mortgage!


Chris Hood
Senior Loan Officer
Academy Mortgage Corporation
Direct: (240)965-2784
Cell: (301)399-6883
Email: Chris.Hood@AcademyMortgage.com
Maryland Lic.#:141811

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Bernie Alvey, Senior Listing Agent with Exit Landmark Realty and Chris Hood, Senior Loan Officer with Academy Mortgage serve fine neighborhoods in: La Plata, MD, Waldorf, MD, Hughesville, MD, Charlotte Hall, MDMechanicsville, MD, California, MD and surrounding areas.  Bernie Alvey and Chris Hood have over 25 years of experience and have helped over 500 families successfully buy, sell and finance homes throughout Maryland!

Selling your home?  Nothing is more important than knowing the perfect asking price! I can help you with a FREE Market Analysis. I use comparable sold listings to help you determine the accurate market value of your home. You don't want just "any Realtor." You want an experienced. FULL-TIME PRICING STRATEGIST who will get you top dollar for your home in the quickest possible time! Check out the Sell your home quickly and 7 things you must know before selling pages in for valuable information!

Buying a home? Check back here often to see our listings, or use my Dream Home Finder form and I'll conduct a personalized search for you. Also, be sure to check out the 7 things you must know before buying page for must-have information before you begin house hunting!

Financing a home? Working with the right loan officer can be critical to your home buying experience. Chris Hood has 10 years experience in financing homes in throughout Maryland. He has several loan programs that will allow you to buy a home with NO MONEY DOWN with a credit score as low as 580. Be sure to use our "apply online" feature so Chris can provide you with a free, no obligiation mortgage pre-approval!

Our Blog

Complete list of all foreclosures for sale in La Plata MD, Waldorf MD, Hughesville MD and Charlotte Hall MD

Are you looking for the latest and greatest deal on a foreclosure in Charles County MD? Sometimes you can find a diamond in the rough, but sometimes you also just find a home in extremely poor condition that won't even qualify for traditional financin... Read more

2015 Real Estate Predictions You Can Count on in La Plata MD, Waldorf MD and Charlotte Hall MD!

At the start of every year, real estate experts and financial analysts throw out their predictions for the next 12 months, and advise home buyers and investors on how to make money on real estate. The problem with this mindset is that real estate investme... Read more

Need to spice up your home in La Plata Md, Waldorf MD or Charlotte Hall MD but don't have the money? Try these inexpensive projects to add something new!

Would you like to spruce up your home but really can't afford the expense of doing so? Everyone has been in that position but it's always nice to have ways to update your home when working on a small budget. Minor fixes to give your home a fresh f... Read more
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Real Estate News!!!

Latest Realty News from NAR

January 2019 Existing-Home Sales

  • NAR released a summary of existing-home sales data showing that housing market activity this January, fell for the third straight month and was down 1.2 percent from December 2018. Sales of existing homes dropped 8.5 percent from January 2018. January’s existing home sales reached a 4.94 million seasonally adjusted annual rate, the lowest since November 2015.

  • The national median existing-home price for all housing types was $247,500 in January, up 2.8 percent from a year ago. This marks the 83rd consecutive month of year-over-year gains. Despite the gains in prices, this January marks the slowest price growth since February 2012.

  • Regionally, all four regions showed growth in prices from a year ago. The West had largest gain of 2.9 percent followed by the South with a gain of 2.5 percent. The Midwest had an increase of 1.4 percent followed by the Northeast with a modest incline of 0.4 from January 2018.
  • January’s inventory figures are up from last month 3.9 percent to 1.59 million homes for sale. Compared with January of 2018, there was a 4.6 percent increase in inventory levels. It will take 3.9 months to move the current level of inventory at the current sales pace. It takes approximately 49 days for a home to go from listing to a contract in the current housing market, up from 42 days a year ago.

  • From December 2018, the Northeast was the only region to have an incline in sales of 2.9 percent. The West had the biggest decline of 2.9 percent followed by the Midwest with a dip of 2.5 percent. The South had the smallest decline of 1.0 percent.
  • All four regions showed declines in sales from a year ago. The West had the biggest drop in sales of 13.8 percent. The South had a decline of 8.4 percent followed by the Midwest with a drop of 7.9 percent. The Northeast had the smallest drop in sales of 1.4 percent. The South led all regions in percentage of national sales, accounting for 42.1 percent of the total, while the Northeast had the smallest share at 14.2 percent.

  • In January, single-family sales were down 1.8 percent and condominiums sales were down 3.6 percent compared to last month. Single-family home sales fell 8.4 percent and condominium sales were down 9.5 compared to a year ago. Single-family homes had an increase in price up 3.1 percent at $249,400 and condominiums modestly rose 0.1 percent at $233,000 from January 2018.

 

Home Buying Conditions by State in January 2019

Homebuying activity was essentially unchanged in January 2019 compared to one year ago, according to NAR’s January 2019 REALTORS® Confidence Index Survey.[1] The REALTORS® Buyer Traffic Index registered 52 in January 2019, just slightly above 50, a level that indicates no change in the overall direction of buyer traffic activity, One year ago, the REALTORS® Buyer Traffic Index was at 69, a level that indicates homebuying traffic was broadly stronger compared to conditions one year ago. A lower index in one month compared to the level in another month slower activity during that former month, so the steep decline in the value of the index from 69 to 52 indicates homebuying conditions have slowed significantly from conditions one year ago.[2] The REALTORS® Buyer Traffic Index has fallen below leads existing home sales by one to two months, so the January reading is an indicator of sales in the next one to two months.

Buyer traffic was broadly weaker during November and December 2018 and January 2019 compared to conditions one year ago in the District of Columbia and in states 16 states that included Oregon, California, Nebraska, Iowa, Illinois, Maryland, Connecticut, Rhode Island, and New Hampshire. However, buyer traffic conditions were broadly stronger during November and December 2018 and January 2019 compared to conditions one year ago in Idaho, Utah, Wisconsin, Indiana, Alabama, Georgia, South Carolina and North Carolina.


The REALTORS® Buyer Traffic Index has hovered at near 50 since August 2018 when the index fell to 51 and remained at below 50 through December 2018. The January reading of 52 indicates a slight upturn in homebuyer traffic as mortgage rates started falling in January 2019.  As of the week of February 14, the average 30-year fixed mortgage rate fell to 4.37 percent, from a high of 4.94 in the weeks of November 8 and 15.[3]

REALTOR® Comments

Higher mortgage rates compared to one year ago, the negative effect on confidence of the government shutdown, the cap on deductions for property, state, and local income taxes, and the very cold weather were some factors cited by the respondents for the slowdown in buyer activity in their markets.

  • Respondents from some Midwest states— Ohio, Illinois, Iowa, Michigan, Missouri, Indiana— reported that the extremely cold weather held homebuying activity.
  • Some respondents from California, New York, and New Jersey reported the cap on deductions for property, state and local income taxes is negatively affecting sales.
  • A respondent from California also noted that the widespread wildfires in 2018 are still impacting home sales[4].
  • Respondents from Alabama, California, Nevada, Florida, Texas, and Virginia reported that the government shutdown appeared to have had an impact in homebuying activity.
  • Lack of supply, especially of affordable homes, continues to frustrate would-be homebuyers.
  • REALTORS® reported that higher mortgage rates (during October, November and December) discouraged buyers

 

To note, mortgage rates have started falling again since January 2019.[5] As of February 14, the 30-year fixed rate mortgage has fallen to 4.37 percent from 4.8 percent during the weeks of November 8 and 15. The 30-year fixed mortgage rate is still slightly higher compared to the 3.95 percent in January 2018. The monthly increase in mortgage payment arising from a 0.5 percent increase in mortgage rates on a loan of $250,000 is about $73 per month.


 

[1]In a monthly survey of REALTORS®, NAR asks respondents “Compared to the same month (January) last year, how would you rate the past month’s traffic in neighborhood(s) or area(s) where you make most of your sales?” NAR compiles the responses into an index, where an index above 50 indicates that more respondents reported “stronger” traffic than “weaker” traffic.  In generating the buyer traffic index at the state level, NAR uses data for the last three surveys to have close to 30 observations. Small states such as AK, ND, SD, MT, VT, WY, WV, DE, and D.C., may have fewer than 30 observations. The index is not seasonally adjusted, so a year-over-year comparison is appropriate.

[2] The index is not seasonally adjusted, so a year-over-year comparison is appropriate compared to a month-to-month comparison in evaluating whether market conditions are improving or deteriorating.

[3] Freddie Mac’s survey of 30-year fixed rate mortgages

[4] Bloomberg reported that 876,000 acres were burned in California due to wildfires, citing data form the California Department of Forestry and Fire and Protection in Now California Wildfires Burn All Year; see https://www.bloomberg.com/news/articles/2019-01-17/california-fires-burn-all-year-as-drought-left-state-a-tinderbox

[5] Rates started falling after Chairman Powell of the Federal Reserve Board announced in December 2018 that it was looking at one rate hike in 2019.

President’s Day 2019: How Does the White House Compare to the Average Home?

In the spirit of President’s Day we can use data from the 2018 Profile of Home Buyers and Sellers to see how the typical home differs from the White House.

Typical Home Purchased in the U.S.

  • 86% of buyers purchased a previously owned home, with 82% of buyers choosing a detached single-family home.
  • Looking by first-time and repeat buyers, both also purchased detached single-family homes more often with 80% of first-time buyers and 83% of repeat buyers.
  • 51% of all buyers purchased their home in a suburb/subdivision.
  • The typical detached single-family home purchased was 1,980 square feet.
  • Recent homes purchased also had a median of 3 bedrooms, 2 bathrooms, and were built in 1991.
  • Among all buyers, the expected length of tenure in the home purchased was 15 years.

The White House

  • The White House was built in 1792, and in comparison is located in an urban or central area.
  • The White House contains 6 levels, has 132 rooms, including 35 bathrooms.
  • It also includes features such as: a tennis court, jogging track, swimming pool, billiard room, movie theatre, and bowling alley.
  • While the median expected tenure in a home lasts around 15 years, in the White House the expected tenure is between 4 and 8 years.

 

For more information on this data check out the President’s Day Infographic and the 2018 Profile of Home Buyers and Sellers.

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Bernie Alvey - Agent with EXIT Landmark Realty
Top 1% - all Trulia Agents Nationwide!

Why am I the right Realtor for you? Check on the "About Me" page to learn why I am the right choice to help you sell your home or to help you buy a home!

New York Times article featuring Bernie Alvey.  As a result of his foreclosure work in Waldorf MD, The New York Times recently contacted Bernie Alvey for input on a "Financing for Foreclosed Homes" column. You can read the article and Bernie's thoughts by clicking here.

Testimonials

Bernie is that agent that you hear about but never seem to really find, EXCEPT I DID! He is current with technology that is so important to finding a home, I used his website and was able to zero in on the 4 or 5 properties in La Plata I wanted to see and he made the rest happen. He is also great at presenting the pros and cons of any property to help you keep your own excitement from carrying you away. His knowledge of the area was fantastic, and overall made our home buy experience, fast and even fun. Chet Rhodes
My husband and I thought buying our first home, especially when the market was going crazy, was going to be very overwhelming. Luckily Bernie Alvey came highly recommended and choosing him to be our realtor was the best decision we could have made. He is not only experienced, but made the process easy by explaining everything to us. We never felt confused or left in the dark about anything. He even entertained my need to ask a million questions, haha. We were not only able to make informed decisions regarding our first home purchase but we felt the experience was very personal. I'm currently in a home I only dreamed of, in a safe neighborhood, with my kids in amazing school, and it's all thanks to Bernie really listening to what we wanted for our family. We will never do business with any other realtor! Stephanie and John Scheungrab
My husband and I recently worked with Chris in processing our loan application. He was personable, extremely professional, highly proactive and very responsive to all our questions and needs! No question was left unanswered and his experience and knowledge of the process kept us moving forward without unnecessary delays to slow us down. We would highly recommend Chris and would happily turn to him if we find ourselves making a home purchase again! Buying a home is not the kind of thing most people do all the time and so the experience can feel new and uncertain at best. It was reassuring to have someone like Chris alongside us in this process! Karen and Phil Parsons
Bernie is a truly excellent, highly knowledgeable, and experienced real estate agent. I feel very fortunate that we were able to work with him during our recent home search and purchase! He listened clearly to what we wanted, as well as what we felt we could handle, and helped us analyze that against what he knew the market was offering at the time to help shape and refine our search. Throughout our search Bernie was responsive to all questions, proactive in acquiring information about properties, making arrangements to view them, and generally informative and helpful all along the way. He moved like lightening when timing was of the essence to get in an offer and worked to facilitate favorable closing terms for us. Throughout our experience, we came to know what a great person he is to work with, easy to talk to, a sense of humor and way of keeping things in perspective through all the ups and downs that often come with searching for that new home. I would definitely turn to Bernie again and highly recommend him to anyone in need of an agent in southern Maryland especially or elsewhere. Karen and Phil Parsons
Bernie helped me buy my first home. I cannot imagine going through this process with any other agent, and I never plan to. Bernie was there for us, answering every single question we had, at any time of the day. There were many times that I would email him late in the evening, and Bernie would respond within minutes. He worked extremely hard to find us a great home in our price range, negotiate with the sellers, and get us the absolute best possible deal. We really made out better than we dreamed! He worked with our schedules to show us homes and to schedule our closing. Bernie took every question and concern I had seriously, and never failed to translate real estate jargon into something anyone could understand. Even now, 2 months after we settled on our home, I can still count on Bernie to answer my endless questions with patience, honesty, and guidance. Ashley Scaggs
Chris is great, he helped out so much. He answered all my questions and made the process as stress free as possible. He was available whenever I had a question. I would definitely use him again! Lindsay Weller Armstrong
Bernie is the best agent I have ever worked with. His knowledge and negotiation skills are impeccable. He was always alert, responsive and attentive for my needs. I have used him as a buyer and seller agent, he was great at both aspects. He even help me gain a a full price offer on my home, which was a profit from a home I owned for only 14 months. ***Highly Recommended*** Michael Paige
Chris made buying my house a breeze. He was easy to work with and got me the best rate! I have since recommended him to my mother and friend who were both extremely happy with his customer service. You can't go wrong using Chris! Liz Cullens
Working with Bernie when purchasing our first home was one of the best decisions we made. Not only does he have a great personality, he really listened to our wants and needs. He was always available to answer any questions or concerns that we had. He worked very hard to get us into our home when the odds were against us. We can honestly say we would not have our dream home today if it wasn't for Bernie's hard work and great people skills. Robert and Lauren Olup
This has been a very exciting time for our family. Not only was this our first home buying experience, but we recently moved to Southern Maryland from Washington state. Bernie was more than helpful in answering all of our frantic calls and questions. He and the EXIT team did a tremendous job, not only on finding our family the perfect home, but also educating us on everything we needed to know that comes along with the home buying process. Bernie went out of his way to meet on our schedule and when it was convenient for us and the kids! I would recommend Bernie and the EXIT team in a heartbeat to anyone who needed a Realtor! Jeff and Christina Bell
Bernie, just a quick note thanking you for ALL your help in finding us a home. Thank you for being patient even when dealing with Larry and our million questions and explaining everything to us in great detail. :-) We have learned a lot about the real estate market and are truly grateful to work with a professional in the field. We truly love our new home and look forward to our new life together in it. Thank you for everything! Larry and Pam Dutrow
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