Tim Kenney on Zillow My Baltimore Real Estate Listings

The Tim Kenney Group
Cummings & Co. Realtors
2314 Boston St.
Canton, MD 21224

(Direct) 443.475.0966
(Office) 410.675.1550


Buying A Home

Choosing a Location

Typically the first decision in any home search is choosing the location and neighborhood that suits your needs. www.BaltimoreMetroRealEstate.com was designed with this in mind allowing you to search by county, neighborhood, or zip code. When choosing a specific location, you want to consider many factors including proximity to the workplace, local shopping, interstates and main roads and school systems. Choosing the proper location may be the single most important factor in the purchase of your new home and it is important to hire a Real Estate Agent who is an expert in the given area.


After choosing a general location, a buyer will then encounter several different neighborhoods in or around that location that are of interest. Be sure to drive through the neighborhood during morning, afternoon, and night to get a sound feel for the neighborhood and its environment. Neighborhoods are often the dividing points for separate school zones. For information on Schools and zoning you can contact the School Board for the given county. Please click on the link's below for information to the following County Schools:

Baltimore County
Baltimore City
Harford County
Howard County
Carroll County
Anne Arundel County


The next logical Step is to find a reputable Mortgage Company to provide financing for your purchase. Please feel free to contact The Tim Kenney Group at (410) 303-6435 for a list of Loan Officers that we have done business with and would highly recommend for your financing needs.

Down Payment

The first question many buyers ask when they are considering the purchase of a home is 'How much do I need to put down?' The truth is that it depends on many different circumstances. These circumstances include: Credit Score, Household Income, employment History, and Savings (including 401k, stocks/bonds, checking/savings account and any other assets). The minimal amount down on a typical Primary Residence Real Estate Transaction is 3% which is known as an FHA Loan. Other loans include Conventional financing, Interest only products, and ARM (Adjustable Rate Mortgage) products. Which loan is right for you depends on your specific circumstance. The Tim Kenney Group has years of experience in Real Estate Financing. Feel free to contact us and we would be more than happy to guide you along through the process.

Choosing a Real Estate Agent

The best thing about being a buyer is that your agent's commission is paid for by the seller. This means that you have the opportunity to choose the best and it will not cost you a dime! In fact, choosing a top notch agent can actually save you both time and money by properly negotiating the deal and making sure you do not overpay for a home. An agent who is an expert in their given area knows when a home is an excellent or a poor buy and will encourage you to offer the correct amount. Feel free to contact us. We would be more than happy to meet you for a no cost consultation. We are always happy to meet new clients and we would be honored to work with you.

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