Welcome to Keeping It Real Estate, where we bring you honest, straightforward insights into the world of real estate. Whether you’re a first-time buyer, seasoned seller, or savvy investor, we’re here to guide you with practical advice and the latest market updates.
Focused on Maryland—especially Prince George’s County—we cover everything from homebuyer grants and financing options to tips for selling quickly and maximizing value. Backed by the expertise of IGolden One Realty and Concierge
Are you trying to sell your home and open to creative strategies? A Lease Option (Rent-to-Own) might be the perfect solution for you.
In this video, I’ll walk you through:
✔️ What a lease option is
✔️ How it benefits homeowners
✔️ Why it attracts serious, qualified buyers
✔️ How to stay in control of your home sale
Whether you're selling For Sale By Owner (FSBO) or just exploring your options, this strategy can help you:
✅ Avoid long market delays
✅ Maintain monthly income
✅ Sell your home at or near asking price
✅ Work with buyers who treat your home like their own
👉 Interested in learning if this works for your property?
📞 Call or text me directly: 443-584-3679
📧 Email: info@judyengland.com
📍 Serving Prince George’s County, Maryland and surrounding areas.
🔔 Don’t forget to like, subscribe, and share if this video helped you understand your options better!
Introduction: The Hidden Crisis Facing Government Workers
Losing a job is never easy—especially if you’re a government worker who has spent years building stability. With economic uncertainty, government shutdowns, and unexpected layoffs, many hardworking employees suddenly find themselves struggling to pay their mortgage.
If you’re worried about falling behind on payments or facing foreclosure, you’re not alone. But here’s the good news: you have options!
In this guide, we’ll walk you through:
✅ How to sell your home fast before financial trouble escalates
✅ Foreclosure prevention strategies to protect your credit
✅ How to walk away with cash instead of losing everything
Let’s dive in.
The Dangers of Waiting: Why Foreclosure is NOT the Answer
Many homeowners wait too long before taking action, hoping their financial situation will improve. But waiting can have serious consequences:
📉 Credit Score Damage – Foreclosures stay on your record for 7 years
⏳ Loss of Control – Once the bank starts the foreclosure process, your options shrink
💸 Zero Equity – You walk away with nothing instead of selling for cash
The earlier you act, the more options you’ll have to protect your financial future.
Signs You Need to Sell Your Home ASAP
Not sure if it’s time to sell? Here are clear warning signs that selling NOW is your best move:
❌ You’ve missed multiple mortgage payments
❌ You received a foreclosure notice from your lender
❌ Your job loss means you can’t afford your mortgage long-term
❌ You’re struggling with credit card debt, loans, or rising expenses
If any of these sound familiar, selling your home fast could be the best financial decision you make.
Your Best Options to Sell & Avoid Foreclosure
The good news? You have several ways to sell your home before foreclosure takes over.
1️⃣ Traditional Home Sale (Best for Maximizing Profit)
If you have some time before financial trouble worsens, listing your home on the market can get you top dollar.
📌 How It Works:
✔️ List your home with an experienced real estate agent
✔️ Market to qualified buyers looking for a home like yours
✔️ Sell for the highest possible price and walk away with cash in hand
💡 Tip: This method works best if you have time to go through the selling process.
2️⃣ Sell Your Home FAST for Cash (Best for Quick Sales)
Need to sell in days, not months? A cash sale might be the best option.
📌 How It Works:
✔️ We connect you with qualified cash buyers who can close fast
✔️ No waiting, no inspections, no repairs—just a hassle-free sale
✔️ You get cash in hand, avoiding foreclosure and financial stress
💡 Best for: Homeowners who need to sell ASAP and want a fast, guaranteed offer.
3️⃣ Short Sale (Best If You Owe More Than Your Home’s Value)
If your home is worth less than what you owe, a short sale could help you avoid foreclosure without paying the difference.
📌 How It Works:
✔️ Your lender agrees to accept less than what you owe
✔️ You sell the home and avoid the foreclosure process
✔️ You walk away without owing additional debt
💡 Best for: Homeowners with negative equity who want to protect their credit.
Why Acting NOW is Critical
Every day you wait brings you closer to foreclosure. The longer you delay, the fewer options you’ll have to sell and protect your credit.
📌 Remember:
✅ Selling now means YOU control the process—not the bank
✅ Avoiding foreclosure saves your credit score and financial future
✅ You could walk away with cash instead of losing everything
How I Can Help You Sell Fast & Avoid Foreclosure
As a real estate professional, I specialize in helping government workers and struggling homeowners sell their homes quickly and stress-free.
✔️ Personalized strategy based on your financial situation
✔️ Access to cash buyers who can close fast
✔️ Foreclosure prevention guidance to protect your credit
✔️ Hassle-free process—no waiting, no uncertainty
Losing a job is hard—but losing your home doesn’t have to be part of the struggle. You have real solutions to sell your home, avoid foreclosure, and protect your financial future.
🔹 The worst thing you can do is wait. Take action today and explore your best options before it’s too late.
📌 I’m here to help you every step of the way!
📞 Call me today to discuss your options—no pressure, just real solutions.
🚀 Let’s Get Started – Your Home, Your Future, Your Terms! 🏡💰
When income becomes unstable, mortgage payments can quickly become overwhelming. Missing payments can lead to foreclosure, damaging your credit and making it difficult to buy another home or even rent in the future. The key is to act fast before lenders take control of the situation.
Your Best Options If You’re Struggling with Mortgage Payments
1️⃣ Sell Your Home for Maximum Value
With the right strategy, you can sell quickly and walk away with cash in your pocket instead of letting the bank take it.
2️⃣ Get a Fast Cash Offer
Need a quick solution? I work with buyers who can purchase your home fast, allowing you to move on without the stress.
3️⃣ Creative Selling Solutions (Leasebacks, Short Sales, & More)
Every situation is different. If you need time or flexibility, I can help explore alternative solutions tailored to your needs.
Why Work with Me?
As a real estate professional, I specialize in working with government employees facing job loss. My goal is to help you make the best decision for your financial future—without pressure or judgment.
Are you looking to buy a home that needs a little (or a lot) of work? The FHA 203(k) loanis a powerful financing option that allows homebuyers to purchase and renovate a property with a single loan. But if you're buying inMaryland, there's an exclusive option that may be even better—theMMP FHA Limited 203(k) loanfrom theMaryland Mortgage Program (MMP).
In this blog, we’ll break down the key differences between these two loans and help you determine which one best fits your needs.
What is an FHA 203(k) Loan?
The FHA 203(k) loan is a government-backed mortgage that allows homebuyers to finance both the purchase price and the cost of renovations in a single loan. There are two types:
✅ Standard FHA 203(k) Loan
Covers major structural and non-structural repairs.
Minimum rehab cost: $5,000 (no set maximum).
Requires a HUD consultant for project oversight.
Includes complex projects like foundation repairs, room additions, and major remodeling.
Longer approval process due to extensive requirements.
✅ Limited FHA 203(k) Loan
Designed for minor renovations and cosmetic upgrades.
Max repair cost: $35,000.
No HUD consultant required, making the process faster.
Ideal for kitchen updates, painting, flooring, and minor roof repairs.
What is the MMP FHA Limited 203(k) Loan?
The MMP FHA Limited 203(k) loan is a Maryland-specific version of the FHA 203(k) Limited loan, offered through the Maryland Mortgage Program (MMP). This program provides the same benefits as the FHA Limited 203(k), but with additional perks exclusive to Maryland buyers!
🔹 Key Features of the MMP FHA Limited 203(k) Loan:
Available only through US Bank-approved 203(k) lenders.
Covers non-structural renovations (no major construction).
Max repair cost: $75,000 (higher than the standard FHA Limited 203(k)!).
No HUD consultant required, making it faster and more affordable.
Can be combined with MMP homebuyer assistance programs (potential savings on down payments and closing costs!).
Why Choose the MMP FHA Limited 203(k) Loan?
🏡 More Funds for Renovations: The $75,000 repair cap gives Maryland homebuyers more flexibility than the national $35,000 limit for the FHA Limited 203(k).
📉 Lower Costs & Simpler Process: No need for a HUD consultant means fewer fees and quicker approvals.
📍 Exclusive to Maryland Buyers: This loan is designed to help Marylanders buy, restore, and modernize homes while taking advantage of local incentives.
💰 Potential Down Payment Assistance: Eligible buyers may qualify for MMP grants or loan assistance programs to reduce upfront costs.
Which Loan is Right for You?
✔️ Choose the FHA Standard 203(k) Loan if:
You need structural repairs (foundation work, room additions, major remodeling).
Your renovation costs exceed $75,000.
You’re comfortable with a longer approval process.
✔️ Choose the MMP FHA Limited 203(k) Loan if:
You’re buying in Maryland and want a higher rehab limit ($75,000).
Your project is non-structural (kitchen/bathroom updates, flooring, painting).
You want faster approval and lower costs.
You want to take advantage of Maryland homebuyer assistance programs.
Final Thoughts
If you're buying a home in Maryland and need renovation financing, the MMP FHA Limited 203(k) loan is a fantastic option. It offers higher repair limits, fewer restrictions, and potential financial assistance, making homeownership more affordable and accessible.
💡 Want to learn more? Visit mmp.maryland.gov or contact singlefamilyhousing.dhcd@maryland.gov for details on eligibility and approved lenders.
Facing pre-foreclosure can feel overwhelming, but you’re not alone—and you have more options than you might think. Instead of letting your home go to auction or filing for costly bankruptcy, there are smarter solutions to protect your financial stability. By leveraging the equity you’ve built, you can avoid devastating losses and use the funds to clear other debts, maintain a healthy credit score, and work toward new goals. Let’s dive into how you can take control and start fresh.
Option 1: Sell Your Home Before Foreclosure
If you’ve built equity, selling your home before foreclosure is a proactive way to secure your financial future.
Avoid Auction Losses: Homes sold at foreclosure auctions often fetch much less than market value, leaving you with nothing.
Protect Your Equity: Selling on the open market helps you retain the equity you’ve built, allowing you to pay off debts, start fresh, or reinvest in a smaller, more affordable property.
Minimize Credit Damage: A foreclosure lingers on your credit report for seven years, but selling your home proactively can mitigate the impact significantly.
Option 2: Explore a Short Sale
For homeowners whose property is worth less than the mortgage balance, a short sale can be a viable solution.
How It Works: With lender approval, you can sell the home for less than what you owe, avoiding foreclosure.
The Benefits: Although it may slightly impact your credit, it’s far less damaging than a foreclosure or bankruptcy.
Option 3: Negotiate with Your Lender
Open communication with your lender can lead to solutions that help you avoid foreclosure, such as:
Loan Modification: Adjusting the terms of your loan to make payments more manageable.
Forbearance: Temporarily pausing or reducing payments while you regain financial stability.
Repayment Plans: Working out a plan to catch up on missed payments.
Option 4: Rent Out Your Home
If your home has rental potential, consider leasing it out to cover your mortgage payments. While this may not be a permanent solution, it can buy you time to figure out your next steps.
Why Bankruptcy Isn’t Ideal
Bankruptcy is often costly and carries long-term consequences, such as damaging your credit for up to 10 years. The money spent on legal fees could be better used to pay down other debts or fund a fresh start.
Take Action Today
You don’t have to lose everything to foreclosure. By selling your home, negotiating with your lender, or exploring a short sale, you can protect your equity, minimize credit damage, and secure a path to a brighter future.
I’m Judy England, and I always Keep It REAL in real estate. My team at Golden One Realty Concierge is here to guide you through every step of the process. Contact us today at 9664 Pennsylvania Ave, Upper Marlboro, MD, to discuss your options and start your journey toward financial freedom.
Don’t wait until it’s too late—call Golden One Realty Concierge now, and let’s work together to turn this challenge into a fresh start!
Hi there! I’m Judy England, your local real estate agent in Prince George’s County, and I’m here to keep it real with everything you need to know about buying a home in Maryland. With so many grants and programs available, you might feel a little overwhelmed—but don’t worry, I’ve got your back!
Backed by the amazing team at IGolden One Realty and Concierge, I’m ready to guide you through the process, help you secure the financial assistance you need, and get you into your dream home.
Maryland’s Best Grants and Programs for Homebuyers
There are plenty of resources in Maryland to help you achieve your homeownership goals. Here are some of the most popular options:
1. Maryland Mortgage Program (MMP)
Competitive interest rates and down payment assistance.
Ideal for first-time buyers or those purchasing in targeted areas.
Includes unique options like SmartBuy to help buyers pay off student loans.
2. Down Payment and Settlement Expense Loan Program (DSELP)
Offers up to $5,000 in no-interest loans for down payment and closing costs.
Must be combined with the Maryland Mortgage Program.
3. House Keys 4 Employees Program
Matches employer contributions up to $2,500 for home purchases.
Pairs perfectly with the Maryland Mortgage Program.
4. Partner Match Program
Matches funds from employers or community organizations up to $2,500.
Great for maximizing your financial resources.
5. Prince George’s County Purchase Assistance Program
Provides up to $10,000 for down payment and closing costs.
Specifically designed for buyers in Prince George’s County.
6. Community Development Block Grant Program (CDBG)
Offers funding for low- and moderate-income families in certain Maryland areas.
Aims to revitalize communities and make homeownership affordable.
7. Federal Home Loan Bank of Atlanta (FHLB) Programs
Includes grants for first-time homebuyers and public service workers.
Perfect for teachers, firefighters, healthcare workers, and more.
8. Neighborhood Stabilization Program (NSP)
Supports buyers purchasing and renovating foreclosed or abandoned homes.
Helps rebuild and strengthen local neighborhoods.
Why Work With Me, Judy England?
Buying a home is one of the biggest decisions you’ll ever make, and I’m here to make it easier for you. As your go-to real estate agent in Prince George’s County, I pride myself on honesty, transparency, and a deep understanding of the Maryland market.
Straightforward Advice: I’ll give you the facts you need to make smart choices.
Tailored Support: Every buyer’s situation is unique, and I’ll help you find what works for you.
Local Knowledge: From grants to neighborhoods, I know the ins and outs of Maryland real estate.
Let’s Make Your Dream a Reality
These incredible grants and programs are here to make homeownership a reality for you—and I’m here to help you take full advantage of them. Whether you’re a first-time buyer or upgrading to your next home, I’ll guide you every step of the way.
