I SPEAK:
English
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.
Get in touch
Real Estate Glossary Terms
-
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 ...
-
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. ...
-
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 ...
-
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 ...
-
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
Located close to the westernmost edge of Florida in Santa Rosa County, the city of Gulf Breeze, FL is a waterfront dream for high income earners and retired military personnel. Currently at around 7,000 residents, this growing bedroom community is ideal for those who seek a comfortable life-style in a holiday destination, without having to deal with the overcrowdedness ...
Homebuyer Tips
Real Estate Trends In St. Petersburg Florida
The real estate trends are constantly changing throughout the market as the market itself is influenced by outside factors. These factors can be anything from the presidential elections to a global pandemic. The way in which they affect the real estate market depends on how much the factors impact the market itself. For example, during the 2008 economic crisis, while ...
Homebuyer Tips
Have you ever imagined yourself living on the coastline of Florida? Living in a gorgeous waterfront home, and waking up to the morning breeze of the Ocean. What would it be like if you can witness the beautiful sunrises of the Sunshine State every day and get those beach vibes going? Having the opportunity to lay back and settle in one of Florida’s beautiful ...
Homebuyer Tips
Think about the last exciting trip you had to a city you’ve never seen before. The experience you had there was so amazing that you might’ve considered coming back, but this time for good. You can’t stop thinking about how amazing it would be to get the same kind of experience, every day you get to live there. While the emotions and the feeling might ...
Homebuyer Tips
Living In Bowie MD - Pros And Cons
Have you ever had the opportunity to witness the wonders of Maryland? A state that finds the perfect balance between the exquisite lifestyle along the coastline, along with the impressive urban scene of a metropolitan city. All kinds of natural features, except desert, can be experienced through the state of Maryland, and its important history earned the state its ...
My credentials
