1. Financial + Market Concerns

Affordability:
High home prices, rising costs of living, and interest rates make buyers wonder if homeownership is even possible.

Down payment & closing costs:
Saving upfront cash is a major barrier. Many buyers assume they need far more than they actually do.

Ongoing expenses:
Property taxes, insurance, utilities, and maintenance can stretch a tight monthly budget.

Market uncertainty:
People fear buying at the “wrong time” — worrying that prices or rates might drop right after they close.

Start Step 1

2. Risks + Long-Term Commitment

Unexpected repairs:
A broken HVAC, roof issue, or sewer line can be terrifying when every dollar counts.

Income instability:
Many wonder what happens if a job changes or income drops after signing a 30-year mortgage.

Being tied down:
Buying means committing to a location — and the cost of selling makes changing plans more complicated.

Let's Talk

3. “What if the market changes?”

Everyone worries about timing the market.
My job is to help you buy wisely based on your goals, not headlines from the FED.
I track Baltimore neighborhoods daily — Canton, Fells Point, Brewers Hill, Patterson Park, Federal Hill, Locust Point, and beyond — so you’ll always have real context and clear guidance.

Learn more

4. “I’m not sure
if I qualify for a mortgage.”

Most buyers underestimate what they qualify for.
I’ll help you understand:

What lenders look for
Your credit + loan options
Realistic monthly payments
Loan programs that fit your situation

No pressure, no judgment — just clarity.

Learn more

5. “The process seems overwhelming.”

It doesn’t have to be.
I’ll walk you through every step:

Pre-approval
Neighborhood selection
Touring homes
Writing a smart offer
Inspections & appraisal
Closing
Move-in

You’ll always know what comes next.

Learn more

FREE DOWNLOAD

First-Time Home Buyer Guide

Everything you need to know — in 10 minutes.

Stu Greenwell
Cummings & Co. Realtors
Roland Park/Canton/Columbia
222 W. Cold Spring Lane, Baltimore, MD 21210
Office 410.823.0033 • Cell: 202-550-5848
Email: justaskstu@gmail.com

1. Financial + Market Concerns

2. Risks + Long-Term Commitment

3. “What if the market changes?”

4. “I’m not sure if I qualify for a mortgage.”

5. “The process seems overwhelming.”

FREE DOWNLOAD

First-Time Home Buyer Guide

4. “I’m not sure
if I qualify for a mortgage.”