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Welcome and thank you for visiting my website. I would love to assist you with your real estate needs whether it is buying or selling. With my many years of experience as a REALTOR® in the Tri-County Area it would be my pleasure to serve you.

I would appreciate you and your business and I look forward to working with you!

Carol Andrews

Carol Andrews

Broker, REALTOR®, CRS, GRI, ABR

My Latest Blog Posts

More Comfortable, Convenient and Secure

Smart home technology promises to make your home more comfortable, convenient and secure. It may not be the home from the Jetson’s but artificial intelligence is the hope to make it the home of the future which is available now and controlled from anywhere you have an Internet connection. When Alexa appeared at Christmas-time two […]

Another Type of Financing Concession

Price, condition and terms are factors that any owner must consider when marketing their home. Price is usually the easiest to adjust to compensate for shortcomings in location or condition of the home. Improving the condition of the property is more time consuming but updates to kitchens, baths and other things can appeal to a […]

44 Times More Than a Renter

The Federal Reserve Board’s Triennial Survey of Consumer Finances recently revealed the net worth of a homeowner was $231,400 compared to $5,200 for a renter. The net worth of homeowners increased 15% from 2013 to 2016 while renters’ decreased by 5%. Appreciation and principal reduction are the two dynamics that affect a homeowner’s equity. Each […]

Gift of Equity

There is a little-known mortgage program that could provide the vehicle for the right person to get into a home. If a person sells their home to another for less than the fair market value, the difference in the appraised value and the sales price is considered a gift of equity for the buyer. FHA […]

Do You Know the Way?

It may be natural for first-time buyers to be unsure of the process of buying a home because they haven’t been through it before but even repeat buyers need to know changes that have taken place since the financial housing crisis. The steps in the home buying process are predictable and generally follow the same […]

Roll the Repairs into the Mortgage

It’s been said that if you can find a home that has most of what you want, you should go ahead and purchase it. Many first-time buyers are using everything they have for a down payment and closing costs and would have to “live” with the less than perfect home until they can save the […]

Getting the “Right” Home

Finding the right home is still the biggest challenge buyers are faced with in today’s market as is shown in the latest Confidence Index Survey. Assuming the buyers find the “right” home with determination, perseverance and the help of a real estate professional, 88% of all transactions last year required financing to get the buyer’s […]

Start Early and Live Happily Ever-after

As storybooks go, the character is introduced, they meet their love interest, a villain thwarts their intentions, true love overcomes, they marry and live happily ever-after. It’s a very familiar formula. Similarly, there is a formula that couples follow in real life. They go to college, get a good job, rent a home, fall in […]

It’s Not Just the Tax Benefits

When the standard deduction for married couples filing jointly was increased from $12,700 to $24,000 for 2018, there was some speculation that the bloom was off the rose of homeownership. The thought was that if the tax benefits from being able to deduct the property taxes and interest was less than the standard deduction, that […]

HELOCs Becoming More Expensive

In September, the Federal Reserve raised interest rates for the third time in 2018 and they’re expected to go up one more time this year and three times next year. If you have a Home Equity Line of Credit, HELOC, you’re paying more to use that money and it is going to become more expensive. […]

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