About the Ocean City and Ocean Pines, Maryland Area
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Named an "Outstanding Community for 2000" by Searchers, Inc., the Ocean City - Salisbury & Worcester County area provides superior quality of life for active adults and growing families. The diversity of the area provides residents with a myriad of lifestyle options. From retirement communities, family settings, beach dwellings and high rise condos to massive farms, the area offers colorful patches on a quilt of choices. |  | | | Lighthouse Sound home | |
Covering a land area of 475 square miles, Worcester County is bordered on the south by Virginia and the north by Delaware. The elongated stretch of land provides the only seacoast in Maryland beginning with Ocean City on the north and extending down through Assateague Island to reach Virginia.  |  | | Assateague Island Sika Deer |
The topography of the county ranges from dune crested beaches to nearly 13,000 acres of state forest. The weather typically remains mild with the influence of the ocean breezes. Average temperatures in January are 38 degrees and 77 degrees in July. Rainfall amounts average 49" annually with 12" of snow falling on average in the winter. Employment in the county is dominated by the tourism industry. Sixty-three percent of all county wide employment is in the retail and services sectors. Tax incentives are offered to attract business and manufacturing to the area. Taxes on property in the county are low and county income tax levels are the lowest in the state of Maryland. A wealth of activities and organizations provide area residents with opportunities to become involved. From charitable to arts to business and fraternal, there is a place for anyone to share their particular interests with others.
 | | | Deer Point has many homes surrounding lakes. | |
Education is a priority to area residents. From the smallest of scholars to senior citizens seeking new knowledge, the opportunities abound. Truly, life in the Ocean City area has fulfilled the promise of the good life for those who live by the great expanse of the Atlantic Ocean.
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Making An Offer >Evaluating the First Offer
Your dining room table is the scene of high drama. Your home has been listed for sale for six weeks, and finally, the first offer has come in. You are meeting with the agents, and are very excited until they mention the price--it is a lot less than you expected.
Before you feel offended, however, remember that the first offer is often just the beginning of a negotiating process. Your agent can help you weigh the good and bad points, evaluating the price in relationship to the terms or conditions of the sale. Sometimes an offer with a low price can look quite attractive once you understand all of the terms. If you are willing to make some compromises, the buyers may accept a counter offer that will give you more money. A lower price from highly qualified buyers may be better than one from people who may have difficulties with financing. Keep in mind that your first negotiated price is often your best price!
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| Q |
What is a Balloon Mortgage?
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| A |
A balloon is a short-term mortgage which requires the entire balance of the loan to be re-paid at the end of the loan term.
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