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About Peggy Bowden-White
I am a native of the Eastern Shore and began my Real Estate career in 1998. Affiliated with Coldwell Banker Residential Brokerage in Salisbury, MD since 1998, which was formerly known as Cooper Stewart Realtor/GMAC. Being a native of the area enables me to bring my clients a vast amount of knowledge of the area.
Since my start in the industry I have consistently been one of the top agents in our office. I have dedicated over 600 hours to education to better serve you. I have earned the coveted Certified Residential Specialist designation. This designation has only been awarded to 4 percent of agents in the country. I also have my GREEN designation, my Short Sale and Foreclosure Certification and by the first of 2011 I will have completed the Delaware Brokers Course. Additionally, I have completed my Cartus Relocation Training. I strive to keep up with the latest technology available to better serve my clients.
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Real Estate Glossary Terms
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Dry Mortgages
Creates a lien against the mortgagor's property, but does not permit a lien against his or her personal assets. See also non recourse. ...
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Loan Shark
lender who charges an exorbitant interest rate, which is typically illegal because it exceeds the interest rate allowed in the state. A borrower may go to a loan shark if he cannot obtain the loan at financial institutions such as banks and finance companies. The borrower is usually rejected because ...
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Portfolio Income
Income derived from a collection of asset investments. Real property investments produce rental and lease payment income. Investments in mortgages and other long term debt instruments produce interest income, while equity investments generate dividends. ...
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Sales-ratio Analysis
Evaluation of the reasons for the difference between the expected selling price of property and its appraisal value. Perhaps the discrepancy is due to a poor appraisal, emergency nature of selling or buying property, or unexpected deteriorating local conditions. ...
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Real Estate Swap
Transaction in which the property owner (for example, a pension fund) agrees to pay the insurance company a rate of return tied to the fluctuations in real estate prices. In return, the insurance company stipulates that it will pay the property owner a rate of return that is more predictable, such a ...
Real Estate Advice
Homebuyer Tips
Home Loans With 0 Down Payment
Mary V. has always adored the fairytales her mother used to read before going to bed. Since then, she had been dreaming of her own place to call home, which gradually became smaller and smaller. She left behind the gold-plated palaces and castles of her childhood memories, and now, in her early 20s, she would be more than happy to live in a small cozy one-story house ...
Homebuyer Tips
How Can You Improve Your Credit Score?
The almighty Credit Score: The banking industry revolves around it. Landlords demand it. And everybody is concerned about their three digits that reveal how well they are doing financially. The FICO® Score and the VantageScore are two systems that measure your creditworthiness. Both can be between 300 and 850. Of course, the higher, the better. Understanding credit ...
Homebuyer Tips
What does any real estate agent listed on RealEstateAgent.com appreciate more at homebuyers? Their flexibility and their openness when it comes to exploring the many different types of loans that are available for them. In this article, we will explain how USDA loans work. In fact, Section 502 Single-Family Rural Housing Loans can have two forms. The first one is the ...
Agent Advice
What Car Should A Real Estate Agent Drive?
Okay, we know this question is quite strange. So, is there a link between real estate and cars? Really? What do cars have to do with an agent’s ability to sell a house? Well, you may fall into the trap of thinking that a nice car can propel your real estate career. To some extent, you are right. Clients can be naive. However, if we were in their shoes, we ...
Agent Advice
How To Become A Real Estate Agent In Nashville?
Millions of people move every year either within the same city or from one state to another. And as you might guess, real estate agents are as busy as a bee in the states with most inbounds. The top 5 states that attracted new residents in 2018 are Idaho, Arizona, South Carolina, Tennessee, and North Carolina. With a vibrant economy and non-stop entertainment, the ...
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