Keeping it Real Estate

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Keeping it Real Estate

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Our mission is to demystify the buying and selling process, ensuring that clients feel

Keeping It Real Estate is a dedicated real estate business focused on providing transparent, honest, and personalized service to clients navigating the property market.

11/04/2026

Here’s how I think about a first home.

Buy what fits your life and budget today. Then keep your bigger goals in view, whether that’s more space, a different neighborhood, or simply more financial breathing room.

A home that fits now can be one step on a longer path. I can’t promise what the future market will do, but I can help you make a choice that works on its own and keeps your options open.

💬 DM **“NEXT”** and let’s map out your next step.

Judy England
iGolden One Realty & Concierge LLC
9664 Pennsylvania Ave, Upper Marlboro, MD 20774
Cell: 443-584-3679 | Office: 301-443-8645
[email protected] | JudyEngland.com
Real Estate. Real Strategy. Real Results.

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11/04/2026

**SHORT SALES JUST GOT FASTER! ARE YOU UNDERWATER ON YOUR MORTGAGE?**

You could be making your mortgage payments ON TIME and still be in a difficult financial position.

Here's what many Maryland homeowners don't realize:

Your home is worth $550,000
You owe $610,000
That's **$60,000 in NEGATIVE EQUITY!**

**What does that mean?**

Negative equity means you owe more on your mortgage than your home is currently worth.

And if you need to sell, you may not have enough equity to pay off your mortgage and cover the costs of selling.

**That's where a SHORT SALE may come in.**

A short sale is when your mortgage lender agrees to allow your home to be sold for less than the outstanding mortgage balance, subject to lender approval.

The good news? Some lenders have streamlined their short sale processes, which may help reduce delays for qualifying homeowners. Timelines and requirements vary by lender.

And here's something else you should know:

**You don't necessarily have to be behind on your mortgage to explore a short sale!**

Whether you're facing financial hardship, relocating, going through a divorce, or simply need to sell a home with negative equity, you may have options.

Before you drain your savings, stop making payments, or assume foreclosure is your only choice, let's talk strategy.

**DM ME "SHORT SALE" to learn how the process works and whether it could be an option for you.**

No judgment. No pressure. Just real information and real solutions.

**Judy England | REALTOR®**
iGolden One Realty & Concierge LLC
Real Estate. Real Strategy. Real Results.
443-584-3679
[email protected]

11/03/2026

Who pays for what? It’s one of the most important condo questions, and one of the most overlooked.

There are usually three layers:

🏢 The association: what the condo fee and master policy cover.

🏠 You: your responsibilities for the unit’s interior, belongings, and HO-6 insurance, based on the association documents and your policy.

🛠️ A home warranty, if one is offered: a separate contract with its own terms, exclusions, and service fees.

For Big Chimney, I’ll walk you through the documented inclusions and exclusions so you can better understand your responsibilities before closing.

💬 DM **“DETAILS”** for the breakdown.

Judy England
iGolden One Realty & Concierge LLC
9664 Pennsylvania Ave, Upper Marlboro, MD 20774
Cell: 443-584-3679 | Office: 301-443-8645
[email protected] | JudyEngland.com
Real Estate. Real Strategy. Real Results.

** ** ** ** ** ** ** **

11/03/2026

Take a closer look at 126 Big Chimney Branch.

Swipe through the living room, the open living and dining area, and the kitchen. These are real rooms, shown as they are.

Could this be the start of your next chapter? It depends on your budget and your plans, and I’m happy to help you figure that out.

💬 DM **“CHIMNEY”** for current details and a private showing.

Judy England
iGolden One Realty & Concierge LLC
9664 Pennsylvania Ave, Upper Marlboro, MD 20774
Cell: 443-584-3679 | Office: 301-443-8645
[email protected] | JudyEngland.com
Real Estate. Real Strategy. Real Results.

** ** ** ** ** ** ** **

11/03/2026

🏡 **Owe More on Your Home Than It's Worth?**

You may have more options than you realize.

Are you making your mortgage payments every month but still owe more than your home is worth? Maybe your financial circumstances have changed, you're struggling to keep up with payments, or you're simply ready to move on but don't know how.

**Being current on your mortgage doesn't necessarily mean you're in a good financial position. And being underwater doesn't mean you're stuck.**

A short sale may be an option worth exploring.

Here's what many homeowners don't realize: You don't always have to be behind on your mortgage to be considered for a short sale. Lender approval is required, and every situation is different.

Before you stop making payments, drain your savings, or assume foreclosure is your only option, let's review your situation.

My goal isn't just to sell your property. It's to help you understand your options and make an informed decision about your next move.

📩 **DM me "OPTIONS" for a confidential conversation.** No pressure. No judgment. Just real information and a strategy.

Judy England | iGolden One Realty & Concierge LLC
Real Estate. Real Strategy. Real Results.
443-584-3679

11/02/2026

Three questions. Honest answers. No pressure.

✔ Does the full payment fit comfortably?
✔ Will you have savings left after closing?
✔ Does the home fit your needs and how long you expect to stay?

If you answered yes, it may be time to explore your options.

If not, that’s not a failure. It’s a starting point. Let’s build a plan that gets you there on your timeline.

💬 DM **“READY”** and tell me where you landed.

Judy England
iGolden One Realty & Concierge LLC
9664 Pennsylvania Ave, Upper Marlboro, MD 20774
Cell: 443-584-3679 | Office: 301-443-8645
[email protected] | JudyEngland.com
Real Estate. Real Strategy. Real Results.

** ** ** ** ** ** ** **

11/01/2026

WE GET TO vs. WE GOT TO. ✨

Two little words. One BIG shift in perspective.

❌ We GOT to get up early.
✅ We GET to see another day.

❌ We GOT to go to work.
✅ We GET to have an opportunity to earn.

❌ We GOT to take care of our family.
✅ We GET to love and spend time with the people who are still here.

❌ We GOT to work out.
✅ We GET to move our bodies.

❌ We GOT to deal with all these responsibilities.
✅ We GET to experience a life that gives us purpose.

Sometimes the very things we complain about are the things someone else is praying for.

And don’t get me wrong… gratitude doesn’t mean you’re not tired, overwhelmed, or in need of a break. You can be grateful for the opportunity and STILL need rest.

It’s not about pretending life is easy. It’s about changing the way we see it.

Same responsibilities. Different perspective.

Today, I’m reminding myself that I don’t always HAVE TO… sometimes, I GET TO. ❤️

💬 What’s one thing you’re changing from “GOT TO” to “GET TO” today?

11/01/2026

🏡 YOUR NEXT CHAPTER COULD START HERE!

Welcome to 126 Big Chimney Branch, Unit 11-1, in the Cinnamon Ridge community of Upper Marlboro, Maryland!

This two-level, townhome-style condo offers space, functionality, and the convenience of lower-maintenance living.

✨ PROPERTY HIGHLIGHTS:
✔️ 3 Bedrooms | 1.5 Bathrooms
✔️ Approximately 1,186 sq. ft.
✔️ Bright, open living and dining areas
✔️ Functional kitchen with modern cabinetry
✔️ Community pool access
✔️ Listed at $298,000
✔️ Condo fee approximately $510/month

Whether you're purchasing your first home or looking for a simpler lifestyle, let's explore how this property fits your needs and your monthly budget.

📲 DM "CHIMNEY" for property details or to schedule your private showing!

Judy England | REALTOR®
iGolden One Realty & Concierge, LLC
📞 443-584-3679
📍 9664 Pennsylvania Ave, Upper Marlboro, MD 20774

REAL ESTATE. REAL STRATEGY. REAL RESULTS.

*Price, fees, and financing eligibility subject to verification.*

11/01/2026

A home is also your commute, your errands, and your weekends.

Before you choose any home, map your real week: how you get to work, where you shop, and what you’d actually use nearby.

I’ll share the community and location details for 126 Big Chimney Branch, so you can judge the fit for yourself.

💬 DM **“LOCATION”** and tell me where you need to get to most often.

Judy England
iGolden One Realty & Concierge LLC
9664 Pennsylvania Ave, Upper Marlboro, MD 20774
Cell: 443-584-3679 | Office: 301-443-8645
[email protected] | JudyEngland.com
Real Estate. Real Strategy. Real Results.

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Address

9664 Pennsylvania Avenue
Upper Marlboro, MD
20774

Telephone

(443)5843679

Website

http://www.judyengland.com/

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