Use the following to chart to determine your monthly principal and interest payments at various interest rates for either a 15 or 30-year term.    Interest Rate Factors Per $1,000 InterestRates Term 15 Years Term30 Years InterestRate Term 15 Years Term30 Years 4 7.40 4.77 8 9.56 7.34 4 ¼ 7.52 4.92 8 ¼ 9.70 7.51 4 ½ 7.65 5.07 8 ½ 9.85 7.69 4 ¾ 7.78 5.22 8 ¾ 9.99 7.87 5 7.91 5.37 9 10.14 8.05 5 ¼ 8.04 5.52 9 ¼ 10.29 8.23 5 ½ 8.17 5.68 9 ½ 10.44 8.41 5 ¾ 8.30 5.84 9 ¾ 10.59 8.59 6 8.44 6.00 10 10.75 8.77 6 ¼ 8.57 6.16 10 ¼ 10.90 8.96 6 ½ 8.71 6.32 10 ½ 11.05 9.15 6 ¾ 8.85 6.48 10 ¾ 11.21 9.33 7 8.99 6.65 11 11.36 9.52 7 ¼ 9.13 6.82 11 ¼ 11.52 9.71 7 ½ 9.27 6.99 11 ½ 11.68 9.90 7 ¾ 9.41 7.16 11 ¾ 11.84 10.09   •1.  Find the appropriate interest rate from the chart above. •2.  Look across ... 11/22/2008

Fernando Herboso Columbia Maryland CONDO FOR SALE Thank you for visiting our website www.ReallyNiceHomes.com hope you found it to be  informative and most of all, the place to find a property if you are buying soon. . The condo you asked more information about is ENCLOSED HERE. Your question was: I am interested in this property what is the FINAL say on the price ? Mr BUYER, the short answer is that you will not find out about the final price until. .  you make an offer. Only then we can find out about the motivation of the seller. This property has been in the market for 34 days, too early to tell. . If you would like to see this place in person to consider putting an offer, please contatc me we only need a couple hours notice if you are ready to buy. TO CHECK... 11/16/2008

Are you planning your weekend of activities for the weekend in Howard County Maryland?   If, like me, you have a 2 year old who either wants to be a Fire Fighter or a Train Engineer, then be sure to stop by the 2008 HOWARD COUNTY FIRE EXPO Sunday October 19th 11am-3pm Oakland Mills High School 9410 Kilimanjaro Rd, Columbia. MD   Activities will include a Car Fire Demo, Auto Rescue Demo, Kids Fire Course, Fire Extinguishers, Haz Mat Display, Face Painting, Moon Bounce, Dunking Booth, Food and much more. Hopefully there will be plenty of Fire Trucks to Climb on! Ellie McIntire The McIntire Team 410-480-3398 410-750-8781(FX) 443-418-7668(cell) E-mail:  Ellie@LNF.com http://www.elliesteam.com/ We redefine the essence of service 10/15/2008

A great new restaurant in Columbia, MD, Victoria Gastro Pub was very much noticed in the 2008 Readerʼs Choice Best of Dining in the October issue of Howard Magazine. They won 12 awards. More than any other restaurant in one year, In all the years Patuxent Publishing Has been running this poll.   They won:   Best Overall Restaurant   Best New Restaurant   Best Bar Food   Best Happy Hour   Best Service On top of that, they won Honorable Mention for:   Ambiance   Brunch   Burgers   Desserts   Margaritas   Place to take out-of-towners   Wine List It you have not discovered this great new restaurant located at 8201 Snowden River ParkwayColumbia, MD 21045, maybe you should go see what all the fuss is about. Ellie McIntire The McIntire Team 410-480-3398 410-750-8781(FX) 443-418-7668(cell) E-ma... 10/11/2008

The grounds of the Howard County Community College will come alive this weekend with the 21st Annual Columbia Classic Grand Prix. Even if you are not an equestrian inclined person it is difficult to not admire the elegance of this event as majestic horses and Olympic-caliber riders bring the highest levels of show jumping competition to the heart of Maryland. It's a terrific spectator sport. "Ooh and ahh" as the competitors race around the course to beat the clock and avoid knocking into the jumps. There are pony rides, demonstrations, exhibits and food. A highlight of the day is the grand raffle for the MERCEDES BENZ. Only $100 per ticket. This event is the college's major fundraiser and benefits the HCC Educational Foundation, which provides financial assistance to HCC students seekin... 09/17/2008

View Real Estate For Sale in Columbia, Maryland Following is a list of neighborhoods/subdivisions in Columbia area. We offer FREE no obligation information on any subdivision in Columbia including recent home sale statistics, average selling price, schools, parks, community information and home values. Contact us today to learn more about subdivision(s) of your choice in Columbia, MD. Allview Estates Atholton Manor Barrington Woods Beaverbrook Beech Creek Beechin Hills Braeburn Brown Ridge Bryant Woods Carriage Hills Carters Cove Cedar Acres Cedar Manor Cedar Woods Clarks Crossing Clemens Corner Clemens Square Col Pk Col Town Center Colubia Town Ctr Columbia Columbia Town Center Cradlerock Farm Dalton Dasher Homestead Deering Woods Donleigh Eckers Hollow Egu Columbia Faulkner Ridge Fie... 09/09/2008

Columbia, Maryland is a 14,000-acre planned community situated midway between Baltimore and Washington, DC., and the city lies in the Piedmont region of Maryland, with its eastern edge at the fall line. In 2006, Columbia was rated 4th on Money Magazine's list of 100 "Best Places to Live" in the United States and in 2008, Columbia and Ellicott City were ranked #8. Visit my Columbia MD Real Estate site and view Columbia Maryland Homes, Columbia MD Townhomes/Condos for sale. View Homes For Sale in Columbia Maryland 08/26/2008

Columbia Maryland Real Estate includes nine villages and Town Center offering a broad mix of home styles and types at various price points. Columbia enjoys convenient access to Annapolis, the Chesapeake Bay and popular beach resorts. Three international and regional airports are located within an hour's drive from Columbia, with Baltimore - Washington International Airport only 20 minutes away. View real estate for sale in Columbia, MD Columbia Village – Neighborhoods Wilde Lake – Bryant Woods, Faulkner Ridge, Running Brook, The Birches Harper's Choice – Longfellow, Swansfield, Hobbit's Glen Oakland Mills – Thunder Hill, Talbott Springs, Stevens Forest Long Reach – Phelps Luck, Jeffers Hill, Locust Park, Kendall Ridge Owen Brown – Dasher Green, Elkhorn, Hopewell Hickory Ridge – Clemens... 08/26/2008

COLUMBIA MARYLAND REAL ESTATE IS UNIQUE FOR THIS AREA OF MARYLAND.  A planned community where no benefit for the home owners was overlooked.  Started in the 1960s, Columbia is a community of 10 "Villages", each with it's own community amenities and style.  One feature about Columbia that was planned throughout is the planned undeveloped areas, set aside for nature preserves, wooded acres and entertainment for residents and guests.                                                               Maryland State Flower - The Black Eyed Susan VILLAGE OF HARPER'S CHOICE If you like Contemporary architecture, you'll love many of the homes in Villages of Harper's Choice. This was the third Columbia Village. VILLAGE OF WILDE LAKEWilde Lake, dedicated in June, 1967 is Columbia's first Village. Bui... 08/05/2008

  When I first moved to the Kings Contrivance village of Columbia, there was a grocery store in the village center that was convenient but old and fairly depressing. It was replaced in short order by a Safeway that was better, but not much. I always found their store arrangement puzzling; aisles marked "Breakfast" and "Dinner" didn't actually tell me what I would find there. And what was plastic wrap doing in the "Dinner" aisle anyway? The worst part was that it never seemed quite as clean as it might be, and some genius had ordained that there should be music aimed at 20-somethings played loud enough to make it hard to concentrate when I was reading a nutrition label. The best I could say for the store was that it was convenient, but that wasn't enough to keep me as a customer. I chose... 08/04/2008

For the second time in three years, Columbia, MD placed in the top 10 on the CNN/Money list of Best Places to Live. Now 41 years old, this planned community came in as the 8th Best Place to Live for 2008, after placing 4th in 2006. Though the CNN/Money list links Columbia to Ellicott City, people in both cities will tell you there's a big difference between them. Ellicott City's history reaches back more than 200 years to 1772 when the three Ellicott brother established a flour mill on the Patapsco River. Their Ellicott's Mills became one of the largest milling towns in the East. Old Ellicott City is now a haven for antique shoppers. Columbia is the new kid on the block, having been created out of 14,000 acres of farmland in the 1960's. Developer James Rouse envisioned a place where peo... 07/28/2008

The following is the market report for Columbia 21046 zip code, Maryland in the last 30 days of activity as of July 23rd, 2008 Total Active Resale Properties: 94 Number of Active Detached homes: 32 New listings in the past 30 days: 27 Total properties under contract: 20 Properties sold in the past 30 days: 16 Average sold price: $387,662 Low Sale Price: $233,400 High Sale Price: $550,000 Average Days on Market: 76 If your interested in buying a home in Columbia, Maryland, please contact The Mcintire Team of Long & Foster Real Estate.   Ellie McIntire The McIntire Team 410-480-3398 410-750-8781(FX) 443-418-7668(cell) E-mail:  Ellie@LNF.com http://www.elliesteam.com/ We redefine the essence of service 07/23/2008

The following is the market report for Columbia 21046 zip code, Maryland in the last 30 days of activity as of June 17th, 2008 Total Active Resale Properties: 109 Number of Active Detached homes: 37 New listings in the past 30 days: 31 Total properties under contract: 19 Properties sold in the past 30 days: 19 Average sold price: $334,941 Low Sale Price: $227,100 High Sale Price: $499,900 Average Days on Market: 105 If your interested in buying a home in Columbia, Maryland, please contact The Mcintire Team of Long & Foster Real Estate.   Ellie McIntire The McIntire Team 410-480-3398 410-750-8781(FX) 443-418-7668(cell) E-mail:  Ellie@LNF.com http://www.elliesteam.com/ We redefine the essence of service 06/17/2008

The following is the market report for Columbia 21045 zip code, Maryland in the last 30 days of activity as of June 17th, 2008 Total Active Resale Properties: 249 Number of Active Detached homes: 108 New listings in the past 30 days: 61 Total properties under contract: 46 Properties sold in the past 30 days: 42 Average sold price: $342,089 Low Sale Price: $165,000 High Sale Price: $599,900 Average Days on Market: 76 If your interested in buying a home in Columbia, Maryland, please contact The Mcintire Team of Long & Foster Real Estate.   Ellie McIntire The McIntire Team 410-480-3398 410-750-8781(FX) 443-418-7668(cell) E-mail:  Ellie@LNF.com http://www.elliesteam.com/ We redefine the essence of service   06/17/2008

The following is the market report for Columbia 21044 zip code, Maryland in the last 30 days of activity as of June 17th, 2008 Total Active Resale Properties: 247 Number of Active Detached homes: 98 New listings in the past 30 days: 61 Total properties under contract: 61 Properties sold in the past 30 days: 36 Average sold price: $387,241 Low Sale Price: $149,900 High Sale Price: $899,900 Average Days on Market: 132 If your interested in buying a home in Columbia, Maryland, please contact The Mcintire Team of Long & Foster Real Estate.   Ellie McIntire The McIntire Team 410-480-3398 410-750-8781(FX) 443-418-7668(cell) E-mail:  Ellie@LNF.com http://www.elliesteam.com/ We redefine the essence of service   06/17/2008

FIRST TIME HOME BUYERS PROGRAM FOR COLUMBIA, MARYLAND.   REAL ESTATE BUYERS IN HOWARD COUNTY, MARYLAND CAN RECEIVE A $10,000.00 GRANT that may be used for DOWN PAYMENT and/or CLOSING COSTS. HOMEFINDERS.COM has partnered with a local bank to provide our First Time Home Buyers for COLUMBIA real estate with a GRANT of up to $10,000.00.   Loan limits are up to $350,000.  Home buyers in COLUMBIA can get this $10,000 GRANT to help purchase the home of their choice. CALL Lenn Harley to make application, 800-711-7988.                  *Grant money of up to $10,000 is available NOW to be used for Down Payment and/orClosing Costs for the buyer to purchase the home of your choice.*You may select a Single Family Home, a Town Home or a Condo Home.*There are no fees to the Seller.  Seller contributio... 06/13/2008

The Columbia Association in Columbia, MD is the largest Homeowners' Association in the country.  It provides hundreds of programs and services.  Columbia was James Rouse's brain child.  He said, "There really can be no other right purpose of community except to provide an environment and an opportunity to develop better people.  The most successful community would be that which contributed the most by its physical form, its institutions and its operations to the growth of people."  The Columbia Association or CA strives to enhance the quality of life for people living and working in Columbia, to respect the land, to foster the growth of individuals to ensure that the community remains open, integrated and caring.  CA is a private, nonprofit property owners association. CA operates a wel... 06/03/2008

My friend Peg and I sat by the window for lunch in a restaurant overlooking Columbia's largest lake. It was a perfect afternoon, gentle breeze, and sun flickering through the trees. As we ate, we noticed a young couple arrive and settle on a bench, obviously very much in love. With them came two men, one with a video camera and the other with a still camera with a lens more than a foot long – obviously a pro. Throughout our lunch they talked, posed, and hugged each other. The photographer moved around for different angles, and the videographer had them talking and laughing. As we left, they were just finishing, so we walked over to tell the couple we had enjoyed their photo shoot. Sure enough, it was for their wedding. Now you probably expect me to say we started talking about where the... 05/31/2008

Yoga for Runners (edit/delete)   Its back -- for those of you who missed the workshop in early May have another opportunity to attend.     Well -- A Workshop titled Yoga for Runners will combine the two exercises. Explore - How yoga can help you to improve your running technique:   Date:            Saturday, May 31st, 2008 Time:            12:00 - 2:00 pm Cost:            $60.00 Location:    Lifetime Fitness http://www.lifetimefitness.com7220 Lee Deforest DrColumbia, MD 21046(410) 953-0022   Attend the workshop and learn what yoga and running have in common.      For more information contact: Darcy Burkholder, 443-430-2171 or e mail dburkholder@lifetimefitness.com    05/29/2008

FREE Howard County "Paying off your Mortgage faster" FREE Keys to Paying off your home in 1/2 to 1/3 it normal takes Seminar!!!.Saturday, May 17th 2 Convenient Times, 1 Convenient Location,  + FREE Individual Consultations (If Desired)· FREE information· FREE light food and drink, door prizes / giveaways· NO MONEY DOWN programs available· Get a FREE credit analysis and tips on improving creditMake it yours, We'll Show You How. Free and ClearTMThe Money Merge Account System is an interest-reducing program.NO refinancing of your existing mortgageNO change in your monthly mortgage paymentMinimal change to your existing lifestyle. A FREE analysis is available from me at dgunter@dmgloan.com or visit my website at http://www.dmgloanmma.com/ when you get there push the yellow button, and then ... 05/08/2008