Harry & Scott Sanders, Father/Son Real Estate Team Since 1995

Harry & Scott Sanders, Father/Son Real Estate Team Since 1995 As a leading real estate team in Baltimore and Harford Counties, Harry and Scott Sanders know what it takes to create successful results in this market. Harry and Scott will help you stay up to date on current real estate trends.
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We are available to help with any real estate questions. Please contact us today!
04/15/2020

We are available to help with any real estate questions. Please contact us today!

04/10/2020

There have been several reports of “Zoom bombing” incidents, where a malicious actor disrupts the Zoom teleconferencing app with disturbing results. Please see the FAQs below to assist you in answering common questions and to better secure your Zoom meetings.

What is Zoom Bombing?
Hackers gain access to Zoom meetings and attempt to disrupt the video chat by shouting profanity or racial slurs or putting
disturbing or offensive images in their video feed.

How do malicious actors join Zoom meetings to which they are not invited? The majority of Zoom bombing attacks are not the result of flaws in Zoom’s code, rather, they result from the end user’s overall cybersecurity hygiene and incorrect usage of Zoom’s privacy settings. If a Zoom meeting is set to “public”, it can be accessed by anyone who has access to the meeting link.

How can I prevent Zoom bombing of my meetings and video calls?
There are several important ways to protect your meetings as follows below:
1. Do not share meeting links publicly. Do not post meeting links via Facebook groups. promotional tweets, or publicly
available social media outlets. Instead, distribute information via a more private method, such as email.
2. Set your meetings to “private.” Zoom now sets all new meetings to “private” by default, requiring attendees to provide a password for access. Do not make meetings “public” for convenience.
3. Do not use your personal meeting ID. Every registered Zoom user has a personal meeting ID, linked to a permanent virtual meeting room. This ID does not change, and sharing it publicly increases the chance that future meetings using your personal ID may be Zoom bombed.
4. Share your personal meeting ID only with your most trusted contacts. Generally, while Zoom will prompt you to use your
personal ID for “instant” meetings, scheduled meetings will use a one-time meeting ID, reducing risk. If you’re concerned that you may have already shared your personal meeting ID in an insecure way, contact Zoom directly to have it changed.
5. Restrict video sharing. If the meeting host is the only person who needs to share a video, such as in a seminar or presentation, the host should change Zoom’s screen-sharing setting to “Host only.”

04/08/2020
We will let you know when we have a new date & time
03/17/2020

We will let you know when we have a new date & time

03/16/2020

Like all of you, we have been actively monitoring the developments around the coronavirus. It’s a fluid situation that’s continuously changing. The long-term impact is not yet known, but here’s a look at the current conditions, as of March 16.

All-Time Low Mortgage Rates: Over the past year or so, mortgage interest rates have been declining as more money flows into the bond markets, and they are now are at an all-time low. As of March 12, Freddie Mac reported a weekly average 30-year fixed rate mortgage of 3.36%, compared to 4.31% around the same time last year. This almost 1% change can increase a consumer’s buying power significantly.

Appreciation Remains Steady: Real estate remains a solid investment with proven appreciation over time. Historically, we’ve seen homes increase in value nearly 5% per year nationwide. In times of stock market volatility, consumers and investors will often flee from equities and put their money into the purchase of real estate as they know it’s an asset with multiple lines of revenue—appreciation, tax advantages, potential cash flow from rental income and loan principle pay down.

We will continue to evaluate the market as we move forward, and will keep you updated. As always, we are here for any of your real estate questions.

03/05/2020

"UPDATE 3/5: HB 1628 Sales Tax on Services was voted down in Ways & Means Revenue Subcommittee late last night! The bill will be considered officially defeated once the full committee meets to vote it down either today or tomorrow. There is another bill HB 1354 - Sales and Use Tax on on Services bill that Maryland REALTORS Legislative Committee voted for a No Position since it does not include a tax on real estate services. We will continue to monitor this bill, however, and keep you updated."

Do you have confidential STUFF that you are afraid to throw out? We are offering this FREE "Shred It Day" at our office....
03/04/2020

Do you have confidential STUFF that you are afraid to throw out? We are offering this FREE "Shred It Day" at our office. By the way, we greatly appreciate your referrals for anyone who is looking to buy or sell a home. I have been a Realtor since 1995 and my father since 1983. See you Saturday March 28th!

03/03/2020

Tax season is upon us and the April 15 tax filing deadline will be here before we know it. As you prepare your 2019 taxes—if you haven’t already done so—here are a few housing-related items to keep in mind:

Home interest deductions.

· Mortgages that closed before Dec. 14, 2017: A married couple filing jointly and single filers can deduct mortgage interest on a combined debt limit of $1 million.

· Mortgages that closed after Dec. 14, 2017: For both primary residences and second home loans, mortgage interest can be deducted on a combined debt limit of $750,000.

Property tax deductions.

Taxpayers who itemize can only deduct up to $10,000 on a combination of state and local property, income and sales taxes.

Capital gains tax exclusions.

Married-joint filers can exclude up to $500,000 and single filers can exclude up to $250,000 when selling their primary home, provided they’ve lived there two of the past five years.

Those are just a few of the key tax laws related to housing, and your tax advisor can provide you with specifics on these and many other requirements and how they apply to you.

If you have any real estate-related questions or if you know of someone who is interested in buying or selling a home, please do not hesitate to contact us. We look forward to helping you with all your real estate needs.

12/27/2019

WINTER HOME PREP SUGGESTIONS (in case you forgot!):
1.Turn off outside water faucets. Close valves inside the house & drain any remaining water from the outside spigot. Be sure to disconnect & drain garden hoses too!
2. Clear gutters of leaves/debris and downspouts
3. Test your smoke and carbon monoxide detectors. Since 2018, Maryland requires detectors with 10 year sealed batteries.
4. Insulate exposed pipes, especially in older homes where running water lines are in the attic or crawl spaces.

My Dad and I attended the annual Harford Million Dollar Real Estate Association Christmas luncheon today. The luncheon i...
12/04/2019

My Dad and I attended the annual Harford Million Dollar Real Estate Association Christmas luncheon today. The luncheon is a major fundraiser for Habitat for Humanity and a number of other organizations.

12/03/2019

DECEMBER 2019 - Real Estate Market Update: If you’re thinking of buying or selling a home in 2020, you’re likely wondering what’s expected to happen in the housing market. Here are a few trends that our team at Long & Foster Real Estate expects to impact the market next year.

Resolution of uncertainty in the world economy could affect interest rates. Interest rates have been at historic lows the past few years largely due to investors flocking to US treasuries and rates are likely to remain low next year. However, should more stability in the world economy evolve via resolutions of the trade disputes and/or Brexit, mortgage rates may rise in response as money is moved out of the bond market.

Consumer confidence will remain strong. Consumer confidence is one of the most important leading indicators for the housing market since it requires optimism to make a long-term commitment to a house.

Inventory issues will continue to affect buyers looking for low- to mid-priced homes. The lack of listings has been severe for mid- and lower-priced homes, where demand outpaces supply, while the luxury market has plenty of inventory to meet demand.

New construction, especially of starter homes, may slow. While demand remains for new homes, the cost of land and materials, the shortage of skilled labor and overall regulatory environment are making it expensive to build.

Price appreciation will remain healthy. A modest rise of about 2% to 6% is expected in 2020, which is a solid gain—but not an indication of a bubble.

Home sales will be brisk, particularly for low- to mid-priced homes. The number of home sales should continue strong in 2020. It’ll remain a seller’s market for mid- to low-priced homes, while buyers will have more options in the mid- to upper-price ranges.

If you have questions about how these trends may affect you, let me know. As your local real estate expert, I’m here to help you with all your buying and selling needs.

Thank you!

Scott

07/02/2019

It’s hard to believe we’re more than halfway through 2019. For those of you who are thinking of buying or selling a home this year, you might be wondering how the real estate market has shaped up so far this year. While all real estate is local, a few trends have emerged nationwide.

Inventory shortages. Baby boomers are choosing to age-in-place and aren’t downsizing at the anticipated rate, so their homes are not opening up for new buyers. Concurrently, homeowners who refinanced or purchased their home with mortgage rates in the low 3% range are sitting tight because they don’t want to lose those rates. Those conditions have led to declining number of homes for sale.

Declining mortgage rates. Industry experts predicted mortgage rates would rise above 5% this year, but the opposite has occurred, with interest rates on a downward trend in 2019. At the end of June, Freddie Mac reported a 30-year fixed rate mortgage average of 3.73%, compared to 4.55% around the same time the year prior. Global market conditions and foreign investments in the U.S. economy are driving these declines.

Homeownership growth. Homeownership rates in the United States have been rising since late 2015, holding steady at around 64% of Americans. We’re in a healthy place now, where regulatory control ensures that those who qualify for a loan can truly afford to repay it and moderate price appreciation keeps homeownership possible for more buyers.

If you want to know more about what’s happening in the market, let me know. I can share with you one of Long & Foster’s many valuable market reports, providing you expert insights on hyper-local conditions down to even the neighborhood level.

This is a FREE service we provide on March 30th. You do NOT need to keep all your stuff forever!!
03/21/2019

This is a FREE service we provide on March 30th. You do NOT need to keep all your stuff forever!!

03/05/2019

Tax day is just over a month away, and the Tax Cuts and Jobs Act is now in effect, which means there are new requirements for homeowners. The media covered the changes in much detail in early 2018, and I wanted to share a few housing-related highlights with you as you get ready to file your taxes.

As you may know, the number of income tax brackets remains the same, but they include lower tax rates. Several itemized deductions, including moving expenses except with military households, interest on home equity loans unless used for home improvements, and more, have also been reduced or eliminated.

Here are a few other important changes to keep in mind.

• Mortgage interest deductions are limited to a combined $750,000 of debt for both primary residences and second homes for any loans taken out after Dec. 14, 2017. Current homeowners with loans made before that date are grandfathered into the previous deduction, allowing a combined debt limit up to $1 million.

• State and local tax deductions are capped at a combined $10,000 – this includes state and local property, income and sales taxes. Previously, these were fully tax deductible.

• Capital gains tax exclusions remain the same when you sell your house. Married-joint filers can exclude up to $500,000 and single filers can exclude up to $250,000 when selling their primary home, as long as they’ve lived there two of the past five years.

The Tax Cuts and Jobs Act also brings changes to real estate investors, including new pass-through tax deductions and expanded expensing, among other potential benefits. Your tax advisor can provide you with specifics on all of these changes and how they apply to you.

As always, if you have any real estate-related questions, please feel free to contact us. We look forward to helping you with your future real estate needs.

12/04/2018

This Sunday, Dec 9th, from 1-4:00 at the Jerusalem Mill in Kingsville, "Christmas in the Village". Here are some details: McCourtney’s GENERAL STORE - “Old Time Radio Broadcasts” from 1940-1950s including “Father Knows Best”, “Jack Benny “, “Our Miss Brooks”, “The Life of Riley”,” Yours Truly”, “Johnny Dollar” and many more will be playing. VISITOR'S CENTER/MUSEUM IN MILL – Christmas Tree with Victorian Decorations and refreshments. BLACKSMITH SHOP - Blacksmith on duty plus refreshments. MILLER'S HOUSE & GUN SHOP – Making Wildlife Tree Ornaments, Cranberry
Wreaths. Donations are Welcome....Merry Christmas to all!!

Don't stand in the long line at the Mall for a photo with Santa! We have crafts, face painting, cookies, and punch too.
11/26/2018

Don't stand in the long line at the Mall for a photo with Santa! We have crafts, face painting, cookies, and punch too.

06/04/2018

Do you know what your Homeowners Insurance Policy does NOT cover? Your coverage probably includes caps for certain types of personal property. Art, jewelry, sports memorabilia and items of high value may need a rider or endorsement to be fully covered. For example, your policy may only cover an engagement ring up to $5,000, even if the ring is valued much higher.

Most homeowners insurance policies don’t cover flooding. Instead, coverage is available through the National Flood Insurance Program and through a few private insurers.

Additionally, damage from water/sewer backups, including sump pump malfunction, isn’t typically covered, though you may be able to purchase an endorsement for it. An endorsement is inexpensive and is something you should discuss with your insurer.

We would be glad to put you in touch with a Long and Foster Insurance agent if you have questions.

As a FREE service, we are offering a "Community Shred It Day" at our Long and Foster office on Saturday, April 28th from...
04/19/2018

As a FREE service, we are offering a "Community Shred It Day" at our Long and Foster office on Saturday, April 28th from 11-1:00. Refreshments will be served!

03/08/2018

The new tax law, which went into effect on January 1. While the tax changes will not affect your 2017 filing, it is advisable to be aware of what is in store for next year. Hopefully, this information will help you on that front as it relates to your real estate holdings/investments.

The number of income tax brackets remains the same, but they include lower tax rates. The new tax bill also eliminates or reduces several itemized deductions, including moving expenses except with military households, interest on home equity loans unless used for home improvements, and more.

Here are a few important real estate-related results of the new tax bill to keep in mind.

·
Mortgage interest deductions are now limited to a combined $750,000 of debt for both primary residences and second homes for any loans taken out after Dec. 14, 2017. Current homeowners with loans made before that date, however, are grandfathered into the previous deduction, which allowed a combined debt limit up to $1 million.

State and local tax deductions are now capped at a combined $10,000 – this includes state and local property, income and sales taxes. This will largely affect taxpayers in higher-tax states.

Capital gains tax exclusions remain the same when you sell your house. Married couples filing jointly can still exclude up to $500,000 when selling their primary home, as long as they’ve lived there two of the past five years.

Investment properties were largely unaffected by the new tax bill. As such, you will continue to enjoy the same financial benefits for any investment property you currently own or those you may buy in the future.

While the inventory shortage will likely continue through 2018, this is a great time to invest in real estate. Homes are appreciating, interest rates on mortgage loans are still around historical lows and there are tax advantages for property and business owners.

As always, if you have any real estate-related questions, please feel free to contact us. We look forward to helping you (and anyone you know) with your future real estate needs.

02/05/2018
Harry and Scott Sanders

In this short video we talk about how we can help a buyer or seller in the real estate market.

01/11/2018

In today's competitive homebuying market, it's more important than ever for buyers to be pre-approved for a mortgage BEFORE starting the home shopping process. We can put you in touch with a local lender who can tell you everything you need to know.

Address

3004 Emmorton Rd
Abingdon, MD
21009

Opening Hours

Monday 09:00 - 21:00
Tuesday 09:00 - 21:00
Wednesday 09:00 - 21:00
Thursday 09:00 - 21:00
Friday 09:00 - 21:00
Saturday 09:00 - 21:00
Sunday 09:00 - 21:00

Telephone

(410) 879-8080

Website

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Our Story...

“Dad, can anything be done to save the mill?”

It was a simple question from a 12-year-old Scott Sanders. Having grown up just down the road from historic Jerusalem Mill, he spent plenty of time admiring the old buildings, some of which have stood since the 18th Century. One day after a storm, Scott had noticed that a tree had fallen on the roof of the gristmill, which prompted him to ask his father, Harry, this question that would help cement the Sanders’ family legacy in the Kingsville community.

A 25-Year Crusade

Harry himself has a strong connection to the history of the village. He’s lived on the family farmland just a quarter-mile down the road since 1947 and it’s where he and his wife, Carol, raised Scott and his sister, Kristen. So what started as a few calls to government officials and Gunpowder Falls State Park representatives quickly turned into a crusade for Harry. He eventually helped form the Friends of Jerusalem Mill Village, and after 10 years of fighting through red tape and raising the funds necessary, they were able to begin a comprehensive restoration project that took another 15 years to complete. Today, the village buildings, as well as the renovated Jericho covered bridge, stand as a testament to the hard work of Harry and many other people in the community who cherish the rich history of this area.

Local Connections

Scott and his wife, Denise, bought another historic home within a mile of the mill, where they are raising their two daughters, Ellen Marie and Cadia. As a family, the Sanders take pride in their strong heritage in the Kingsville community. Harry and Scott are both very active through their church and enjoy making the most of life here. Whether they are hiking in the Gunpowder Falls State Park, fishing on their boat in the Chesapeake Bay or spending quality time with the family, there are many activities they enjoy together. Harry is also an avid skier and enjoys taking yearly trips out West. Scott also enjoys staying active, whether he’s working out at the local athletic club, tending to his garden or driving into Baltimore for Orioles and Ravens games.

A Shared Passion

Harry and Scott’s shared sense of heritage and passion for the lifestyle found throughout Baltimore and Harford Counties are what drive them as one of the area’s premier real estate teams. A former teacher, Harry began his real estate career more than 25 years ago and has built a sterling reputation for quality service. Scott also spent several years as a local physical education teacher and coach before deciding to join his father in real estate back in 1995. Together, they have been able to make a lasting impact in the community they love so much.

Powerful Combination

When you combine Harry’s depth of local real estate experience and attention to detail with Scott’s knowledge of technology and marketing, it’s easy to see why they’ve become such a trusted resource. They are both highly goal-oriented, which is why they work with you every step of the way to keep you educated throughout the process and help you make sound investment decisions.

A Heritage of Quality

If you are buying or selling a home in Baltimore and Harford Counties, count on a real estate team with A Heritage of Quality. Call Harry & Scott Sanders today and see how they are continuing to make history every day.