1.

Financial + Market Concerns

Affordability:

Homeownership is achievable. My lenders review your full financial picture to find loan programs and payment plans that fit your needs. Buyers often discover more flexibility than expected once we run the numbers.

Down payment & closing costs:

Most buyers don’t need 20% down—many qualify with as little as 3% or even 0%. Credits, grants, and seller concessions can lower out-of-pocket costs. I help you understand your options and connect you with lenders offering these programs.

Ongoing expenses:

We’ll help you budget for monthly costs by informing you of expenses like taxes, insurance, utilities, and maintenance so you know what to expect and stay within your comfort zone before making an offer.

Market uncertainty:

Instead of timing the market, we focus on finding a home that fits your life, budget, and goals. If rates drop later, refinancing is an option. Real estate benefits long-term owners, not short-term timing.

2.

Risks + Long-Term Commitment

Unexpected repairs:

Major repairs feel scary, but there are ways to protect yourself. We can look for homes with newer systems, review seller disclosures carefully, and use inspections to uncover issues before you commit. Plus, home warranties and a small emergency fund can soften the impact of unexpected repairs.

Income instability:

Lenders factor job changes and income fluctuations into their approval process. We’ll choose a monthly payment that feels comfortable now and still realistic if things shift. If income does change later, options like refinancing, loan modifications, or temporary relief programs can help you stay protected.

Being tied down:

Buying a home doesn’t lock you in forever. Many of my first-time buyers move within 5–7 years, and with the right purchase strategy, you can preserve flexibility. If plans change, you can sell, rent the home out, or explore other exit options. The key is buying smart so you keep control over your future.

3.

“What if the market changes?”

Everyone worries about timing the market.

I’m here to help you make smart decisions based on your goals, not whatever’s in the news cycle.

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.

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.

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.

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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