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About Kevin S. McCullough
Kevin S. McCullough has over twenty (20) years of experience in mortgages, legal, and all aspects of real estate. Prior to the inception of McCullough & Associates Realty, Inc. he was a mortgage broker for almost a decade and dealt with Conventional Fannie Mae and Freddie Mac lenders, HUD and VA/FHA programs, Private and Hard Equity Lenders, Non-Conventional or even Sub-Prime Loans. Then when the market took a downturn he was hired at a law firm to handle their day to day business management and marketing.
His knowledge is extensive along with his experience from getting helping others get approved to purchase homes all the way through closing and home ownership. He is also Certified as a MILITARY RELOCATION PROFESSIONAL and really looks forward to assisting those that serve our Country. He understands military life from his Army ROTC training at Valley Forge Military College and is very easy to communicate with via email. He has had dealings in property management overseeing multiple rental properties at a time and even has many commercial clients that utilize him for property acquisitions and then often times the leasing of those spaces. He is experienced with Retail Spaces as well as a variety of Warehouse and Industrial Properties.
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Real Estate Glossary Terms
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Progress Payments
In a construction loan, payments made to a contractor as the various construction stages are completed. The contractor uses progress payments to pay the various subcontractors and suppliers as construction proceeds. For example, a bank gives a contractor a $125,000 construction loan. It pays $30,000 ...
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Fellow, Society Of Actuaries (fsa)
Designation earned by passing 10 national examinations on subjects including mathematics of life and health insurance, actuarial science, insurance, accounting, finance, and employee benefits. Examinations and course materials are prepared and administered by the Society of Actuaries. ...
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Future Insurability Guarantee/future Increase Option
Option clause in a disability income policy that the insured can exercise that would permit the insured the right to purchase additional limits of coverage regardless of the insured's physical condition. These additional purchases are limited by the insured's age and a maximum dollar amount, as well ...
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Other Insureds
Individuals or organizations covered by property and liability insurance other than the named insured. For example, under the personal automobile policy (pap), other insureds under Coverage A Liability are the named insured's spouse, other relatives living with the insured, and any other person usin ...
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Savings Element, Life Insurance
Buildup of policy cash value, as distinguished from the death benefit. A policyholder has a choice between surrendering the policy for its cash surrender value or keeping it in force for its death benefit. The rates of return on cash value policies, such as whole life insurance, universal life, or v ...
Real Estate Advice
Homebuyer Tips
Living In Tucson Pros And Cons
If you want to experience the authentic feel of the Southwest then Tucson, AZ is the city for you. Located a mere hour away from the Mexican border, this metropolis has ranches and cattle drives to remind you of the beauty of the Old West, while resort hotels, restaurants and healing spas are setting new trends in the Tucson way of life. The people who live here seem to ...
Homebuyer Tips
Timeshare Units - Owning A Property Part-time Or Full Time
Timeshares have been a huge success in the US for a few decades, starting in 1965, when the first hotel-condominium was built in Hawaii. How did timeshares come into being? Well, real estate developers who wanted to speed up the sale of their condos invented partial ownership and thought of selling the right to live in their apartments for one week every year. The ...
Homebuyer Tips
Waterfront Properties For Sale In Pasadena, MD
There are many places where you can find the most amazing waterfront properties in the U.S. but let’s take a look at the options available in Maryland. Between the Patapsco and Magothy Rivers, you will find the small town of Pasadena, MD with its many estuaries that offer countless possibilities for properties down by the river, but not only. Looking for ...
Homebuyer Tips
When people start talking about Florida they mostly focus on Orlando, Miami, maybe Naples or The Villages if they are focused on places to retire, but most overlook Cape Coral, FL. There are many reasons why people do this as it isn’t a major city in Florida, but far more reasons why they shouldn’t. Located in Southwestern Florida, the city of Cape Coral, ...
Homebuyer Tips
Living In Charlotte, NC Pros And Cons
The most populous city of North Carolina, Charlotte is also the county seat for the county of Mecklenburg. The city is considered to be a relatively new city that is still developing as many of the people living in Charlotte, NC aren’t sure if that’s a pro or a con. Its population is still growing having surpassed 873,000 residents as of 2018 which is also ...
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