Featured Listings
Listing Provided By: Cummings & Co. Realtors 
Abingdon
Abingdon, nestled in Harford County, is a suburban oasis known for its quiet residential neighborhoods and close-knit community atmosphere. Located just a short drive from Baltimore and the amenities ...
View moreAnnapolis
Annapolis, the crown jewel of Anne Arundel County, captivates residents with its historic charm, waterfront beauty, and vibrant cultural scene. As the capital of Maryland, Annapolis boasts a rich mari ...
View moreAnne Arundel County
Anne Arundel County embodies the perfect blend of coastal living and suburban comfort, making it an attractive destination for families and professionals alike. With its waterfront communities along t ...
View moreBaltimore City
Baltimore City offers a vibrant urban experience rich in history, culture, and diversity. Living here means immersing yourself in a dynamic arts scene with world-class museums, theaters, and music ven ...
View moreBaltimore County
Baltimore County presents a dynamic mix of urban conveniences and suburban charm, catering to a diverse range of lifestyles and interests. From vibrant neighborhoods with bustling shopping districts t ...
View moreBel Air
Bel Air, located in Harford County, offers a delightful blend of suburban comfort and community spirit, making it an attractive place to live for families and professionals alike. Known for its pictur ...
View moreColumbia
Columbia, situated in Howard County, stands out as a model of planned community living, designed to offer residents a harmonious blend of residential, commercial, and recreational amenities. This dive ...
View moreCrofton
Crofton, located in Anne Arundel County, appeals to residents with its family-friendly atmosphere and strategic location between Baltimore and Washington, D.C. This suburban community is characterized ...
View moreFallston
Fallston, nestled in Harford County, provides a serene suburban setting with a strong sense of community. Known for its excellent schools and family-friendly atmosphere, Fallston offers residents a qu ...
View moreForest Hill
Forest Hill, another gem in Harford County, appeals to those looking for a blend of rural charm and modern comforts. The area is characterized by its picturesque landscapes, including rolling hills an ...
View moreMiddle River
Middle River, situated along the Chesapeake Bay, offers a waterfront lifestyle with a focus on recreation and natural beauty. The area's marinas and waterways are perfect for boating enthusiasts and a ...
View moreNottingham
Nottingham, located in Baltimore County, appeals to those seeking a suburban retreat with proximity to urban conveniences. This area is known for its excellent school system, making it popular among f ...
View moreOdenton
Odenton, situated between Baltimore and Washington, D.C., is a thriving community known for its strategic location and vibrant atmosphere. This area has experienced significant growth, attracting resi ...
View morePerry Hall
Perry Hall, located in northeastern Baltimore County, offers a suburban oasis with a close-knit community feel. Known for its top-rated schools and family-friendly environment, Perry Hall attracts res ...
View moreWhat are the most common questions buyers ask when they start looking for a home in Maryland?
If you're buying your first—or next—home in Maryland, Pennsylvania, or Delaware, chances are you’ve Googled some of these. We’ve rounded up the most common questions buyers ask when deciding who to work with and what to expect.
1. What’s the first step in the home-buying process?
Get pre-approved for a mortgage. This helps you understand your budget and shows sellers you’re serious.
2. How much money do I need to buy a home?
Most buyers put down 3% to 5% of the purchase price, plus another 2%–5% for closing costs. VA and USDA loans may offer 0% down.
3. Can I afford to buy right now?
Your credit score, monthly debt, and available cash all factor in. A lender can calculate your debt-to-income ratio and help you see what’s realistic.
4. What kind of mortgage should I get?
It depends on your goals and finances. Common options include FHA, conventional, VA, and USDA loans. A trusted lender can walk you through what fits.
5. How long does it take to buy a house?
The average timeline is 30–60 days from offer to closing. However, planning ahead with financing and paperwork helps streamline everything.
6. What should I look for during a showing?
Watch for red flags in the roof, foundation, HVAC, and plumbing. Also pay attention to neighborhood traffic, noise, and resale potential.
7. What ongoing costs should I expect as a homeowner?
Beyond the mortgage: property taxes, homeowners insurance, utilities, and maintenance. It adds up—know what you’re committing to.
8. How do I choose the right real estate agent?
Look for local expertise, strong communication, and a clear strategy. Online reviews and referrals can tell you a lot.
9. Should I buy now or wait?
That depends on your financial readiness, local inventory, and interest rates. The Pomfrey Team helps buyers weigh timing with market trends.
10. What happens if something goes wrong after closing?
Home inspections, warranties, and good representation help protect you. But surprises do happen—that’s why having the right agent matters.
Final Takeaway
If you’re asking these questions—you’re doing it right. The more informed you are, the smoother the buying process. But you don’t have to figure it out alone.
Call The Pomfrey Team of Cummings & Co. Realtors at 443-226-0082 to get expert help buying a home in Maryland, Pennsylvania, or Delaware.
Call The Pomfrey Team of Cummings & Co. Realtors at 443-226-0082 to get expert guidance on selling in Maryland, Pennsylvania, or Delaware.
