Tom Hayes

Tom Hayes

Long & Foster Westminster, MD - Realty

ABR, Accredited Buyer Representative CRS®, Certified Residential Specialist® Fair Housing and Equal Opportunity (FHEO) GRI Graduate REALTOR Institute REALTOR® SRES®, Senior Real Estate Specialist The Multiple Listing Service Mark

Denise & Tom Hayes, CRS, GRI, ABR, SRES, RECS - Licensed since 1974; specialize in the sale of REO, Short Sale and Foreclosure Homes, New Homes, Residential Resales, Condos and Land in Carroll, Baltimore & Frederick Counties in Maryland in addition to Adams and York Counties in Pennsylvania. Member of Long & Foster's "Chairmans Club"; member of the Carroll County Association of REALTORS "Platinum Club", as well as having been inducted into their "Hall of Fame". In Long & Foster's "Top 5 Producers by Units Sold" for the Baltimore Region for several years, and "New Homes Top Producer". Past President and Directors for the Carroll County Association of REALTORS. We are Graduates of the REALTORS Institute and Certified Residential Spe cialists as well as having obtained relocation, foreclosure, short sale and REO sale specialists.

We welcome the opportunity to be of service to you! Call us today at the above numbers, or you may contact us by way of e-mail at the following address: [email protected]. 410-984-0231 - Direct Line.

  • Experience: 38+ Years in Real Estate

  • We Represent Custom Home Builders, who build in both Maryland and Pennsylvania!

  • We Have a Team of Buyer Broker Professionals to Assist You with your Home Search.

  • We Provide Free Market Evaluations, to Assist You in Determing the Value of Your Property.

  • We Look Forward to Working With You -- Buying or Selling!

    625 Baltimore Blvd. Suite O , Westminster - MD 21157

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    Real Estate Glossary Terms

    An investigation to ascertain who legally has the title to property. For example, when a house is sold, the attorney for the purchase will do a title search to guarantee that the seller owns the house....

    Rate applied to risks with similar characteristics or to a specified class of risk....

    Actual mortality experience of an insured group as compared to the expected mortality for that group....

    Section of the code that qualifies the establishment of a trust for minors under which income can be accumulated until the minor reaches age 21. At that point, the accumulated income can be disbursed and the $10,000 annual gift tax exclusion for each beneficiary can be utilized....