"The Real" on Real Estate Values

When I tell people I sell real estate for a living their faces turn down, they ask, in a sympathetic voice, "How is it out there? Are you doing ok?" I tell them that it's really good - people are buying and selling, making money, and generally things are as they should be. They are slightly encouraged by my positive response, and highly skeptical that I'm being 100% honest.

Well, here are some facts that you will not hear on CNN.

• Nationally, only about 3% of homeowners are behind on their mortgage payments
• Mortgage rates are about 5.375% for a 30 year fixed mortgage (but that changes all the time. Check with Ray Cruz at BofA for the current rate 202-438-9700)
• Locally, houses are selling on average for 91.2% of their list price
• Locally, it is taking an average of 116 days to sell a house. Houses in good condition and priced properly are selling in much less time

Using national real estate statistics to determine the performance of the Washington, DC Metro area is sort of like using the statistics of the entire MLB to determine the kind of player Derek Jeeter is. Or using the test scores of an entire school district to learn about one child's performance. Thanks anyway, Gerri Willis, but you're not telling me anything useful or even slightly meaningful when you tell me national statistics.

It is true that some parts of the country have been hammered but DC isn't one of those areas. If you browse the listings that have sold in the past 3 months you will have a hard time finding examples of people losing their shirts on the sale of their home. Here are some examples in the Bethesda area:

5717 Roosevelt Street sold on 12 June 2003 for $699,000. The owners put in a new kitchen and updated the family room, powder room, and master bath in 2004. They sold it on 11 Sept 2008 for $1,005,000.

4977 Battery Lane #1-920 sold on 22 June 2004 for $366,450. The owner sold this condo on 28 July 2008 for $485,000. They made $118,550 in only 4 years.

105 South Brook Lane sold in 1998 for $290,000. It sold again on 7 August 2002 for $538,500 and again on 6 Oct 2008 for $650,000. In ten years three owners shared profits of $360,000.

9803 De Paul Drive sold in 1998 for $240,000. The owners took great care of the house and put in a new kitchen in the 10 years they lived there. They sold it on 15 Sept 2008 for $699,900. It was on the market for 66 days. They made almost $460,000 in 10 years.

If you bought at the peak of the market in 2005 or 2006 you might not be able to sell for a profit right now, but hang in there. As these examples show, if you can wait until 2010 or 2011 you will more than likely be satisfied with the return on your investment.

If you've been hesitant to jump into this market here are a few more things you need to know:

• Banks are lending for mortgages to anyone with average credit, with a steady job who can afford the payments. You do not need to have excellent credit
• You need as little as 3% down to buy a home
• You can have your pick of the nicest houses in the best condition
• You will be buying at (or very near) the bottom of the market

Coming soon... examples of people who bought in 2000 and sold in 2005 - the bottom of the market buyer who sold at the top.

The Mortgage Environment and upcoming changes...

Given the recent changes in the lending landscape it is important to know what the new rules are and how they may impact your next home purchase or refinance. Despite the ongoing strains in the credit markets, banks are still lending. Although underwriting standards have increased making it more difficult for marginal borrowers to get qualified, borrowers with good credit scores, stable income, and strong liquid assets will still find approvals easy to obtain and rates near historical lows. Below are some notable changes:

Conforming Mortgages - (Mortgages which are sold to, and guaranteed by, Fannie Mae and Freddie Mac.)

• Fannie Mae's new conforming loan limits are being adjusted up to $625,500 in high-cost areas, which covers most of the Washington DC Metropolitan Area, effective January 1, 2009
  
• 90% financing is the highest currently available in most areas due to problems obtaining Private Mortgage Insurance (PMI) and revisions to Fannie guidelines.
  
• 95% financing is available on single family detached primary residences only.
  
• Lower credit scores are now being penalized with risk adjustment premiums, increasing interest rates and resulting in larger down payment requirements.
  
• Investment properties are also facing risk-adjusted, higher interest rates and larger down payment requirements.
  
• New Construction Condos now face greater scrutiny and are fully vetted just as the borrower's are.
  

FHA Mortgages – (Mortgages which are insured by the Federal Housing Administration, which is part of HUD.)

• Low down payments – as little as 3.5% starting January 1, 2009
  
• Easy credit qualifying – lower credit scores accepted
  
• Lending limits vary based on property type and county
  
• FHA loans require mortgage insurance (to protect lenders against losses that result from defaults on home mortgages)
  
• FHA Secure – Helps current homeowners who have sub-prime mortgages, high interest rates and/or “upside-down” on their current primary residence
  

Jumbo Mortgages - (Mortgages that exceed the $625,500 conforming limit. They are sold on the secondary market or retained by the lender.)

• Down payment requirements for most jumbo mortgages have been increased to 20-30%, depending on the purchase price.
  
• Loan documentation requirements have increased and underwriting standards have become much more thorough.
  
• Loans in some declining markets are requiring even larger down payments and increased appraisal scrutiny. (CA, AZ, UT, FL, NV)
  

Please let us know if you have any questions.

Please feel free to forward the information and my contact information to any friends or colleagues that would be interested or in need of mortgage financing.

Best Regards,

Ray P. Cruz
Vice President


Bank of America
1801 K Street, NW, Suite 440
Washington, DC 20006
Office: 202-624-3794
Mobile: 202-438-9700
Fax: 202.350.9500
Apply Online: www.raypcruz.com

First-Time Home Buyer Tax Credit

DID YOU KNOW?

First-Time Home Buyer Tax Credit at a Glance

• The tax credit is available for first-time home buyers only.
• The maximum credit amount is $7,500.
• The credit is available for homes purchased on or after April 9, 2008 and before July 1, 2009.
• Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit.
• The tax credit works like an interest-free loan and must be repaid over a 15-year period.

This credit is really a 15 year interest free loan that is repaid at $500 per year over 15 years OR when the house is sold, retitled, or refinanced. You are not required to claim the credit on your taxes, but if you choose to, this credit can be used to pay for new furniture, upgrades or repairs to the house, or anything that you want to spend it on.

This credit is good for any first-time buyer, on any house, in any state as long as you purchase before July 1, 2009. So, if you could benefit from this credit, now would be a good time to make an appointment with me.

If you would like more information about the First-Time Home Buyer Tax Credit or other provisions in the Housing and Economic Recovery Act of 2008 please give me a call.

That re-usable water bottle is your best friend

Thanks to Jennifer Sass for alerting me to this article...

REPORT OUT TODAY: That re-usable water bottle is your best friend
Americans paid $12 billion to drink 9 billion gallons of bottled water last year alone. Yet, as EWG tests show, several bottled waters bore the chemical signature of standard municipal water treatment -- a cocktail of fluoride, chlorine and other disinfectants whose proportions vary only slightly from plant to plant. In other words, some bottled water was chemically almost indistinguishable from tap water. The only striking difference: the price tag. The typical cost of a gallon of bottled water is $3.79 – 1,900 times the cost of a gallon of public tap water.

The bottle water industry has also contributed to one of the biggest environmental problems facing the world today. Only one-fifth of the bottles produced by the industry are recycled. The remaining four-fifths pile up at landfills, litter our neighborhoods and foul our oceans. About halfway between Hawaii and California, an area twice the size of Texas is awash in millions of plastic water bottles and other indestructible garbage.

Full report at: http://www.ewg.org/reports/bottledwater

Halloween is going to suck this year!

Valley Mill's Spooky Hollow and The Haunted Trail

This is an event that I look forward to every year. The folks at Valley Mill spare nothing to make this a great event! Whether you are 6 or 16 or 60 there will be someting fun for you here!


Maryland's Premier Halloween Event

Haunted Trail:
As the sun sets and darkness invades the forest, our hardier guests can venture out onto the Haunted Trail. They will wander through about 20- 25 minutes of ghoulish frights and terrifying delights. Nighttime at the Haunted Trail is guaranteed to be screaming fun!

Spooky Hollow:
Spooky Hollow is an exciting time designed for all ages. Spooky Hollow features food vendors, carnival games, fortune tellers, contests, nightly entertainment, and more. Our guests can embark on a fun filled hayride to a pumpkin patch or be transformed into a Halloween creature at our face painting booth.

Hollow Hayride:
Locked in a slow moving trailer, filled with hay and fright. This dimmly light ride through the oldest part of the Valley Mill forest, has ghouls and ghost come at you from all directions. Be prepared!

For dates and directions visit the Valley Mill website: http://valleymill.com/halloween/
Or join the Facebook Group: http://www.facebook.com/group.php?gid=5315977722

Someone please help this woman!

http://view.break.com/580075 - Watch more free videos

Silver Spring Foreclosure

September home buyers need to watch the inventory of lender owned homes. The lenders have a surplus inventory of foreclosed homes and are highly motivated to sell them before the winter season. Prices are reduced until the homes are under contract. It is a good time to make offers. Let me show you how to be the successful purchaser of a REO property.

Many families are using FHA financing for the low cash requirement and easier underwriting requirements. Recent changes by the White House made FHA even more attractive for use when purchasing lender owned homes. Buyers need to be pre-qualified for financing. Ask me for the name of a loan officer.

4320 Ivy Glen Road, Silver Spring, MD 20906

4 Bedroom, 2 Bath, Backs to woods and creek, Large shed for boat storage

$254,900

Reduced from $284,900

Tax Fiscal Year 2008 Estimated property tax and non-tax charges in first full fiscal year of ownership.

TOTAL EST. CHARGES: $3,895

City Tax:

Tax Year: 2008

State/County Tax: $2,534

Refuse: 344.96

MONTGOMERY COUNTY, MARYLAND LENDER OWNED FORECLOSURES (Rev. 9/10/08)

MONTGOMERY COUNTY, MARYLAND LENDER OWNED FORECLOSURES (Rev. 9/10/08)
Market Conditions: We have a surplus number of homes for sale in Montgomery County, MD. So, the buyer's market will continue for the coming months. The residential market is very active and sales are brisk, as buyers take advantage of the available bargains in the inventory of lender owned homes. Buyers have been waiting for low prices and now they are able to purchase at the lowest prices that we have seen in several years. Lenders are reducing prices on the REO homes and the sales volume has increased. Interest rates are very attractive but the mortgage financing options are fewer in number and the underwriting guidelines are more restrictive. All prospective home buyers should be pre-approved for financing at the first stage of the home search. By all appearances, the time frame from now through December will be an excellent time for home purchases. Many home sellers have deferred their listings in anticipation of a stronger market in the new year.

MONTGOMERY COUNTY, MARYLAND LENDER OWNED FORECLOSURES (Rev. 9/10/08)

Copyright 2008 - Information deemed reliable, but is not guaranteed. We must always confirm availability and current prices. Any reproduction, distribution or other use is prohibited. Do not email this report to others without written authorization from Roy Kelley.

(Contact us for further price reductions)

Roy Kelley, RE/MAX Realty Group, Gaithersburg, MD 301-921-4569 roykelley@mris.com

We have a very simple request if you wish to receive our information and advice. We ask you to agree to use us as your exclusive buyer agents for your next real estate purchase. Please advise us if you are represented by another real estate agent.

REO homes are foreclosures owned by lenders and other entities. We represent clients as exclusive buyer agents. The disclosures that are required for home buyers in Maryland will be provided when you meet with us. Buyers must have pre-approval letters for mortgage financing. Email us for a referral to a lender.

The following are available REO homes. Prices are reduced until they are sold.

REO: 808 1st St., Burgandy Village, Rockville 20850 3 BR/2 BA $301,900 SF REDUCED FROM $317,000

Countrywide: 13612 Ambassador Dr., Landing Glen, Germantown 20874 2 BR/2.5 BA $254,900 TH

Countrywide: 20407 Ambassador Ter., Landing Glen, Germantown 20874 2 BR/2 BA $219,900 TH REDUCED FROM $264,900

Household Finance Corp.: 12008 Amber Ridge Cir. #A-002, Amber Ridge, Germantown 20874 2 BR/2 BA $244,900 Condo

Indymac Bank: 20557 Amethyst Lane, Churchill Town Sector, Germantown 20874 2 BR/1.5 BA $219,900 TH REDUCED FROM $235,500

Countrywide: 8347 Amity Cir., Hamlet North, Gaithersburg 20877 3 BR/2.5 BA $255,900 TH Condo REDUCED FROM $306,900

Fannie Mae: 17633 Amity Dr., Hamlet North, Gaithersburg 20877 3 BR/2.5 BA $219,900 TH Condo REDUCED FROM $259,900

HSBC Bank: 25025 Angela Ct., Clearspring Manor, Damascus 20872 3 BR/2.5 BA $197,900 TH REDUCED FROM $260,000

REO: 13478 Ansel Ter., Cloppers Mill West, Germantown 20874 3 BR/2.5 BA $369,900 TH

IndyMac Bank: 19811 Apple Ridge Pl., Watkins Mill, Montgomery Village 20886 3 BR/1.5 BA $185,000 TH REDUCED FROM $244,900

Fannie Mae: 13705 Arctic Ave., Bel Pre Woods, Rockville 20853 3 BR/1 BA $279,900 SF REDUCED FROM $372,900

GMAC Mortgage: 3717 Astoria Rd., Newport Hills, Kensington 20895 4 BR/3 BA $370.500 SF REDUCED FROM $418,950

REO: 900 Ashton Rd., Brooke Grove, Ashton 20861 3 BR/2 BA $394,900 SF REDUCED FROM $414,900

IndyMac Bank: 13801 Aston Manor Dr. #1, Ashton Manor, Silver Spring 20904 4 BR/2.5 BA $446,900 Gar TH

Pinnacle Financial: 14305 Astrodome Dr., Autumn Walk, Silver Spring 20891 2 BR/1.5 BA $234,000 TH Condo REDUCED FROM $313,900

REO: 12403 Atherton Dr., Conn. Ave. Park, Silver Spring 20906 3 BR/1 BA $312,495 SF REDUCED FROM $375,000

Wells Fargo Bank: 18211 Barnesville Rd., Barnesville Town, Barnesville 20838 3 BR/1.5 BA $402,000 SF

Ocwen: 712 Bayfield St., Rolling Terrace,Takoma Park 20912 5 BR/3 BA $350,000 SF REDUCED FROM $374,900

U.S. Bank: 3744 Bel Pre Rd. #8, Fairways, Silver Spring 20906 3 BR/2 BA $142,900 Condo REDUCED FROM $154,900

REO: 3944 Bel Pre Rd. #5, Grand Bel, Silver Spring 20906 2 BR/2 BA $139,900 Condo REDUCED FROM $149,900

Deutsche Bank: 3964 Bel Pre Rd. #7, Grand Bel, Silver Spring 20906 3 BR/2 BA $129,900 Condo REDUCED FROM $154,900

Fannie Mae: 19808 Billings Ct., Partridge Place, Montgomery Village 20886 3 BR/2.5 BA $236,900 TH REDUCED FROM $255,900

REO: 12603 Black Saddle Lane, The Colony, Germantown 20874 3 BR/1.5 BA $249,900 TH

Deutsche Bank: 12613 Black Saddle Lane, The Colony, Germantown 20874 3 BR/1.5 BA $193,900 TH REDUCED FROM $241,900

U. S. Bank: 10405 Bloom Dr., Green Hills, Damascus 20872 5 BR/2 BA $298,400 SF REDUCED FROM $419,900

REO: 2101 Blue Knob Ter., Longmead, Silver Spring 20906 3 BR/3.5 BA $359,900 Gar TH

Wells Fargo: 21018 Blunt Rd., Goshen Manor, Germantown 20876 4 BR/3.5 BA $607,500 SF REDUCED FROM $675,000

Countrywide: 605 Bonifant Rd., Stonegate, Silver Spring 20905 5 BR/3 BA $460,900 SF REDUCED FROM $467,900

Freddie Mac: 9006 Bramble Bush Ct., Hunters Woods, Gaithersburg 20879 3 BR/1.5 BA $189,900 TH REDUCED FROM $207,050

REO: 20306 Brandermill Dr., Chadswood, Germantown 20876 3 BR/3.5 BA $289,900 SF REDUCED FROM $349,900

Wells Fargo: 17 Brassie Ct., Thomas Choice West, Montgomery Village 20886 3 BR/2 BA $147,900 TH REDUCED FROM $159,900

REO: 9643 Brassie Way, Thomas Choice West, Montgomery Village 20886 3 BR/2.5 BA $180,000 TH

Wells Fargo: 12201 Braxfield Ct. #6, Bethesda Park, Rockville 20852 2 BR/1 BA $156,900 Condo REDUCED FROM $210,000

REO: 12309 Braxfield St. #441, Bethesda Park, Rockville 20852 3 BR/2 BA $235,000 Condo REDUCED FROM $240,000

Aurora Loan Services: 7330 Brenish Dr., Edinburgh, Gaithersburg 20879 4 BR/2 BA $299,900 SF REDUCED FROM $350,000

Greenpoint Mortgage: 23313 Brewers Tavern Way, Highlands, Clarksburg 20871 3 BR/2 FB/2 HB $350,000 Gar TH REDUCED FROM $382,000

Fannie Mae: 26012 M Brigadier Pl., Damascus Gardens, Damascus 20872 2 BR/2 BA $158,900 Condo REDUCED FROM $190,900

REO: 26015 J Brigadier Pl., Damascus Gardens, Damascus 20872 2 BR/2 BA $162,500 Condo REDUCED FROM $197,000

Avelo Mortgage: 1900 Briggs Rd., Layhill South, Silver Spring 20906 4 BR/3.5 BA $390,000 SF REDUCED FROM $400,000

Deutsche Bank: 18530 Brooke Rd., Brooke Grove, Sandy Spring 20860 4 BR/2 BA $289,900 SF REDUCED FROM $354,900

REO: 9808 Brookridge Ct., McKendrie, Montgomery Village 20886 4 BR/2.5 BA $161,500 TH

IndyMac Bank: 9898 Brookridge Ct., McKendrie, Montgomery Village 20886 3 BR/2.5 BA $180,000 TH

REO: 11493 Brundidge Ter., Brandermill, Germantown 20876 3 BR/2 FB/2 HB $240,000 TH

REO: 3916 Bryant Park Cir., Greencastle Towns, Burtonsville 20866 4 BR/4.5 BA $399,950 Gar TH

Deutsche Bank: 23827 Burdette Forest Rd., Clarksburg Town Center, Clarksburg 20871 4 BR/2.5 BA $474,000 SF REDUCED FROM $579,900

REO: 608 Burnt Mills Ave., Burnt Mills Manor, Silver Spring 20901 4 BR/3 BA $399,900 SF REDUCED FROM $414,900

Fremont Investment: 12605 Bushey Dr., Conn. Ave. Park, Silver Spring 20906 3 BR/2 BA $279,900 SF REDUCED FROM $349,900

IndyMac Bank: 11220 Bybee St., Kemp Mill Estates, Silver Spring 20902 5 BR/3 BA $361,000 SF

Washington Mutual Bank: 18629 Calypso Pl., Flower Hill, Gaithersburg 20879 4 BR/3.5 BA $317,900 SF REDUCED FROM $389,900

REO: 18713 Calypso Pl., Flower Hill, Gaithersburg 20879 4 BR/2 FB/2 HB $384,500 SF REDUCED FROM $415,000

REO: 12812 Camellia Dr., Layhill South, Silver Sprng 20906 4 BR/2.5 BA $362,000 SF REDUCED FROM $429,900

REO: 9821 Canal Rd., Whetstone, Montgomery Village 20886 4 BR/2.5 BA $419,821 SF REDUCED FROM $425,000

REO: 19009 Capehart Dr., Stedwick, Montgomery Village 20886 3 BR/2.5 BA $219,900 TH

U.S. Bank: 19039 Capehart Dr., Stedwick, Montgomery Village 20886 3 BR/2.5 BA $227,500 TH REDUCED FROM $305,900

REO: 1319 Carlsbad Dr., Woodland Hills, Gaithersburg 20879 3 BR/3.5 BA $299,000 TH REDUCED FROM $319,900

REO: 8011 Carroll Ave., Takoma Park 20912 5 BR/3 BA $299,900 SF REDUCED FROM $344,900

Fannie Mae: 8746 Carroll Ave, Golden Terrace, Silver Spring 20903 3 BR/1 BA $177,900 TH REDUCED FROM $264,900

National City Bank: 3304 Castle Ridge Cir. #21, Renaissance Plaza, Silver Spring 20904 3 BR/2 FB/2 HB $324,900 Gar TH

REO: 3320 Castle Ridge Cir., Renaissance Plaza, Silver Spring 20904 3 BR/2 FB/2 HB $319,900 Gar TH

Household Finance: 3417 Castle Way, Ventura, Silver Spring 20904 3 BR/2.5 BA $239,900 TH REDUCED FROM $282,900

Fannie Mae: 14206 Catamount Ct., Bel Pre Manor, Silver Spring 20906 4 BR/2.5 BA $314,900 TH REDUCED FROM $374,900

REO: 8950 Centerway Rd., Charlene Townhouses, Gaithersburg 20879 4 BR/2.5 BA $179,000 TH

REO: 9337 Chadburn Pl, Mcrory, Montgomery Village 20886 3 BR.2.5 BA $166,900 TH REDUCED FROM $184,900

REO: 18200 Chalet Dr. #1, Farmingdale, Germantown 20874 2 BR/2 BA $165,000 Condo

Chase Home Finance: 2900 Chapel View Dr., Calverton, Silver Spring 20904 4 BR/3.5 BA $304,900 SF REDUCED FROM $334,900

REO: 5712 Chapman Mill Dr. #1404, Gables of Tuckerman, Rockville 20852 3 BR/2 BA $394,000 Condo

REO: 19 Chatterly Ct., Kingsview Village, Germantown 20874 3 BR/3 BA $414,900 Gar TH

REO: 14203 Chelmsford Rd., English Manor, Rockville 20853 5 BR/3 BA $334,900 SF

REO: 11408 Cherry Hill Rd. #MC, Maryland Farms, Silver Spring 20904 2 BR/1.5 BA $130,800 Condo REDUCED FROM $152,500

Wells Fargo Bank: 18406 Cherry Laurel Lane, Flower Hill, Gaithersburg 20879 4 BR/3.5 BA $278,999 TH REDUCED FROM $295,900

REO: 18549 Cherry Laurel Lane, Flower Hill, Gaithersburg 20879 4 BR/3.5 BA $324,900 TH REDUCED FROM $337,500

REO: 3909 Chesterwood Dr., Montgomery Chase, Silver Spring 20906 2 BR/1.5 BA $209,900 TH Condo

Lasalle Bank: 4081 Chesterwood Dr., Montgomery Chase, Silver Spring 20906 3 BR/2 BA $265,500 TH Condo REDUCED FROM $285,500

REO: 25128 Chimney House Ct., Clearspring Manor, Damascus 20872 3 BR/2 BA $285,900 SF REDUCED FROM $299,900

Deutsche Bank: 20006 Choctaw Ct, Blunt Commons, Germantown 20876 3 BR/1 FB/2 HB $203,544 TH REDUCED FROM $249,900

REO: 20022 Choctaw Ct., Blunt Commons, Germantown 20876 3 BR/1 BA $207,600 TH REDUCED FROM $229,900

Deutsche Bank: 8513 Churchill Downs Rd., Greenhills Farm, Gaithersburg 20882 5 BR/4.5 BA $824,900 SF

Indymac Bank: 12900 Churchill Ridge Cir. #1-9, Churchill View, Germantown 20874 3 BR/2 BA $172,900 Condo REDUCED FROM $191,900

Countrywide: 22 Cinnabar Ct., Hadley Farms, Gaithersburg 20879 4 BR/3.5 BA $342,900 SF

Fannie Mae: 12832 Clarksburg Square Rd. #207, Clarksburg 20871 3 BR/2 BA $274,900 Condo REDUCED FROM $299,900

REO: 13131 Clarksburg Square Rd., Clarksburg Town Center, Clarksburg 20871 4 BR/3.5 BA $459,900 SF

REO: 4409 Clearfield Rd., Veirs Mill Village, Silver Spring 20906 4 BR/2 BA $267,450 SF

REO: 8005 Cloverwood Ct., Flower Hill, Gaithersburg 20879 4 BR/3.5 BA $289,900 TH

REO: 19817 Cochrane Way, Hunters Woods, Gaithersburg 20879 3 BR/2.5 BA $309,900 SF REDUCED FROM $380,000

Fulton Bank: 2300 Cold Meadow Way, Longmead, Silver Spring 20906 3 BR/3.5 BA $359,900 TH REDUCED FROM $394,900

REO: 1405 Colesberg St., Good Hope Estates, Silver Spring 20905 4 BR/2.5 BA $396,600 SF REDUCED FROM $437,500

REO: 13204 Collingwood Ter., Fairknoll, Silver Spring 20904 4 BR/2 BA $339,900 SF

Countrywide: 9912 Colorado Ct., Clearspring Manor, Damascus 20872 4 BR/2.5 BA $360,900 SF REDUCED FROM $384,900

Fannie Mae: 25619 Coltrane Dr., Damascus Manor, Damascus 20872 3 BR/1 FB/2 HB $214,900 TH REDUCED FROM $264,900

Avelo Mortgage: 11225 Columbia Pike #29, Burnt Mills Townhouses, Silver Spring 20901 4 BR/2.5 BA $240,000 TH

REO: 8900 Connecticut Ave., Chevy Chase 20815 3 BR/3 BA $514,900 SF REDUCED FROM $539,900

REO: 12305 Connecticut Ave., Conn. Ave. Estates, Silver Spring 20906 4 BR/1.5 BA $319,900 SF REDUCED FROM $414,900

Fannie Mae: 13270 Country Ridge Dr., Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $279,900 TH REDUCED FROM $295,900

REO: 13280 Country Ridge Dr., Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $265,900 TH REDUCED FROM $309,900

REO: 13420 Country Ridge Dr., Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $229,900 REDUCED FROM $299,900

REO: 11 County Ct. #15-6, Shady Grove Village, Gaithersburg 20878 3 BR/1.5 BA $214,900 TH

REO: 7622 Creekstone Ct., Emory Grove Park, Gaithersburg 20877 3 BR/3 BA $289,900 SF

REO: 12908 Crisfield Rd., Conn. Ave. Estates, Silver Spring 20906 5 BR/2 BA $345,000 SF REDUCED FROM $430,000

SunTrust Mortgage: 9 Cross Country Ct., Meadowvale, Gaithersburg 20879 3 BR/2 FB/2 HB $214,900 TH REDUCED FROM $275,000

IndyMac Bank: 11006 Cross Laurel Dr., Chadswood, Germantown 20876 4 BR/3.5 BA $350,000 SF

Fannie Mae: 19239 Cross Ridge Dr., Gunners Lake Village, Germantown 20874 3 BR/2.5 BA $264,900 TH REDUCED FROM $285,900

Fannie Mae: 18901 Crosstie Ter., Germantown Estates, Germantown 20874 3 BR/2.5 BA $274,900 TH REDUCED FROM $297,900

REO: 18752 Curry Powder Lane, Germantown Park, Germantown 20874 2 BR/1 BA $159,000 TH

Countrywide: 12304 Cypress Springs Rd., Greenway Village, Clarksburg 20871 4 BR/2.5 BA $473,900 SF

Deutsche Bank: 13129 Dairymaid Dr., Farmingdale Estates, Germantown 20874 3 BR/2 FB/2 HB $270,703 TH REDUCED FROM $284,950

REO: 13143 Dairymaid Dr. #98, Heritage Green, Germantown 20874 2 BR/1 BA $159,900 Condo

REO: 12007 Dalewood Dr., Conn. Ave. Estates, Silver Spring 20902 3 BR/2 BA $192,900 TH REDUCED FROM $202,000

REO: 25376 Damascus Park Ter., Magruders Overlook, Damascus 20872 3 BR/2 FB/2 HB $327,000 Gar TH

Fremont Investment: 13300 Dauphine St., Harmony Hills, Silver Spring 20906 4 BR/2.5 BA $309,900 SF REDUCED FROM $324,900

REO: 324 Deer Park Rd. #2-B, Brighton East, Gaithersburg 20877 4 BR/2.5 BA $189,900 TH

REO: 13353 Demetrias Way, Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $195,000 TH REDUCED FROM $250,000

Fannie Mae: 2803 Denley Pl., Glenmont Hills & Heights, Silver Spring 20906 3 BR/1 BA $234,900 SF

Countrywide: 2805 Denley Pl., Glenmont Hills & Heights, Silver Spring 20906 3 BR/2 BA $304,900 SF

REO: 12502 Denley Rd., Glenmont Hills & Heights, Silver Spring 20906 6 BR/2 BA $252,500 SF

Countrywide: 513 Diamond Ave. #7, Stratford Mews, Gaithersburg 20877 2 BR/2.5 BA $192,900 TH Condo

REO: 9809 Dilston Rd., Oakwood, Silver Spring 20903 4 BR/1.5 BA $314,900 SF REDUCED FROM $359,900

Garnet Investments: 9909 Dilston Rd., Oakview, Silver Spring 20903 4 BR/1.5 BA $240,000 SF REDUCED FROM $299,900

REO: 15018 Dinsdale Dr., Longmead, Silver Spring 20906 3 BR/2.5 BA $257,000 TH REDUCED FROM $270,000

REO: 26832 Dix St., Damascus 20872 3 BR/2.5 BA $374,900 SF REDUCED FROM $399,900

REO: 404 Domer Ave., Takoma Park 20912 7 BR/3 BA $329,000 SF REDUCED FROM $449,900

REO: 16116 Drayton Farm Dr., Parrs Ridge, Spencerville 20868 5 BR/3 BA $610,000 SF

IndyMac Bank: 19909 Drexel Hill Cir., Rogers Forge, Montgomery Village 20886 3 BR/2.5 BA $255,000 TH

HomeEq Servicing: 41 Drumcastle Ct., Brandermill, Germantown 20876 4 BR/3.5 BA $248,500 TH

Countrywide: 13205 Dumbarton Dr., Brookhaven, Rockville 20853 3 BR/2 BA $289,900 SF

REO: 3800 Dunsinane Dr. #25, Georgian Colonies, Silver Spring 20906 5 BR/3.5 BA $275,900 Gar TH

Chase: 20041 Dunstable Cir. #311, Scenery Pointe, Germantown 20876 2 BR/1.5 BA $189,950 TH Condo REDUCED FROM $260,000

HSBC Mortgage Services: 15413 Durant St., Good Hope Estates, Silver Spring 20905 5 BR/3 BA $420,000 SF

U.S. Bank: 128 Duvall Lane #172-T, Fireside, Gaithersburg 20877 3 BR/2 BA $94,900 Condo REDUCED FROM $119,900

Chase Home Finance: 1112 Ednor Rd., Cliftonbrook, Silver Spring 20905 3 BR/2 BA $339,900 SF REDUCED FROM $469,900

REO: 1214 Ednor Rd., Ednor Acres, Silver Spring 20905 3 BR/1.5 BA $400,000 SF

REO: 12706 Eldrid Pl., North Springbrook, Silver Spring 20904 5 BR/4.5 BA $539,000 SF

Novastar Mortgage: 1203 Elm Grove Cir., Oak Spring, Silver Spring 20905 3 BR/1.5 BA $238,900 TH REDUCED FROM $299,900

REO: 1307 Elson Ct., Takoma Park 20912 3 BR/1.5 BA $330,000 SF

Countrywide: 3412 Embry St., Conn. Ave. Estates, Silver Spring 20902 3 BR/1 BA $176,900 REDUCED FROM $182,900

REO: 24531 Etchinson Dr., Seneca Overlook, Gaithersburg 20882 3 BR/1.5 BA $349,900 SF

Countrywide: 12819 Ethel Rose Way, Summerfield Crossing, Boyds 20841 3 BR/2 FB/2 HB $342,900 Gar TH

Freddie Mac: 11804 Eton Manor Dr. #102, Eton Place, Germantown 20876 2 BR/2 BA $221,695 Condo

REO: 11828 Eton Manor Dr. #202, Eton Place, Germantown 20874 2 BR/2 BA $209,900 Condo

REO: 13010 Evanston St., Wheaton Woods, Rockville 20853 3 BR/1 BA $229,900 SF REDUCED FROM $274,000

Countrywide: 3702 Everton St., Conn. Ave. Estates, Silver Spring 20906 3 BR/2 BA $271,900 SF REDUCED FROM $297,900

Countrywide: 22201 Fair Garden Lane, Clarksburg Heights, Clarksburg 20871 4 BR/2.5 BA $586,900 SF

REO: 14506 Fairacres Rd., Fairland Acres, Silver Spring 20905 4 BR/2.5 BA $475,000 SF REDUCED FROM $500,000

Avelo Mortgage: 307 Fairgrove Ter., Saybrooke, Gaithersburg 20877 4 BR/2.5 BA $362,000 SF REDUCED FROM $424,900

Countrywide: 8110 Fallow Dr. #18-A, Hamlet North, Gaithersburg 20877 3 BR/2.5 BA $186,900 TH Condo REDUCED FROM $234,900

REO: 8115 Fallow Dr. #19-A, Hamlet North, Gaithersburg 20877 3 BR/2 FB/2 HB $205,000 TH Condo REDUCED FROM $234,900

REO: 4503 Faroe Pl., Wheaton Woods, Rockville 20853 4 BR/2 BA $294,500 SF REDUCED FROM $310,000

REO: 1701 Featherwood St., Rolling Acres, Silver Spring 20904 3 BR/2 FB/2 HB $289,900 TH

Wells Fargo Bank: 2041 Featherwood St., Rolling Acres, Silver Spring 20904 4 BR/3.5 BA $275,000 TH REDUCED FROM $336,000

Fannie Mae: 14 Federal Ct. #120, Newport Estates, Gaithersburg 20877 2 BR/3 BA $175,900 TH

Countrywide: 7911 Fenton St., Blair, Silver Spring 20910 3 BR/1 BA $320,000 SF REDUCED FROM $405,000

REO: 19534 Fetlock Dr., The Colony, Germantown 20874 3 BR/1.5 BA $182,400 TH

Countrywide: 12812 Flack St., Glenmont Hills & Heights, Silver Spring 20906 4 BR/2 BA $232,900 SF REDUCED FROM $249,000

Homeq Servicing: 9990 Forest View Pl., McKendrie, Montgomery Village 20886 3 BR/2 BA $180,000 TH

Ellington Loan Acquisition: 23203 Frederick Rd., Highlands at Clarksburg, Clarksburg 20871 4 BR/2.5 BA $509,900 SF REDUCED FROM $589,900

U.S. Bank: 23211 Frederick Rd., Highlands at Clarksburg, Clarksburg 20871 4 BR/2.5 BA $413,900 SF

REO: 11409 Fruitwood Way #163, Brandermill, Germantown 20876 3 BR/2.5 BA $230,900 TH Condo

IndyMac Bank: 10813 Game Preserve Rd., Seneca Whetstone, Gaithersburg 20879 4 BR/3.5 BA $459,000 SF

Deutsche Bank: 18460 Gardenia Way, Flower Hill, Gaithersburg 20879 4 BR/2.5 BA $335,000 SF REDUCED FROM $390,900

Wells Fargo Bank: 3800 Gateway Ter. #41, Greencastle Manor, Burtonsville 20866 3 BR/1 BA $174,500 Condo REDUCED FROM $259,000

REO: 13218 Georgia Ave., Greenwood Knolls, Silver Spring 20906 4 BR/2 BA $299,900 SF

Avelo Mortgage: 303 Gilsan Ct., Kemp Mill Estates, Silver Spring 20902 4 BR/2.5 BA $305,000 SF REDUCED FROM $325,000

REO: 22101 Ginger Tree Way, Clarksburg Heights, Clarksburg 20871 4 BR/4.5 BA $515,000 SF

IndyMac Bank: 434 Girard St. #101, Villa Ridge, Gaithersburg 20877 2 BR/1 BA $99,000 Condo

Bank of NY: 442 Girard St. #104, Villa Ridge, Gaithersburg 20877 3 BR/2 BA $142,900 Condo REDUCED FROM $175,900

Freddie Mac: 1208 Gladstone Dr., St. Marys Park, Rockville 20851 3 BR/2 FB/2 HB $369,000 SF REDUCED FROM $374,900

REO: 6011 Goldsboro Rd., Woodburn, Bethesda 20817 3 BR/3 BA $574,900 SF

Residential Funding Corp.: 12711 Gould Rd., Glenmont Hills & Heights, Silver Spring 20906 3 BR/1 BA $223,500 SF REDUCED FROM $259,900

REO: 12729 Grand Elm St., Clarksburg Village, Clarksburg 20871 5 BR/3.5 BA $574,900 SF

REO: 12836 Grand Elm St., Clarksburg Village, Clarksburg 20871 4 BR/2.5 BA $508,250 SF REDUCED FROM $535,000

REO: 5 Grazing Ct., Overlea, Montgomery Village 20886 2 BR/3 BA $215,900 TH REDUCED FROM $244,900

Wells Fargo Bank: 3332 Greencastle Rd., Burtonsville 20866 4 BR/2 BA $375,000 SF REDUCED FROM $474,900

Chase Home Financial: 2206 Greenery Lane #202-20, Glenways Gardens, Silver Spring 20906 2 BR/1 BA $152,900 Condo REDUCED FROM $180,900

Wells Fargo Bank: 2208 Greenery Lane #302-19, Glenways Gardens, Silver Spring 20906 2 BR/1.5 BA $150,000 Condo REDUCED FROM $160,000

IndyMac Bank: 2310 Greenery Lane #102-12, Glenways Gardens, Silver Spring 20906 2 BR/1 BA $158,900 Condo

Citibank: 5712 Greenlawn Dr., North Bethesda 20814 5 BR/3.5 BA $1,160,000 SF REDUCED FROM $1,260,000

REO: 19119 Grotto Lane, Germantown View, Germantown 20874 4 BR/2 FB/2 HB $223,900 TH REDUCED FROM $289,000

REO: 19613 Gunners Branch Rd. #623, Greenfield Commons, Germantown 20876 2 BR/2 BA $169,000 Condo

Countrywide: 19633 C Gunners Branch Rd., Greenfield Commons, Germantown 20876 2 BR/2 BA $142,900 Condo REDUCED FROM $167,900

Countrywide: 18419 Hallmark Ct., Flower Hill, Gaithersburg 20879 3 BR/2 BA $275,900 TH

Deutsche Bank: 13531 Hamlet Square Ct., Fountain Hills, Gaithersburg 20878 2 BR/2.5 BA $299,900 Loft Gar TH

Fannie Mae: 3906 Hampden St., Ken Gar, Kensington 3 BR/1 BA $289,900 SF REDUCED FROM $305,900

REO: 9621 Harvest Knolls Way, Damascus Outside, Gaithersburg 20882 5 BR/2 BA $283,900 SF

Old Republic: 4302 Havard St., Stoneybrook Estates, Silver Spring 20906 5 BR/2 BA $324,900 SF REDUCED FROM $340,000

REO: 11313 Hawks Ridge Ter. #89, Brandermill, Germantown 20876 3 BR/2 BA $209,900 TH REDUCED FROM $219,900

IndyMac Bank: 903 Helena Dr., Ballantrae, Silver Spring 20901 4 BR/2 BA $289,900 SF REDUCED FROM $364,900

REO: 9704 Hellingly Pl. #212, Christopher Court, Montgomery Village 20886 2 BR/2 BA $175,761 Condo REDUCED FROM $205,000

REO: 12355 Herrington Manor Dr., Calverton, Silver Spring 20904 3 BR/3.5 BA $299,900 TH

Citibank: 12401 Hickory Tree Way #724, Gunners View, Germantown 20874 2 BR/2 BA $155,900 Condo

REO: 19148 Highstream Dr. #676, Woodfield, Germantown 20874 3 BR/2.5 BA $244,634 TH REDUCED FROM $260,000

Fannie Mae: 413 Hillsboro Dr., Kemp Mill Estates, Silver Spring 20902 3 BR/2.5 BA $319,900 SF REDUCED FROM $372,900

Countrywide: 116 Hutton St., Deer Park, Gaithersburg 20877 2 BR/1 BA $279,900 SF

REO: 11509 Idlewood Rd., Veirs Mill Village, Silver Spring 20906 3 BR/3 BA $254,900 SF REDUCED FROM $329,900

Countrywide: 4320 Ivy Glen Rd., Veirs Mill Village, Silver Spring 20906 4 BR/2 BA $254,900 SF REDUCED FROM $284,900

Countrywide: 12809 Jingle Lane, Silver Spring 20906 4 BR/3 BA $349,900 SF

Countrywide: 25004 Johnson Farm Rd., Gaithersburg 20882 5 BR/5.5 BA $921,900 SF REDUCED FROM $1,114,900

U.S. Bank: 15216 Jones Lane, Quail Run, Gaithersburg 20878 6 BR/3.5 BA $529,900 SF REDUCED FROM $665,000

USB Real Estate Services: 11512 Joseph Mill Rd., Veirs Mill Village, Silver Spring 20906 2 BR/2 BA $239,900 SF REDUCED FROM $299,900

REO: 13413 Keating St., Wheaton Woods, Rockville 20853 3 BR/1 BA $264,900 SF

Countrywide: 12208 Kendall Ct., Kingswell, Silver Spring 20902 3 BR/1 BA $269,900 SF REDUCED FROM $305,900

U.S. Bank: 904 Kerwin Rd., Ballantrae, Silver Spring 20901 2 BR/1 BA $227,500 SF REDUCED FROM $299,900

Freddie Mac: 19352 Keymar Way, Maryland Place, Montgomery Village 3 BR/1.5 BA $173,973 TH

Bay Rock Mortgage Corp.: 19705 Kildonan Dr., Edinburgh, Gaithersburg 20879 3 BR/2.5 BA $299,000 TH REDUCED FROM $319,900

Chase Home Finance: 201 Kimblewick Dr., Kimblewick, Silver Spring 20904 4 BR/3.5 BA $502,455 SF REDUCED FROM $565,000

Fannie Mae: 10110 Kindly Ct., Stedwick Townhouses, Montgomery Village 20886 4 BR/3.5 BA $244,900 TH REDUCED FROM $279,900

Freddie Mac: 10204 Kindly Ct., Stedwick, Montgomery Village 20886 4 BR/2.5 BA $245,000 TH REDUCED FROM $272,000

Aurora Loan Services: 133 Kinsman View Cir., Northwood Park View, Silver Spring 20901 3 BR/3.5 BA $284,905 TH REDUCED FROM $335,000

REO: 304 Ladson Rd., Northwood Village, Silver Spring 20901 4 BR/3 BA $345,900 SF REDUCED FROM $364,900

REO: 9811 Lake Shore Dr., Dockside, Montgomery Village 20886 2 BR/1.5 BA $204,900 Gar TH Credit Based Asset Servicing: 14913 Lear Lane, Peachwood, Silver Spring 20905 4 BR/3.5 BA $464,900 SF REDUCED FROM $489,900

REO: 11235 Legato Way, Dumont Oaks, Silver Spring 20901 4 BR/2.5 BA $284,900 TH

REO: 11717 Leona St., Wheaton Hills, Silver Spring 20902 3 BR/2 BA $239,999 SF REDUCED FROM $324,900

REO: 915 Lincoln St., Burgandy Knolls, Rockville 20850 5 BR/3 BA $324,900 SF REDUCED FROM $399,900

REO: 12700 Littleton St., Stoneybrook Estates, Silver Spring 20906 3 BR/2 BA $315,900 SF

Trade Bank: 1809 Locust Grove Rd., Woodside Hills, Silver Spring 20910 3 BR/3.5 BA $399,900 Gar TH REDUCED FROM $439,900

REO: 14613 Locustwood Lane, Fairland Acres, Silver Spring 20905 3 BR/3.5 BA $395,000 SF REDUCED FROM $419,900

Citimortgage: 13603 Loyola St., Harmony Hills, Silver Spring 20906 3 BR/2 BA $336,900 SF REDUCED FROM $346,750

REO: 17330 Macduff Ave., Cashell Manor, Olney 20832 5 BR/3.5 BA $535,000 SF

Citi Residential Lending: 13201 Magellan Ave., Aspen Hill Park, Rockville 20853 5 BR/2.5 BA $284,900 SF REDUCED FROM $349,900

Fannie Mae: 4302 Mahan Rd., Veirs Mill Village, Silver Spring 20906 3 BR/2 BA $244,900 SF REDUCED FROM $269,900

REO: 912 Malcolm Dr., Montgomery Knolls, Silver Spring 20901 3 BR/2 BA $296,761,380 SF REDUCED FROM $312,380

REO: 18615 Mallory Pl., Flower Hill, Gaithersburg 20879 3 BR/3 BA $279,900 SF

Fannie Mae: 8704 Manchester Rd. #7, London Terrace, Silver Spring 20901 3 BR/1.5 BA $219,900 Condo REDUCED FROM $232,900

Astoria Federal Savings & Loan: 7611 Maple Ave. #507, Takoma Park 20912 3 BR/2 BA $255,900 Condo REDUCED FROM $265,900

Fannie Mae: 10003 Maple Leaf Dr., Shadow Oak, Montgomery Village 20886 3 BR/3.5 BA $219,900 TH REDUCED FROM $242,900

Countrywide: 13004 Marlow Farm Dr., Marlow Farm, Silver Spring 20904 6 BR/4.5 BA $713,900 SF REDUCED FROM $743,900

South Point: 3115 Medway St., Conn. Ave. Estates, Silver Spring 20902 3 BR/2 BA $199,900 TH REDUCED FROM $275,405

REO: 98 Meem Ave., Meems, Gaithersburg 20877 2 BR/1 BA $184,900 SF

Countrywide: 4606 Mercury Dr., Aspen Hill Park, Rockville 20853 4 BR/2.5 BA $370,900 SF REDUCED FROM $382,900

REO: 128 Middle Point Ct., Foxwood, Gaithersburg 20877 3 BR/2.5 BA $234,900 TH

Bank of New York: 1306 Milestone Dr., Springbrook Village, Silver Spring 20904 4 BR/3.5 BA $397,900 SF REDUCED FROM $409,900

REO: 8505 Milford Ave., Rosemary Hills, Silver Spring 20910 3 BR/1 BA $278,900 SF

REO: 20408 Mill Pond Ter., Neelsville Estates, Germantown 20876 5 BR/3.5 BA $499,900 SF

REO: 7153 Mill Run Dr. #15-3, Mill Creek, Derwood 20855 3 BR/2.5 BA $255,000 TH

REO: 19016 Mills Choice Rd. #4, Mills Choice, Montgomery Village 20886 2 BR/2 BA $139,900 Condo REDUCED FROM $144,900

REO: 7717 Mineral Springs Dr., Emory Grove Park, Gaithersburg 20877 3 BR/1.5 BA $229,900 SF

REO: 8242 Mountain Ash Way, Flower Hill, Gaithersburg 20879 3 BR/2.5 BA $234,000 TH REDUCED FROM $259,900

Fremont Investment: 8209 Mountain Laurel Lane, Flower Hill, Gaithersburg 20879 3 BR/1 FB/2 HB $239,900 SF

Fannie Mae: 7829 Muncaster Mill Rd., Gaithersburg 20877 3 BR/2 BA $269,900 SF REDUCED FROM $286,900

Deutsche Bank: 13148 Musicmaster Dr. #139, Stockbridge/Tanglewood, Silver Spring 20904 3 BR/2 BA $224,900 TH REDUCED FROM $269,900

Wells Fargo Bank: 18631 Nathans Pl., Nathans Hill, Montgomery Village 20886 2 BR/1 BA $164,400 TH

REO: 8030 Needwood Rd.#201, Park Overlook, Derwood 20855 3 BR/2 BA $269,500 Condo

Chase: 2305 Nees Lane, Countryside, Silver Spring 20905 4 BR/3 BA $397,950 SF REDUCED FROM $470,000

REO: 5800 Nicholson Lane #1-T05, The Fallswood, Rockville 20852 1 BR/1 BA $231,500 Condo REDUCED FROM $255,900

REO: 22 Nickelby Ct., Green Hills, Damascus 20872 5 BR/3.5 BA $379,900 SF

U.S. Bank: 421 Northwest Dr., Burnt Mills, Silver Spring 20901 5 BR/1.5 BA $371,400 SF REDUCED FROM $414,900

REO: 403 Oak Knoll Dr., Fallsgrove, Rockville 20850 4 BR/3.5 BA $534,900 Gar TH

Countrywide: 14130 Old Columbia Pike, Burtonsville 20866 2 BR/2 BA $381,900 SF REDUCED FROM $393,900

REO: 15005 Old Columbia Pike, Oakhurst, Burtonsville 20866 3 BR/2 BA $352,000 SF REDUCED FROM $392,000

Fannie Mae: 13019 Open Hearth Way, Pleasant Fields, Germantown 20874 3 BR/1.5 BA TH $229,900 REDUCED FROM $305,900

IndyMac Bank: 14505 Orangewood St., Oak Springs, Silver Spring 20905 4 BR/2.5 BA $432,000 SF

REO: 14 Orchard Dr., The Orchards, Gaithersburg 20878 3 BR/3.5 BA $199,900 TH

Fannie Mae: 948 Orchard Ridge Dr., Quince Orchard Park, Gaithersburg 20878 3 BR/2.5 BA $349,900 TH Condo REDUCED FROM $365,900

REO: 13308 Oriental St., Aspen Hill Park, Rockville 20853 4 BR/2 BA $329,900 SF REDUCED FROM $369,900

REO: 5 Orion Club Dr., Ashton Village, Ashton 20861 4 BR/2.5 BA $419,900 SF

REO: 26900 Overlook St., Damascus 20872 5 BR/3 BA $289,900 SF

HOC Mortgage Co: 716 Oxford Square Dr.,Stonegate, Silver Spring 20905 3 BR/1.5 BA $265,000 TH REDUCED FROM $289,900

REO: 18237 Paladin Dr., Fair Hill Farm, Olney 20832 3 BR/2 FB/2 HB $324,900 TH

Deutsche Bank: 6 Palmetto Ct., Kingsview Ridge, Germantown 20874 3 BR/2 FB/2 HB $329,900 Gar TH REDUCED FROM $345,000

Chase Home Finance: 3821 Palmira Lane, Harmony Hills, Silver Spring 20906 5 BR/3 BA $311,900 SF REDUCED FROM $327,750

REO: 301 Palmspring Dr. #10, Park Summit, Gaithersburg 20878 2 BR/1 BA $219,900 Condo

REO: 3101 Parker Ave., Wheaton Hills, Silver Spring 20902 5 BR/3.5 BA $309,900 SF REDUCED FROM $329,900

IndyMac Bank: 12810 Parkland Dr., Wheaton Woods, Rockville 20853 4 BR/2 BA $247,900 SF REDUCED FROM $349,900

REO: 11907 Parklawn Dr. #301, Walnut Grove, Rockville 20852 3 BR/1 BA $219,900 Condo

Fannie Mae: 3 Parson Grove Ct., Hallowell, Olney 20832 3 BR/3.5 BA $405,900 SF REDUCED FROM $479,900

REO: 11502 Patapsco Dr., Randolph Hills, Rockville 20852 5 BR/2 BA $299,900 SF REDUCED FROM $336,900

First Horizon Home Loan: 1005 Paul Dr., Rockcrest, Rockville 20851 4 BR/2 BA $300,000 SF REDUCED FROM $444,900

Bank of America: 1013 Paul Dr., Rockcrest, Rockville 20851 4 BR/2 BA $294,500 SF REDUCED FROM $310,000

EMC: 20407 Peach Tree Rd, Dickerson 20842 6 BR/3 FB/2 HB $624,900 SF REDUCED FROM $789,900

U.S. Bank: 10916 Pebble Run Dr., Glen Haven, Silver Spring 20902 2 BR/2.5 BA $274,800 Gar TH REDUCED FROM $339,800

U.S. Bank: 100 Pembrooke View Lane, Saybrooke, Gaithersburg 20877 4 BR/2.5 BA $365,700 SF REDUCED FROM $384,900

REO: 4139 Peppertree Lane #4135, Rolling Spring, Silver Spring 20906 3 BR/2 BA $209,900 TH Condo REDUCED FROM $221,900

REO: 8130 Pepperwood Lane, Hamlet North, Gaithersburg 20877 3 BR/2.5 BA $189,900 TH REDUCED FROM $279,900

REO: 2003 Petersfield Pl, Hallowell, Olney 20832 4 BR/3.5 BA $518,500 SF REDUCED FROM $540,000

Fannie Mae: 3005 Piano Lane #38, Stockbridge/Tanglewood, Silver Spring 20904 3 BR/2 BA $241,900 TH REDUCED FROM $254,900

Countrywide: 14204 Piccadilly Rd., Layhill Village East, Silver Spring 20906 4 BR/3 BA $399,900 SF

American Home Mortgage: 5 Pickering Ct., #02, Esprit, Germantown 20874 2 BR/2 BA $229,900 Condo

REO: 15 Pickering Ct. #1, Esprit, Germantown 20874 2 BR/2 BA $184,900 Condo REDUCED FROM $193,900

First Horizon Home Loans: 19 Pickering Ct. #202, Esprit, Germantown 20874 2 BR/2 BA $199,900 Condo REDUCED FROM $253,900

REO: 10605 Pinedale Dr., Northwest Branch Estates, Silver Spring 20901 5 BR/4 BA $409,900 SF

IndyMac Bank: 7217 Pompano Ter., Brookefield, Gaithersburg 20879 4 BR/2.5 BA $539,900 SF REDUCED FROM $694,900

REO: 12916 Poppy Seed Ct., Germantown Park, Germantown 20874 3 BR/1.5 BA $159,900 TH

Countrywide: 7717 Prince Hall Ct., Emory Grove Park, Gaithersburg 20877 4 BR/2 BA $289,900 SF

REO: 23622 Public House Rd., Clarksburg Town Center, Clarksburg 20871 4 BR/4.5 BA $399,900 Gar TH

REO: 12357 Quail Woods Dr., Gunners View, Germantown 20874 6 BR/2 BA $219,900 TH REDUCED FROM $229,900

REO: 19009 Quail Valley Blvd., Quail Valley, Gaithersburg 20879 4 BR/2.5 BA SF

Fannie Mae: 774 Quince Orchard Blvd. #102, Diamond Farm, Gaithersburg 20878 2 BR/2 BA $152,900 Condo REDUCED FROM $185,900

REO: 19029 Red Robin Ter., Germantown View, Germantown 20874 3 BR/2 FB/2 HB $239,900 TH

Countrywide: 17509 Ridge Rd., Olney Acres, Rockville 20853 3 BR/2.5 BA $323,900 SF REDUCED FROM $346,900

Chevy Chase Bank: 9943 Ridgeline Dr., Clubside, Montgomery Village 20886 3 BR/1.5 BA $219,900 TH

REO: 9983 Ridgeline Dr., Clubside, Montgomery Village 20886 3 BR/1.5 BA $158,500 TH

REO: 10187 Ridgeline Dr., Clubside, Montgomery Village 20886 2 BR/1.5 BA $144,900 TH REDUCED FROM $197,450

Deutsche Bank: 10227 Ridgeline Dr., Clubside, Montgomery Village 20886 3 BR/2.5 BA $194,900 TH REDUCED FROM $239,900

Deutsche Bank: 10318 Ridgeline Dr., Clubside, Montgomery Village 20886 3 BR/2.5 BA $174,400 TH REDUCED FROM $214,900

Accredited Home Lenders: 1804 Republic Rd., Northbrook Estates, Silver Spring 20902 3 BR/2 BA $349,900 SF REDUCED FROM $362,500

National City Bank: 7302 Rocky Rd., Gaithersburg 20882 2 BR/2 BA $274,900 SF REDUCED FROM $289,900

U.S. Bank: 1015 Rosemere Ave., Hollywood Park, Silver Spring 20904 3 BR/3 BA $285,000 SF REDUCED FROM $409,900

Deutsche Bank: 18138 Royal Bonnet Cir, Odend Hal, Montgomery Village 20886 3 BR/2.5 BA $213,900 TH REDUCED FROM $239,900

REO: 13333 Rushing Water Way, Clopper Hills, Germantown 20874 4 BR/3.5 BA $299,000 TH REDUCED FROM $319,900

REO: 8 Russell Ave. #203, Gaithersburg 20877 2 BR/1 BA $145,000 Condo

REO: 17518 Sabrina Ter., Cashell Estates, Derwood 20855 3 BR/2.5 BA $269,900 TH REDUCED FROM $329,900

Fannie Mae: 19208 Saint Johnsbury Lane, Fox Chapel, Germantown 20876 3 BR/1.5 BA $289,900 SF REDUCED FROM $429,900

REO: 19228 Saint Johnsbury Lane, Fox Chapel, Germantown 20876 4 BR/2 FB/2 HB $307,000 SF REDUCED FROM $325,000

HSBC Bank: 425 Sanders Lane, Whetstone Run, Gaithersburg 20877 4 BR/3.5 BA $431,999 SF REDUCED FROM $480,000

REO: 19366 Sandy Lake Dr., Goshen Village, Gaithersburg 20879 3 BR/2.5 BA $199,900 TH

Countrywide: 13104 Scarlet Oak Dr., Quail Run, Gaithersburg 20878 3 BR/2.5 BA $525,000 SF REDUCED FROM $563,900

REO: 21709 Seneca Ayr Dr., Summerfield Crossing, Boyds 20841 5 BR/4.5 BA $665,000 SF REDUCED FROM $730,000

Fannie Mae: 5005 Sentinel Dr. #33, Sumner Court, Bethesda 20816 2 BR/1 BA $229,900 Condo REDUCED FROM $310,000

REO: 13015 Shadyside Lane #12-195, Waters House, Germantown 20874 2 BR/2 BA $164,900 Condo REDUCED FROM $227,900

REO: 17652 Shady Spring Ter., Mineral Springs Village, Gaithersburg 20877 3 BR/1.5 BA $189,900 TH

Freddie Mac: 24712 Showbarn Cir., Damascus Hill, Damascus 20872 3 BR/2 BA $342,895 SF

Bank of New York: 14828 Silver Ash Ct., Valley Stream Estates, Burtonsville 20866 4 BR/2.5 BA $310,900 SF REDUCED FROM $344,900

Fremont Investment: 21108 Silver Birch Lane, Seneca Crossing, Germantown 20876 3 BR/3 BA $549,900 SF REDUCED FROM $649,900

Countrywide: 21109 Silver Birch Lane, Seneca Crossing, Germantown 20876 5 BR/3.5 BA $531,900 SF REDUCED FROM $555,900

Fulton Bank: 13814 Sloan St., Rock Creek Manor, Rockville 20853 4 BR/2.5 BA $410,000 SF

REO: 18222 Smoke House Ct., Pleasant Fields, Germantown 20874 3 BR/1.5 BA $210,000 TH

IndyMac Bank: 1811 Snowdrop Lane, Layhill Gardens, Silver Spring 20906 4 BR/5.5 BA $395,900 SF REDUCED FROM $409,900

Fannie Mae: 20538 Staffordshire Dr., Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $310,000 TH

REO: 2 Standard Ct. #1, Newport Estates, Gaithersburg 20877 2 BR/1 BA $137,500 TH Condo REDUCED FROM $159,900

Countrywide: 19229 Staleybridge Rd., Fox Chapel, Germantown 20876 3 BR/2 BA $319,900 SF REDUCED FROM $324,900

Deutsche Bank: 5 Stanley Ct., Rockland, Rockville 20851 6 BR/2 BA $335,000 SF REDUCED FROM $379,900

HomeEq Servicing: 68 State Ct. #113, Newport Estates, Gaithersburg 20877 3 BR/2.5 BA $185,000 TH

REO: 19141 Stedwick Dr., Stedwick Townhouses, Montgomery Village 20886 4 BR/2.5 BA $236,900 TH

REO: 14417 Stepping Stone Way, Castlegate, Burtonsville 20866 3 BR/1 BA $234,900 TH REDUCED FROM $259,900

U.S. Bank: 18418 Stone Hollow Dr., Stoneridge, Germantown 20874 2 BR/2.5 BA $199,500 TH REDUCED FROM $257,900

Deutsche Bank: 18484 Stone Hollow Dr., Stoneridge, Germantown 20874 3 BR/2.5 BA $205,900 TH REDUCED FROM $254,900

Citi: 23 Stoney Point Ct., Brandermill, Germantown 20876 3 BR/2 BA $214,900 TH

GRP Loan: 11463 Stoney Point Pl., Brandermill, Germantown 20876 3 BR/2 BA $209,900 TH

Fannie Mae: 19956 Stoney Point Way, Brandermill, Germantown 20876 3 BR/2 BA $239,900 TH REDUCED FROM $252,900

Citimortgage: 20550 Strath Haven Dr., Essex Place, Montgomery Village 20886 2 BR/1.5 BA $184,900 TH REDUCED FROM $244,900

REO: 18336 Streamside Dr. #302, Rosewood, Gaithersburg 20879 3 BR/2 BA $169,900 Condo REDUCED FROM $197,900

REO: 10516 Sunny Brooke Lane, Piney Glen Village, Potomac 20854 3 BR/2.5 BA $469,900 Gar TH REDUCED FROM $510,000

REO: 18 Sunnyview Ct., Meadowbrook Estates, Germantown 20876 3 BR/3 BA $349,900 SF

REO: 2408 Sun Valley Cir. #6-D, Kimberly Place, Silver Spring 20906 3 BR/1 BA $189,900 TH REDUCED FROM $249,900

Wells Fargo Bank: 9924 Tambay Ct., Shadow Oak, Montgomery Village 20886 3 BR/2.5 BA $210,000 TH

REO: 811 Tanley Rd., Rocky Brook Park, Silver Spring 20904 5 BR/2 BA $374,900 SF

Wells Fargo Bank: 9 Templar Ct., Burgandy Estates, Rockville 20851 3 BR/2 BA $293,900 SF REDUCED FROM $360,000

Countrywide: 10020 Tenbrook Dr., Argyle Club Estates, Silver Spring 20901 5 BR/2 BA $287,900 SF REDUCED FROM $384,900

Fannie Mae: 17733 Topfield Dr. #5-G, Hamlet North, Gaithersburg 20877 3 BR/3.5 BA $229,000 TH REDUCED FROM $251,900

REO: 20107 Torrey Pond Pl., Shadow Oak, Gaithersburg 20886 3 BR/2.5 BA $194,900 TH

REO: 19421 Transhire Rd., Maryland Place, Montgomery Village 20886 3 BR/2.5 BA $189,000 TH REDUCED FROM $205,000

SunTrust Bank: 6 Travilah Ter., Potomac 20854 6 BR/5 FB/2 HB $1,119,900 SF REDUCED FROM $1,275,000

IndyMac Bank: 22246 Trentworth Way, Clarksburg Heights, Clarksburg 20871 3 BR/2.5 BA $393,800 Gar TH

Deutsche Bank: 13401 Turkey Branch Pkwy., Brookhaven, Rockville 20853 3 BR/1.5 BA $324,900 SF

REO: 1319 Twig Ter., Oak Springs, Silver Spring 20905 3 BR/2.5 BA $260,000 TH

REO: 326 University Blvd. E, Franklin Knolls, Silver Spring 20901 5 BR/3 BA $349,900 SF

U.S. Bank : 12205 Valleywood Dr., Conn. Ave. Estates, Silver Spring 20902 3 BR/1 BA $242,400 SF REDUCED FROM $284,900

Wells Fargo: 12229 Valleywood Dr., Conn. Ave. Estates, Silver Spring 20902 $258,000 SF REDUCED FROM $345,000

REO: 12304 Valleywood Dr., Conn. Ave. Estates, Silver Spring 20902 3 BR/1 BA $199,900 SF REDUCED FROM $285,900

REO: 13110 Valleywood Dr., Greenwood Knolls, Silver Sprng 20906 5 BR/2 BA $299,900 SF REDUCED FROM $324,900

REO: 13120 Vandalia Dr., Brookhaven, Rockville 20853 3 BR/1 BA $248,500 SF REDUCED FROM $299,900

REO: 928 Venice Dr., Springbrook Terrace, Silver Spring 20904 4 BR/4 BA $354,900 SF REDUCED FROM $399,900

Fremont Investment: 9416 Vineyard Haven Dr., Salems Grant, Montgomery Village 20886 3 BR/3.5 BA $399,900 SF

REO: 13918 Vista Dr., Bel Pre Woods, Rockville 20853 4 BR/2 BA $309,900 SF

REO: 9910 Walker House Rd. #1, Normandie on the Lake II, Montgomery Village 20886 2 BR/2 BA $129,750 Condo

REO: 18707 Walkers Choice Rd. #4, Normandie on the Lake I, Montgomery Village 20886 3 BR/2 BA $149,900 Condo REDUCED FROM $165,000

Resource Bank: 18715 Walkers Choice Rd. #3, Normandie on the Lake I, Montgomery Village 20886 1 BR/1 BA $144,900 Condo REDUCED FROM $154,900

Banco Popular: 18726 Walkers Choice Rd. #4, Normandie on the Lake II, Montgomery Village 20886 3 BR/2 BA $142,900 Condo REDUCED FROM $179,000

Fannie Mae: 18802 Walkers Choice Rd. #4, Normandie on the Lake II, Montgomery Village 20886 2 BR/2 BA $119,900 Condo REDUCED FROM $194,900

REO: 19101 Warrior Brook Dr., Germantown Estates, Germantown 20874 3 BR/2 BA $304,900 SF

Countrywide: 17630 Washington Grove Lane, Gaithersburg 20877 4 BR/2 BA $307,900 SF REDUCED FROM $317,900

REO: 20123 Waterside Dr. #98, Villas Willow Cove, Germantown 20874 2 BR/2 BA $189,100 Condo REDUCED FROM $225,000

Chase Home Finance: 17 Water St. #26, Lilac Gardens, Gaithersburg 20877 2 BR/1 BA $104,500 Condo REDUCED FROM $119,900

Accredited Home Lenders: 10010 Wedge Way, Club Hill, Gaithersburg 20886 3 BR/1 FB/2 HB $194,900 TH REDUCED FROM $214,875

REO: 10050 Wedge Way, Club Hill, Montgomery Village 20886 3 BR/2.5 BA $199,000 TH

REO: 8608 Welbeck Way, McConkey, Montgomery Village 20886 4 BR/2.5 BA $194,900 TH REDUCED FROM $159,000

Countrywide: 8625 Welbeck Way, McConkey, Montgomery Village 20886 3 BR/2.5 BA $154,900 TH

REO: 8815 Welbeck Way, McConkey, Montgomery Village 20886 3 BR/2.5 BA $149,900 TH REDUCED FROM $174,900

Fannie Mae: 8828 Welbeck Way, McConkey, Montgomery Village 20886 4 BR/2.5 BA $165,900 TH REDUCED FROM $179,900

Deutsche Bank: 8909 Westland Dr., Walnut Hill, Gaithersburg 20877 4 BR/2.5 BA $359,900 SF Needs Renovation

Citimortgage: 824 West Side Dr. #12-D, Brighton West, Gaithersburg 20878 3 BR/2.5 BA $200,000 TH Condo REDUCED FROM $219,900

Chase Home Finance: 666 West Side Dr., Brighton West, Gaithersburg 20878 5 BR/3.5 BA $199,900 TH

Countrywide: 14702 Wexhall Ter. #17, Towns of Gloucester, Burtonsville 20866 3 BR/2.5 BA $215,900 TH Condo REDUCED FROM $222,900

IndyMac Bank: 19203 Wheatfield Ter., Seneca Park, Gaithersburg 20879 3 BR/2 FB/2 HB $275,000 TH REDUCED FROM $287,000

REO: 19278 Wheatfield Ter., Seneca Park, Gaithersburg 20879 3 BR/3.5 BA $275,000 TH REDUCED FROM $320,000

Countrywide: 3638 Wheat Miller Dr., Falling Green, Mount Airy 21771 4 BR/3.5 BA $587,900 REDUCED FROM $596,900

REO: 12901 Wheatridge Ter., Village of Cloppers Mill, Germantown 20874 5 BR/3.5 BA $499,900 SF

Wells Fargo Bank: 8205 Whispering Oaks Way #101, Rosewood, Gaithersburg 20879 2 BR/2 BA $141,669 Condo REDUCED FROM $187,900

Fremont Investment: 7 Whitechurch Ct., Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $214,900 TH REDUCED FROM $239,900

REO: 13233 Whitechurch Cir., Churchill Town Sector, Germantown 20874 3 BR/1.5 BA $200,000 TH REDUCED FROM $225,000

REO: 1691 White Oak Vista, Gatestone, Silver Spring 20904 4 BR/3.5 BA $400,000 Gar TH

Chase Home Finance: 13116 Wilton Oaks Dr., Wilton Oaks, Silver Spring 20906 4 BR/2.5 BA $404,900 SF

REO: 6403 Winnepeg Rd., Georgetown Village, Bethesda 20817 5 BR/4.5 BA $809,900 SF

REO: 13667 Winterspoon Lane #32, Willow Cove Manor, Germantown 20874 3 BR/2.5 BA $199,777 TH REDUCED FROM $264,900

Fremont Investment: 9926 Woodburn Rd., Indian Spring Village, Silver Spring 20901 2 BR/1.5 BA $389,900 SF REDUCED FROM $439,900

REO: 23312 Woodfield Rd., Gaithersburg 20882 5 BR/3 BA $289,900 SF WATER DAMAGE

REO: 25011 Woodfield Rd., Country View, Damascus 20872 3 BR/2 BA $349,900 SF

American Home Mortgage: 9902 Woodland Dr., Forest Glen Homes, Silver Spring 20902 4 BR/3 BA $399,900 SF REDUCED FROM $420,000

REO: 19926 Wyman Way, Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $222,000 TH REDUCED FROM $244,900

REO: 12737 York Mill Lane, Clarksburg Heights, Clarksburg 20871 4 BR.3.5 BA $369,900 TH REDUCED FROM $379,900

Countrywide: 11705 Zebrawood Ct., Middlebrook Commons, Germantown 20876 2 BR/1.5 BA $159,900 TH REDUCED FROM $195,900

Please contact us if you have questions about the foreclosure process in Maryland. If you are searching for a property, please tell us about your specific needs. Please refer your friends that may wish to purchase a residence or investment property.

Your Real Estate Advisor,

Roy Kelley Roy Kelley & Associates

Associate Broker, RE/MAX Realty Group

6 Montgomery Village Avenue, Suite 200 Gaithersburg, MD 20879

Direct: 301-921-4569

Client Assistance: 301-670-8996 Email: roykelley@mris.com Fax: 301-921-4586 Main Office: 301-258-7757 x 569

Home Search Website: www.roykelley.com (All available listings may by viewed on Homes Prospector)

The Gender Card

I love Jon Stewart.

MONTGOMERY COUNTY, MARYLAND LENDER OWNED FORECLOSURES (Rev. 8/29/08)

Market Conditions: We have a surplus inventory of homes for sale in Montgomery County, MD. So, the buyer's market will continue for the coming months. The residential market is very active and sales are brisk, as buyers take advantage of the available bargains in the inventory of lender owned homes. Buyers have been waiting for low prices and now they are able to purchase at the lowest prices that we have seen in several years. Lenders are reducing prices on the REO homes and the sales volume has increased. Interest rates are very attractive but the mortgage financing options are fewer in number and the underwriting guidelines are more restrictive. All prospective home buyers should be pre-approved for financing at the first stage of the home search. By all appearances, the time frame from now through December will be an excellent time for home purchases. Many home sellers have deferred their listings in anticipation of a stronger market in the new year.


MONTGOMERY COUNTY, MARYLAND LENDER OWNED FORECLOSURES (Rev. 8/29/08)
(Contact us for further price reductions)

Roy Kelley, RE/MAX Realty Group, Gaithersburg, MD 301-921-4569 roykelley@mris.com

We have a very simple request if you wish to receive our information and advice. We ask you to agree to use us as your exclusive buyer agents for your next real estate purchase. Please advise us if you are represented by another real estate agent.

REO homes are foreclosures owned by lenders and other entities. We represent clients as exclusive buyer agents. The disclosures that are required for home buyers in Maryland will be provided when you meet with us. Buyers must have pre-approval letters for mortgage financing. Email us for a referral to a lender. The following are available REO homes. Prices are reduced until they are sold.

REO: 808 1st St., Burgandy Village, Rockville 20850 3 BR/2 BA $301,900 SF REDUCED FROM $317,000

Countrywide: 13612 Ambassador Dr., Landing Glen, Germantown 20874 2 BR/2.5 BA $254,900 TH

Tribeca Lending: 20528 Amethyst Lane, Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $254,900 TH REDUCED FROM $275,500

Indymac Bank: 20557 Amethyst Lane, Churchill Town Sector, Germantown 20874 2 BR/1.5 BA $219,900 TH REDUCED FROM $235,500

Countrywide: 8347 Amity Cir., Hamlet North, Gaithersburg 20877 3 BR/2.5 BA $255,900 TH Condo REDUCED FROM $306,900

Fannie Mae: 17633 Amity Dr., Hamlet North, Gaithersburg 20877 3 BR/2.5 BA $239,900 TH Condo REDUCED FROM $259,900

Aurora Loan Services: 17643 Amity Dr., Hamlet North, Gaithersburg 20877 3 BR/3.5 BA $217,500 TH Condo REDUCED FROM $267,000

HSBC Bank: 25025 Angela Ct., Clearspring Manor, Damascus 20872 3 BR/2.5 BA $218,500 TH REDUCED FROM $260,000

REO: 13478 Ansel Ter., Cloppers Mill West, Germantown 20874 3 BR/2.5 BA $369,900 TH

IndyMac Bank: 19811 Apple Ridge Pl., Watkins Mill, Montgomery Village 20886 3 BR/1.5 BA $185,000 TH REDUCED FROM $244,900

Fannie Mae: 13705 Arctic Ave., Bel Pre Woods, Rockville 20853 3 BR/1 BA $279,900 SF REDUCED FROM $372,900

GMAC Mortgage: 3717 Astoria Rd., Newport Hills, Kensington 20895 4 BR/3 BA $289,000 SF REDUCED FROM $418,950

REO: 900 Ashton Rd., Brooke Grove, Ashton 20861 3 BR/2 BA $414,900 SF

Wells Fargo Bank: 11705 Ashworth Ct., Fox Chapel, Germantown 20876 3 BR/2.5 BA $188,100 TH REDUCED FROM $197,950

IndyMac Bank: 13801 Aston Manor Dr. #1, Ashton Manor, Silver Spring 20904 4 BR/2.5 BA $446,900 Gar TH
REO: 12403 Atherton Dr., Conn. Ave. Park, Silver Spring 20906 3 BR/1 BA $312,495 SF REDUCED FROM $375,000

REO: 7614 Augustine Way, Goshen Estates, Gaithersburg 20879 5 BR/3.5 BA $485,900 SF REDUCED FROM $539,900

REO: 11944 Bambi Ct., Quince Orchard Manor, Gaithersburg 20878 4 BR/2.5 BA $329,900 SF REDUCED FROM $399,900

Wells Fargo Bank: 18211 Barnesville Rd., Barnesville Town, Barnesville 20838 3 BR/1.5 BA $402,000 SF

Ocwen: 712 Bayfield St., Rolling Terrace,Takoma Park 20912 5 BR/3 BA $350,000 SF REDUCED FROM $374,900

REO: 3371 Beaverwood Lane, Contee Bel Pre, Silver Spring 20906 4 BR/3.5 BA $334,900 TH REDUCED FROM $369,900

U.S. Bank: 3744 Bel Pre Rd. #8, Fairways, Silver Spring 20906 3 BR/2 BA $142,900 Condo REDUCED FROM $154,900

U.S. Bank: 3834 Bel Pre Rd. #2-112, Grand Bel Manor, Silver Spring 20906 1 BR/1 BA $108,500 Condo REDUCED FROM $129,720

REO: 3944 Bel Pre Rd. #5, Grand Bel, Silver Spring 20906 2 BR/2 BA $139,900 Condo REDUCED FROM $149,900

Deutsche Bank: 3964 Bel Pre Rd. #7, Grand Bel, Silver Spring 20906 3 BR/2 BA $144,900 Condo REDUCED FROM $154,900

Fannie Mae: 19808 Billings Ct., Partridge Place, Montgomery Village 20886 3 BR/2.5 BA $236,900 TH REDUCED FROM $255,900

Deutsche Bank: 12613 Black Saddle Lane, The Colony, Germantown 20874 3 BR/1.5 BA $201,450 TH REDUCED FROM $241,900

U. S. Bank: 10405 Bloom Dr., Green Hills, Damascus 20872 5 BR/2 BA $298,400 SF REDUCED FROM $419,900

REO: 2101 Blue Knob Ter., Longmead, Silver Spring 20906 3 BR/3.5 BA $359,900 Gar TH

Wells Fargo: 21018 Blunt Rd., Goshen Manor, Germantown 20876 4 BR/3.5 BA $607,500 SF REDUCED FROM $675,000

Citimortgage: 12936 Boggy Trail Way, Milestone, Germantown 20876 3 BR/2.5 BA $319,900 TH REDUCED FROM $337,250

Countrywide: 605 Bonifant Rd., Stonegate, Silver Spring 20905 5 BR/3 BA $467,900 SF

Keystone Asset Management: 14300 Brad Dr., Bel Pre Woods, Rockville 20853 3 BR/2 BA $399,900 SF

Freddie Mac: 9006 Bramble Bush Ct., Hunters Woods, Gaithersburg 20879 3 BR/1.5 BA $189,900 TH REDUCED FROM $207,050

REO: 20306 Brandermill Dr., Chadswood, Germantown 20876 3 BR/3.5 BA $318,900 SF REDUCED FROM $349,900

Countrywide: 19411 Brassie Pl. #102, Thomas Choice, Montgomery Village 20886 3 BR/2 BA $149,900 Condo REDUCED FROM $164,900

Wells Fargo: 12201 Braxfield Ct. #6, Bethesda Park, Rockville 20852 2 BR/1 BA $164,900 Condo REDUCED FROM $210,000

REO: 12309 Braxfield St. #441, Bethesda Park, Rockville 20852 3 BR/2 BA $235,000 Condo REDUCED FROM $240,000

Aurora Loan Services: 7330 Brenish Dr., Edinburgh, Gaithersburg 20879 4 BR/2 BA $299,900 SF REDUCED FROM $350,000

Greenpoint Mortgage: 23313 Brewers Tavern Way, Highlands, Clarksburg 20871 3 BR/2 FB/2 HB $350,000 Gar TH REDUCED FROM $382,000

Fannie Mae: 26012 M Brigadier Pl., Damascus Gardens, Damascus 20872 2 BR/2 BA $174,900 Condo REDUCED FROM $190,900

REO: 26015 J Brigadier Pl., Damascus Gardens, Damascus 20872 2 BR/2 BA $162,500 Condo REDUCED FROM $197,000

Avelo Mortgage: 1900 Briggs Rd., Layhill South, Silver Spring 20906 4 BR/3.5 BA $390,000 SF REDUCED FROM $400,000

REO: 9266 Broadwater Dr., Goshen Village, Gaithersburg 20879 3 BR/2.5 BA $219,900 TH REDUCED FROM $294,900

Deutsche Bank: 18530 Brooke Rd., Brooke Grove, Sandy Spring 20860 4 BR/2 BA $289,900 SF REDUCED FROM $354,900

REO: 9808 Brookridge Ct., McKendrie, Montgomery Village 20886 4 BR/2.5 BA $161,500 TH

IndyMac Bank: 9898 Brookridge Ct., McKendrie, Montgomery Village 20886 3 BR/2.5 BA $180,000 TH

REO: 11493 Brundidge Ter., Brandermill, Germantown 20876 3 BR/2 FB/2 HB $240,000 TH

REO: 3916 Bryant Park Cir., Greencastle Towns, Burtonsville 20866 4 BR/4.5 BA $399,950 Gar TH

Deutsche Bank: 23827 Burdette Forest Rd., Clarksburg Town Center, Clarksburg 20871 4 BR/2.5 BA $474,000 SF REDUCED FROM $579,900

REO: 608 Burnt Mills Ave., Burnt Mills Manor, Silver Spring 20901 4 BR/3 BA $399,900 SF REDUCED FROM $414,900

Fremont Investment: 12605 Bushey Dr., Conn. Ave. Park, Silver Spring 20906 3 BR/2 BA $279,900 SF REDUCED FROM $349,900

REO: 20427 Cabana Dr., Chadswood, Germantown 20876 4 BR/3.5 BA $349,000 SF

Washington Mutual Bank: 18629 Calypso Pl., Flower Hill, Gaithersburg 20879 4 BR/3.5 BA $334,500 SF REDUCED FROM $389,900

U.S. Bank: 8524 Calypso Lane, Flower Hill, Gaithersburg 20879 4 BR/3 BA $329,900 SF REDUCED FROM $399,000

REO: 18713 Calypso Pl., Flower Hill, Gaithersburg 20879 4 BR/2 FB/2 HB $384,500 SF REDUCED FROM $415,000

REO: 12812 Camellia Dr., Layhill South, Silver Sprng 20906 4 BR/2.5 BA $380,000 SF REDUCED FROM $429,900

REO: 9821 Canal Rd., Whetstone, Montgomery Village 20886 4 BR/2.5 BA $419,821 SF REDUCED FROM $425,000

REO: 19009 Capehart Dr., Stedwick, Montgomery Village 20886 3 BR/2.5 BA $219,900 TH

U.S. Bank: 19039 Capehart Dr., Stedwick, Montgomery Village 20886 3 BR/2.5 BA $234,900 TH REDUCED FROM $305,900

REO: 1319 Carlsbad Dr., Woodland Hills, Gaithersburg 20879 3 BR/3.5 BA $299,000 TH REDUCED FROM $319,900

REO: 8011 Carroll Ave., Takoma Park 20912 5 BR/3 BA $314,900 SF REDUCED FROM $344,900

Fannie Mae: 8746 Carroll Ave, Golden Terrace, Silver Spring 20903 3 BR/1 BA $179,900 TH REDUCED FROM $264,900

National City Bank: 3304 Castle Ridge Cir. #21, Renaissance Plaza, Silver Spring 20904 3 BR/2 FB/2 HB $324,900 Gar TH

Household Finance: 3417 Castle Way, Ventura, Silver Spring 20904 3 BR/2.5 BA $239,900 TH REDUCED FROM $282,900

Fannie Mae: 14206 Catamount Ct., Bel Pre Manor, Silver Spring 20906 4 BR/2.5 BA $314,900 TH REDUCED FROM $374,900

M & T Bank: 13220 Catawba Manor Way, Catawba Manor, Clarksburg 20871 5 BR/3.5 BA $524,900 SF REDUCED FROM $550,000

Deutsche Bank: 11102 Cedarbluff Lane, Blunt Commons, Germantown 20876 3 BR/2 BA $209,900 TH REDUCED FROM $220,000

Freddie Mac: 9072 Centerway Rd., Charlene Townhouses, Gaithersburg 20879 3 BR/2.5 BA $176,750 TH

Fremont Investment: 9134 Centerway Rd., Charlene, Gaithersburg 20879 3 BR/2.5 BA $214,900 TH REDUCED FROM $265,900

REO: 9337 Chadburn Pl, Mcrory, Montgomery Village 20886 3 BR.2.5 BA $175,750 TH REDUCED FROM $184,900

REO: 18000 Chalet Dr., #198, Farmingdale, Germantown 20874 2 BR/2 BA $169,900 Condo REDUCED FROM $784,900

REO: 1804 Chapel Hill Rd., Norwood Village, Silver Spring 20906 4 BR/3.5 BA $432,500 SF REDUCED FROM $455,000

Chase Home Finance: 2900 Chapel View Dr., Calverton, Silver Spring 20904 4 BR/3.5 BA $304,900 SF REDUCED FROM $334,900

REO: 5712 Chapman Mill Dr. #1404, Gables of Tuckerman, Rockville 20852 3 BR/2 BA $394,000 Condo

REO: 14203 Chelmsford Rd., English Manor, Rockville 20853 5 BR/3 BA $334,900 SF

REO: 11408 Cherry Hill Rd. #MC, Maryland Farms, Silver Spring 20904 2 BR/1.5 BA $130,800 Condo REDUCED FROM $152,500

Wells Fargo Bank: 18406 Cherry Laurel Lane, Flower Hill, Gaithersburg 20879 4 BR/3.5 BA $278,999 TH REDUCED FROM $295,900

REO: 3909 Chesterwood Dr., Montgomery Chase, Silver Spring 20906 2 BR/1.5 BA $209,900 TH Condo

Lasalle Bank: 4081 Chesterwood Dr., Montgomery Chase, Silver Spring 20906 3 BR/2 BA $265,500 TH Condo REDUCED FROM $285,500

REO: 25128 Chimney House Ct., Clearspring Manor, Damascus 20872 3 BR/2 BA $285,900 SF REDUCED FROM $299,900

Deutsche Bank: 20006 Choctaw Ct, Blunt Commons, Germantown 20876 3 BR/1 FB/2 HB $203,544 TH REDUCED FROM $249,900

REO: 20022 Choctaw Ct., Blunt Commons, Germantown 20876 3 BR/1 BA $218,500 TH REDUCED FROM $229,900

Deutsche Bank: 8513 Churchill Downs Rd., Greenhills Farm, Gaithersburg 20882 5 BR/4.5 BA $824,900 SF

Indymac Bank: 12900 Churchill Ridge Cir. #1-9, Churchill View, Germantown 20874 3 BR/2 BA $172,900 Condo REDUCED FROM $191,900

Countrywide: 22 Cinnabar Ct., Hadley Farms, Gaithersburg 20879 4 BR/3.5 BA $342,900 SF

Fannie Mae: 12832 Clarksburg Square Rd. #207, Clarksburg 20871 3 BR/2 BA $274,900 Condo REDUCED FROM $299,900

REO: 4409 Clearfield Rd., Veirs Mill Village, Silver Spring 20906 4 BR/2 BA $267,450 SF

REO: 19817 Cochrane Way, Hunters Woods, Gaithersburg 20879 3 BR/2.5 BA $325,900 SF REDUCED FROM $380,000

Fulton Bank: 2300 Cold Meadow Way, Longmead, Silver Spring 20906 3 BR/3.5 BA $364,900 TH REDUCED FROM $394,900

REO: 1405 Colesberg St., Good Hope Estates, Silver Spring 20905 4 BR/2.5 BA $417,500 SF REDUCED FROM $437,500

REO: 11903 Colin Rd., Veirs Mill Village, Silver Spring 20906 2 BR/2 BA $205,900 SF REDUCED FROM $369,900

REO: 13204 Collingwood Ter., Fairknoll, Silver Spring 20904 4 BR/2 BA $339,900 SF

Indymac Bank: 2912 Collins Ave., Wheaton Hills, Silver Spring 20902 3 BR/2 BA $276,900 SF

Countrywide: 9912 Colorado Ct., Clearspring Manor, Damascus 20872 4 BR/2.5 BA $366,900 SF REDUCED FROM $384,900

Fannie Mae: 25619 Coltrane Dr., Damascus Manor, Damascus 20872 3 BR/1 FB/2 HB $235,900 TH REDUCED FROM $264,900

REO: 8900 Connecticut Ave., Chevy Chase 20815 3 BR/3 BA $514,900 SF REDUCED FROM $539,900

REO: 12305 Connecticut Ave., Conn. Ave. Estates, Silver Spring 20906 4 BR/1.5 BA $319,900 SF REDUCED FROM $414,900

REO: 17926 Cottonwood Ter., Mineral Springs Village, Gaithersburg 20877 3 BR/2 FB/2 HB $219,500 Gar TH REDUCED FROM $279,900

Fannie Mae: 13270 Country Ridge Dr., Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $295,900 TH

REO: 13280 Country Ridge Dr., Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $265,900 TH REDUCED FROM $309,900

REO: 13420 Country Ridge Dr., Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $299,900

REO: 11 County Ct. #15-6, Shady Grove Village, Gaithersburg 20878 3 BR/1.5 BA $214,900 TH

Countrywide: 12919 Creamery Hill Dr., Villages of Cloppers Mill, Germantown 4 BR/2.5 BA $489,900 SF REDUCED FROM $497,900

REO: 7622 Creekstone Ct., Emory Grove Park, Gaithersburg 20877 3 BR/3 BA $289,900 SF

REO: 12908 Crisfield Rd., Conn. Ave. Estates, Silver Spring 20906 5 BR/2 BA $345,000 SF REDUCED FROM $430,000

SunTrust Mortgage: 9 Cross Country Ct., Meadowvale, Gaithersburg 20879 3 BR/2 FB/2 HB $224,900 TH REDUCED FROM $275,000

REO: 8808 Cross Country Pl., Meadowvale, Gaithersburg 20879 3 BR/2.5 BA $229,000 TH REDUCED FROM $245,000

Guaranty Bank: 5105 Crossfield Ct. #323, Bethesda Park, Rockville 20852 1 BR/1 BA $170,000 Condo

Fannie Mae: 19239 Cross Ridge Dr., Gunners Lake Village, Germantown 20874 3 BR/2.5 BA $264,900 TH REDUCED FROM $285,900

Fannie Mae: 18901 Crosstie Ter., Germantown Estates, Germantown 20874 3 BR/2.5 BA $274,900 TH
REDUCED FROM $297,900

REO: 13029 Dairymaid Dr., Farmingdale Estates, Germantown 20874 3 BR/2 FB/2 HB $210,000 TH REDUCED FROM $259,900

REO: 12007 Dalewood Dr., Conn. Ave. Estates, Silver Spring 20902 3 BR/2 BA $192,900 TH REDUCED FROM $202,000

REO: 25376 Damascus Park Ter., Magruders Overlook, Damascus 20872 3 BR/2 FB/2 HB $327,000 Gar TH

Fremont Investment: 13300 Dauphine St., Harmony Hills, Silver Spring 20906 4 BR/2.5 BA $324,900 SF

REO: 13353 Demetrias Way, Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $195,000 TH REDUCED FROM $250,000

Fannie Mae: 2803 Denley Pl., Glenmont Hills & Heights, Silver Spring 20906 3 BR/1 BA $234,900 SF

Countrywide: 2805 Denley Pl., Glenmont Hills & Heights, Silver Spring 20906 3 BR/2 BA $304,900 SF

Countrywide: 513 Diamond Ave. #7, Stratford Mews, Gaithersburg 20877 2 BR/2.5 BA $192,900 TH Condo

REO: 9809 Dilston Rd., Oakwood, Silver Spring 20903 4 BR/1.5 BA $314,900 SF REDUCED FROM $359,900

Garnet Investments: 9909 Dilston Rd., Oakview, Silver Spring 20903 4 BR/1.5 BA $240,000 SF REDUCED FROM $299,900

REO: 15018 Dinsdale Dr., Longmead, Silver Spring 20906 3 BR/2.5 BA $257,000 TH REDUCED FROM $270,000

REO: 26832 Dix St., Damascus 20872 3 BR/2.5 BA $389,900 SF REDUCED FROM $399,900

REO: 404 Domer Ave., Takoma Park 20912 7 BR/3 BA $329,000 SF REDUCED FROM $449,900

REO: 5 Dorothy Lane, Twinbrook Forest, Rockville 20851 3 BR/2 BA $285,000 SF REDUCED FROM $349,900
IndyMac Bank: 702 Douglas Ave., Lincoln Park, Rockville 20850 5 BR/2.5 BA $236,000 SF REDUCED FROM $291,000

REO: 16116 Drayton Farm Dr., Parrs Ridge, Spencerville 20868 5 BR/3 BA $610,000 SF

IndyMac Bank: 19909 Drexel Hill Cir., Rogers Forge, Montgomery Village 20886 3 BR/2.5 BA $255,000 TH

HomeEq Servicing: 41 Drumcastle Ct., Brandermill, Germantown 20876 4 BR/3.5 BA $248,500 TH

Countrywide: 13205 Dumbarton Dr., Brookhaven, Rockville 20853 3 BR/2 BA $289,900 SF

Chase: 20041 Dunstable Cir. #311, Scenery Pointe, Germantown 20876 2 BR/1.5 BA $221,900 TH Condo REDUCED FROM $260,000

HSBC Mortgage Services: 15413 Durant St., Good Hope Estates, Silver Spring 20905 5 BR/3 BA $420,000 SF

U.S. Bank: 128 Duvall Lane #172-T, Fireside, Gaithersburg 20877 3 BR/2 BA $94,900 Condo REDUCED FROM $119,900

REO: 9116 Edgewood Dr., Rosemont, Gaithersburg 20877 4 BR/2 FB/2 HB $479,900 SF

Chase Home Finance: 1112 Ednor Rd., Cliftonbrook, Silver Spring 20905 3 BR/2 BA $339,900 SF REDUCED FROM $469,900

REO: 1214 Ednor Rd., Ednor Acres, Silver Spring 20905 3 BR/1.5 BA $400,000 SF

Novastar Mortgage: 1203 Elm Grove Cir., Oak Spring, Silver Spring 20905 3 BR/1.5 BA $238,900 TH REDUCED FROM $299,900

REO: 1307 Elson Ct., Takoma Park 20912 3 BR/1.5 BA $330,000 SF

Countrywide: 3412 Embry St., Conn. Ave. Estates, Silver Spring 20902 3 BR/1 BA $176,900 REDUCED FROM $182,900

REO: 24531 Etchinson Dr., Seneca Overlook, Gaithersburg 20882 3 BR/1.5 BA $349,900 SF

Countrywide: 12819 Ethel Rose Way, Summerfield Crossing, Boyds 20841 3 BR/2 FB/2 HB $342,900 Gar TH

Freddie Mac: 11804 Eton Manor Dr. #102, Eton Place, Germantown 20876 2 BR/2 BA $221,695 Condo

REO: 11828 Eton Manor Dr. #202, Eton Place, Germantown 20874 2 BR/2 BA $209,900 Condo

REO: 13010 Evanston St., Wheaton Woods, Rockville 20853 3 BR/1 BA $274,000 SF

Countrywide: 3702 Everton St., Conn. Ave. Estates, Silver Spring 20906 3 BR/2 BA $279,900 SF REDUCED
FROM $297,900

Countrywide: 18402 Fable Dr., Hoyles Mill Village, Boyds 20841 4 BR/3 FB/2 HB $615,900 SF

Countrywide: 22201 Fair Garden Lane, Clarksburg Heights, Clarksburg 20871 4 BR/2.5 BA $586,900 SF

REO: 14506 Fairacres Rd., Fairland Acres, Silver Spring 20905 4 BR/2.5 BA $500,000 SF

Avelo Mortgage: 307 Fairgrove Ter., Saybrooke, Gaithersburg 20877 4 BR/2.5 BA $362,000 SF REDUCED FROM $424,900

Countrywide: 8110 Fallow Dr. #18-A, Hamlet North, Gaithersburg 20877 3 BR/2.5 BA $193,900 TH Condo REDUCED FROM $234,900

REO: 8115 Fallow Dr. #19-A, Hamlet North, Gaithersburg 20877 3 BR/2 FB/2 HB $205,000 TH Condo REDUCED FROM $234,900

Deutsche Bank: 3416 Farthing Dr., Conn. Ave. Estates, Silver Spring 20906 3 BR/2 BA $284,900 SF REDUCED FROM $354,900

REO: 4503 Faroe Pl., Wheaton Woods, Rockville 20853 4 BR/2 BA $310,000 SF

REO: 1701 Featherwood St., Rolling Acres, Silver Spring 20904 3 BR/2 FB/2 HB $289,900 TH

Wells Fargo Bank: 2041 Featherwood St., Rolling Acres, Silver Spring 20904 4 BR/3.5 BA $275,000 TH REDUCED FROM $336,000

Countrywide: 7911 Fenton St., Blair, Silver Spring 20910 3 BR/1 BA $331,900 SF REDUCED FROM $405,000

Countrywide: 12812 Flack St., Glenmont Hills & Heights, Silver Spring 20906 4 BR/2 BA $232,900 SF REDUCED FROM $249,000

REO: 9412 Flower Ave., Highland View, Silver Spring 20901 3 BR/2.5 BA $279,900 SF

Homeq Servicing: 9990 Forest View Pl., McKendrie, Montgomery Village 20886 3 BR/2 BA $180,000 TH

REO: 703 Forston St., Rolling Terrace, Takoma Park, 20912 3 BR/2.5 BA $309,900 SF REDUCED FROM $384,900

Ellington Loan Acquisition: 23203 Frederick Rd., Highlands at Clarksburg, Clarksburg 20871 4 BR/2.5 BA $509,900 SF REDUCED FROM $589,900

U.S. Bank: 23211 Frederick Rd., Highlands at Clarksburg, Clarksburg 20871 4 BR/2.5 BA $413,900 SF

Bank of America: 12206 Fuller St., Conn. Ave. Estates, Silver Spring 20902 2 BR/2 BA $236,900 SF REDUCED FROM $375,000

IndyMac Bank: 10813 Game Preserve Rd., Seneca Whetstone, Gaithersburg 20879 4 BR/3.5 BA $459,000 SF

Deutsche Bank: 18460 Gardenia Way, Flower Hill, Gaithersburg 20879 4 BR/2.5 BA $335,000 SF REDUCED FROM $390,900

Wells Fargo Bank: 3800 Gateway Ter. #41, Greencastle Manor, Burtonsville 20866 3 BR/1 BA $184,500 Condo REDUCED FROM $259,000

REO: 13021 Gershwin Way, Tanglewood, Silver Spring 20904 5 BR/3.5 BA $410,000 SF

REO: 13218 Georgia Ave., Greenwood Knolls, Silver Spring 20906 4 BR/2 BA $299,900 SF

Avelo Mortgage: 303 Gilsan Ct., Kemp Mill Estates, Silver Spring 20902 4 BR/2.5 BA $325,000 SF

IndyMac Bank: 434 Girard St. #101, Villa Ridge, Gaithersburg 20877 2 BR/1 BA $99,000 Condo

Bank of NY: 442 Girard St. #104, Villa Ridge, Gaithersburg 20877 3 BR/2 BA $142,900 Condo REDUCED FROM $175,900

Countrywide: 442 Girard St. #288, Villa Ridge, Gaithersburg 20877 2 BR/2 BA $145,900 Condo REDUCED FROM $164,900

Freddie Mac: 1208 Gladstone Dr., St. Marys Park, Rockville 20851 3 BR/2 FB/2 HB $374,900 SF

Residential Funding Corp.: 12711 Gould Rd., Glenmont Hills & Heights, Silver Spring 20906 3 BR/1 BA
$234,900 SF REDUCED FROM $259,900

REO: 12836 Grand Elm St., Clarksburg Village, Clarksburg 20871 4 BR/2.5 BA $509,250 SF REDUCED FROM $535,000

REO: 5 Grazing Ct., Overlea, Montgomery Village 20886 2 BR/3 BA $215,900 TH REDUCED FROM $244,900

REO: 9326 Grazing Ter., Overlea, Montgomery Village 20886 2 BR/2 BA $229,900 TH REDUCED FROM $269,900

Wells Fargo Bank: 3332 Greencastle Rd., Burtonsville 20866 4 BR/2 BA $375,000 SF REDUCED FROM $474,900

Chase Home Financial: 2206 Greenery Lane #202-20, Glenways Gardens, Silver Spring 20906 2 BR/1 BA $152,900 Condo REDUCED FROM $180,900

Wells Fargo Bank: 2208 Greenery Lane #302-19, Glenways Gardens, Silver Spring 20906 2 BR/1.5 BA $160,000 Condo

IndyMac Bank: 2310 Greenery Lane #102-12, Glenways Gardens, Silver Spring 20906 2 BR/1 BA $158,900 Condo

Citibank: 5712 Greenlawn Dr., North Bethesda 20814 5 BR/3.5 BA $1,160,000 SF REDUCED FROM $1,260,000

Countrywide: 4507 Gridley Rd. Veirs Mill Village, Silver Spring 20906 2 BR/1 BA $147,900 SF REDUCED FROM $209,900

REO: 19613 Gunners Branch Rd. #623, Greenfield Commons, Germantown 20876 2 BR/2 BA $169,000 Condo
Countrywide: 19633 C Gunners Branch Rd., Greenfield Commons, Germantown 20876 2 BR/2 BA $142,900 Condo REDUCED FROM $167,900

REO: 18411 Hallmark Ct., Flower Hill, Gaithersburg 20879 3 BR/3.5 BA $239,900 TH

Countrywide: 18419 Hallmark Ct., Flower Hill, Gaithersburg 20879 3 BR/2 BA $275,900 TH

REO: 8101 Hammond Ave., Takoma Park 20912 3 BR/2 BA $310,000 SF

Fannie Mae: 3906 Hampden St., Ken Gar, Kensington 3 BR/1 BA $289,900 SF REDUCED FROM $305,900

Old Republic: 4302 Havard St., Stoneybrook Estates, Silver Spring 20906 5 BR/2 BA $324,900 SF REDUCED FROM $340,000

U.S. Bank: 8508 Hawk Run Ter., Suffolk Place, Montgomery Village 20886 3 BR/3.5 BA $279,900 TH REDUCED FROM $324,900

Lasalle Bank: 8553 Hawk Run Ter., Suffolk Place, Montgomery Village 20886 4 BR/4.5 BA $284,900 TH

REO: 11313 Hawks Ridge Ter. #89, Brandermill, Germantown 20876 3 BR/2 BA $209,900 TH REDUCED FROM $219,900

IndyMac Bank: 903 Helena Dr., Ballantrae, Silver Spring 20901 4 BR/2 BA $289,900 SF REDUCED FROM $364,900

REO: 9704 Hellingly Pl. #212, Christopher Court, Montgomery Village 20886 2 BR/2 BA $185,012 Condo REDUCED FROM $205,000

REO: 12355 Herrington Manor Dr., Calverton, Silver Spring 20904 3 BR/3.5 BA $299,900 TH

Citibank: 12401 Hickory Tree Way #724, Gunners View, Germantown 20874 2 BR/2 BA $155,900 Condo

REO: 13920 Highstream Pl., Woodfield, Germantown 20874 3 BR/2.5 BA $235,000 TH REDUCED FROM $299,900

REO: 19148 Highstream Dr. #676, Woodfield, Germantown 20874 3 BR/2.5 BA $244,634 TH REDUCED FROM $260,000

Fannie Mae: 413 Hillsboro Dr., Kemp Mill Estates, Silver Spring 20902 3 BR/2.5 BA $319,900 SF REDUCED FROM $372,900

Countrywide: 116 Hutton St., Deer Park, Gaithersburg 20877 2 BR/1 BA $279,900 SF

Washington Mutual Bank: 12114 Island View Cir., Gunners Lake Village, Germantown 20874 3 BR/2.5 BA $204,900 TH

Countrywide: 4320 Ivy Glen Rd., Veirs Mill Village, Silver Spring 20906 4 BR/2 BA $284,900 SF

Countrywide: 25004 Johnson Farm Rd., Gaithersburg 20882 5 BR/5.5 BA $921,900 SF REDUCED FROM $1,114,900

U.S. Bank: 15216 Jones Lane, Quail Run, Gaithersburg 20878 6 BR/3.5 BA $529,900 SF REDUCED FROM $665,000

REO: 13413 Keating St., Wheaton Woods, Rockville 20853 3 BR/1 BA $264,900 SF

Countrywide: 12208 Kendall Ct., Kingswell, Silver Spring 20902 3 BR/1 BA $269,900 SF REDUCED FROM $305,900

U.S. Bank: 904 Kerwin Rd., Ballantrae, Silver Spring 20901 2 BR/1 BA $227,500 SF REDUCED FROM $299,900

Bay Rock Mortgage Corp.: 19705 Kildonan Dr., Edinburgh, Gaithersburg 20879 3 BR/2.5 BA $299,000 TH REDUCED FROM $319,900

Chase Home Finance: 201 Kimblewick Dr., Kimblewick, Silver Spring 20904 4 BR/3.5 BA $502,455 SF REDUCED FROM $565,000

Fannie Mae: 10110 Kindly Ct., Stedwick Townhouses, Montgomery Village 20886 4 BR/3.5 BA $269,900 TH REDUCED FROM $279,900

U.S. Marshall Service: 11103 Knights Ct., Kings Square, Germantown 20876 4 BR/2.5 BA $484,900 SF REDUCED FROM $484,900

REO: 19601 Labelle Ct., Goshen Village, Gaithersburg 20879 3 BR/2.5 BA $209,500 TH REDUCED FROM $219,555

REO: 304 Ladson Rd., Northwood Village, Silver Spring 20901 4 BR/3 BA $345,900 SF REDUCED FROM $364,900

South Point: 13223 Lake Geneva Way, Fountain Hills, Germantown 20874 3 BR/3.5 BA $302,900 TH

REO: 9811 Lake Shore Dr., Dockside, Montgomery Village 20886 2 BR/1.5 BA $204,900 Gar TH

Deutsche Bank: 109 Lamont Lane, Warther, Gaithersburg 20878 3 BR/1 FB/2 HB $249,900 TH

Credit Based Asset Servicing: 14913 Lear Lane, Peachwood, Silver Spring 20905 4 BR/3.5 BA $464,900 SF REDUCED FROM $489,900

REO: 11235 Legato Way, Dumont Oaks, Silver Spring 20901 4 BR/2.5 BA $284,900 TH

REO: 11717 Leona St., Wheaton Hills, Silver Spring 20902 3 BR/2 BA $249,999 SF REDUCED FROM $324,900

Bank of America: 19322 Liberty Heights Lane, Liberty Heights, Germantown 20874 3 BR.3.5 BA $224,000 TH
REO: 915 Lincoln St., Burgandy Knolls, Rockville 20850 5 BR/3 BA $324,900 SF REDUCED FROM $399,900

REO: 12700 Littleton St., Stoneybrook Estates, Silver Spring 20906 3 BR/2 BA $315,900 SF

Trade Bank: 1809 Locust Grove Rd., Woodside Hills, Silver Spring 20910 3 BR/3.5 BA $419,900 Gar TH REDUCED FROM $439,900

REO: 14613 Locustwood Lane, Fairland Acres, Silver Spring 20905 3 BR/3.5 BA $419,900 SF

Citimortgage: 13603 Loyola St., Harmony Hills, Silver Spring 20906 3 BR/2 BA $336,900 SF REDUCED FROM $346,750

Citi Residential Lending: 13201 Magellan Ave., Aspen Hill Park, Rockville 20853 5 BR/2.5 BA $284,900 SF REDUCED FROM $349,900

Fannie Mae: 4302 Mahan Rd., Veirs Mill Village, Silver Spring 20906 3 BR/2 BA $244,900 SF REDUCED FROM $269,900

REO: 912 Malcolm Dr., Montgomery Knolls, Silver Spring 20901 3 BR/2 BA $296,761,380 SF REDUCED FROM $312,380

REO: 18615 Mallory Pl., Flower Hill, Gaithersburg 20879 3 BR/3 BA $279,900 SF

Fannie Mae: 8704 Manchester Rd. #7, London Terrace, Silver Spring 20901 3 BR/1.5 BA $232,900 Condo

Astoria Federal Savings & Loan: 7611 Maple Ave. #507, Takoma Park 20912 3 BR/2 BA $265,900 Condo

REO: 9908 Maple Leaf Dr., Shadow Oak, Montgomery Village 20886 3 BR/2.5 BA $209,900 TH REDUCED FROM $269,900

Fannie Mae: 10003 Maple Leaf Dr., Shadow Oak, Montgomery Village 20886 3 BR/3.5 BA $219,900 TH REDUCED FROM $242,900

South Point: 3115 Medway St., Conn. Ave. Estates, Silver Spring 20902 3 BR/2 BA $199,900 TH REDUCED FROM $275,405

REO: 98 Meem Ave., Meems, Gaithersburg 20877 2 BR/1 BA $184,900 SF

Countrywide: 4606 Mercury Dr., Aspen Hill Park, Rockville 20853 4 BR/2.5 BA $370,900 SF REDUCED FROM $382,900

REO: 128 Middle Point Ct., Foxwood, Gaithersburg 20877 3 BR/2.5 BA $234,900 TH

Bank of New York: 1306 Milestone Dr., Springbrook Village, Silver Spring 20904 4 BR/3.5 BA $397,900 SF REDUCED FROM $409,900

REO: 20408 Mill Pond Ter., Neelsville Estates, Germantown 20876 5 BR/3.5 BA $499,900 SF

REO: 7153 Mill Run Dr. #15-3, Mill Creek, Derwood 20855 3 BR/2.5 BA $255,000 TH

REO: 19016 Mills Choice Rd. #4, Mills Choice, Montgomery Village 20886 2 BR/2 BA $139,900 Condo REDUCED FROM $144,900

REO: 19120 Mills Choice Rd. #2, Mills Choice, Montgomery Village 20886 2 BR/2 BA $129,900 Condo REDUCED FROM $179,900

REO: 7717 Mineral Springs Dr., Emory Grove Park, Gaithersburg 20877 3 BR/1.5 BA $229,900 SF

REO: 8242 Mountain Ash Way, Flower Hill, Gaithersburg 20879 3 BR/2.5 BA $244,000 TH REDUCED FROM $259,900

Fannie Mae: 7829 Muncaster Mill Rd., Gaithersburg 20877 3 BR/2 BA $269,900 SF REDUCED FROM $286,900

Deutsche Bank: 13148 Musicmaster Dr. #139, Stockbridge/Tanglewood, Silver Spring 20904 3 BR/2 BA $224,900 TH REDUCED FROM $269,900

Wells Fargo Bank: 18631 Nathans Pl., Nathans Hill, Montgomery Village 20886 2 BR/1 BA $164,400 TH

REO: 8030 Needwood Rd.#201, Park Overlook, Derwood 20855 3 BR/2 BA $269,500 Condo

Chase: 2305 Nees Lane, Countryside, Silver Spring 20905 4 BR/3 BA $440,950 SF REDUCED FROM $470,000

REO: 5800 Nicholson Lane #1-T05, The Fallswood, Rockville 20852 1 BR/1 BA $231,500 Condo REDUCED FROM $255,900

REO: 22 Nickelby Ct., Green Hills, Damascus 20872 5 BR/3.5 BA $379,900 SF

U.S. Bank: 421 Northwest Dr., Burnt Mills, Silver Spring 20901 5 BR/1.5 BA $371,400 SF REDUCED FROM $414,900

REO: 403 Oak Knoll Dr., Fallsgrove, Rockville 20850 4 BR/3.5 BA $534,900 Gar TH

Countrywide: 14130 Old Columbia Pike, Burtonsville 20866 2 BR/2 BA $381,900 SF REDUCED FROM $393,900

REO: 15005 Old Columbia Pike, Oakhurst, Burtonsville 20866 3 BR/2 BA $352,000 SF REDUCED FROM $392,000

Countrywide: 11710 Old Georgetown Rd. #509, The Gallery, Rockville 20852 1 BR/1 BA $284,900 Condo

Fannie Mae: 13019 Open Hearth Way, Pleasant Fields, Germantown 20874 3 BR/1.5 BA TH $229,900 REDUCED FROM $305,900

REO: 13044 Open Hearth Way, Pleasant Fields, Germantown 20874 3 BR/2.5 BA $204,900 TH

IndyMac Bank: 14505 Orangewood St., Oak Springs, Silver Spring 20905 4 BR/2.5 BA $432,000 SF

Fannie Mae: 948 Orchard Ridge Dr., Quince Orchard Park, Gaithersburg 20878 3 BR/2.5 BA $349,900 TH Condo REDUCED FROM $365,900

REO: 13308 Oriental St., Aspen Hill Park, Rockville 20853 4 BR/2 BA $329,900 SF REDUCED FROM $369,900
REO: 5 Orion Club Dr., Ashton Village, Ashton 20861 4 BR/2.5 BA $419,900 SF

HOC Mortgage Co: 716 Oxford Square Dr.,Stonegate, Silver Spring 20905 3 BR/1.5 BA $265,000 TH REDUCED FROM $289,900

Deutsche Bank: 6 Palmetto Ct., Kingsview Ridge, Germantown 20874 3 BR/2 FB/2 HB $329,900 Gar TH REDUCED FROM $345,000

REO: 301 Palmspring Dr. #10, Park Summit, Gaithersburg 20878 2 BR/1 BA $219,900 Condo

REO: 3101 Parker Ave., Wheaton Hills, Silver Spring 20902 5 BR/3.5 BA $309,900 SF REDUCED FROM $329,900

IndyMac Bank: 12810 Parkland Dr., Wheaton Woods, Rockville 20853 4 BR/2 BA $247,900 SF REDUCED FROM $349,900

REO: 11907 Parklawn Dr. #301, Walnut Grove, Rockville 20852 3 BR/1 BA $219,900 Condo

Fannie Mae: 3 Parson Grove Ct., Hallowell, Olney 20832 3 BR/3.5 BA $405,900 SF REDUCED FROM $479,900

REO: 11502 Patapsco Dr., Randolph Hills, Rockville 20852 5 BR/2 BA $299,900 SF REDUCED FROM $336,900

Bank of America: 1013 Paul Dr., Rockcrest, Rockville 20851 4 BR/2 BA $310,000 SF

U.S. Bank: 10916 Pebble Run Dr., Glen Haven, Silver Spring 20902 2 BR/2.5 BA $299,900 Gar TH REDUCED FROM $339,800

U.S. Bank: 100 Pembrooke View Lane, Saybrooke, Gaithersburg 20877 4 BR/2.5 BA $365,700 SF REDUCED FROM $384,900

REO: 4139 Peppertree Lane #4135, Rolling Spring, Silver Spring 20906 3 BR/2 BA $209,900 TH Condo REDUCED FROM $221,900

REO: 8130 Pepperwood Lane, Hamlet North, Gaithersburg 20877 3 BR/2.5 BA $220,000 TH REDUCED FROM $279,900

REO: 2003 Petersfield Pl, Hallowell, Olney 20832 4 BR/3.5 BA $529,000 SF REDUCED FROM $540,000

Fannie Mae: 3005 Piano Lane #38, Stockbridge/Tanglewood, Silver Spring 20904 3 BR/2 BA $241,900 TH REDUCED FROM $254,900

Countrywide: 14204 Piccadilly Rd., Layhill Village East, Silver Spring 20906 4 BR/3 BA $399,900 SF

American Home Mortgage: 5 Pickering Ct., #02, Esprit, Germantown 20874 2 BR/2 BA $229,900 Condo

REO: 15 Pickering Ct. #1, Esprit, Germantown 20874 2 BR/2 BA $184,900 Condo REDUCED FROM $193,900

First Horizon Home Loans: 19 Pickering Ct. #202, Esprit, Germantown 20874 2 BR/2 BA $199,900 Condo REDUCED FROM $253,900

REO: 10605 Pinedale Dr., Northwest Branch Estates, Silver Spring 20901 5 BR/4 BA $409,900 SF

IndyMac Bank: 7217 Pompano Ter., Brookefield, Gaithersburg 20879 4 BR/2.5 BA $539,900 SF REDUCED FROM $694,900

Citigroup: 6622 Poplar Ave., Takoma Park 20912 3 BR/2.5 BA $384,900 SF REDUCED FROM $489,900

REO: 12916 Poppy Seed Ct., Germantown Park, Germantown 20874 3 BR/1.5 BA $159,900 TH

Countrywide: 7717 Prince Hall Ct., Emory Grove Park, Gaithersburg 20877 4 BR/2 BA $289,900 SF

REO: 23622 Public House Rd., Clarksburg Town Center, Clarksburg 20871 4 BR/4.5 BA $399,900 Gar TH

REO: 12737 Pumpkin Seed Ct., Germantown Park, Germantown 20874 3 BR/1.5 BA $164,500 TH REDUCED FROM $180,000

Fannie Mae: 774 Quince Orchard Blvd. #102, Diamond Farm, Gaithersburg 20878 2 BR/2 BA $152,900 Condo REDUCED FROM $185,900

Aurora Loan Services: 3312 Randolph Rd., Conn Ave. Estates, Silver Spring 20902 3 BR/1 BA $279,900 SF REDUCED FROM $329,900

REO: 3205 Red Orchid Way, Kensington Orchids, Kensington 20895 5 BR/4.5 BA $699,900 SF REDUCED FROM $835,000

REO: 19029 Red Robin Ter., Germantown View, Germantown 20874 3 BR/2 FB/2 HB $239,900 TH

Countrywide: 4422 Renn St., Aspen Knolls, Rockville 20853 4 BR/2 BA $309,900 SF REDUCED FROM $379,900

Countrywide: 17509 Ridge Rd., Olney Acres, Rockville 20853 3 BR/2.5 BA $336,900 SF REDUCED FROM $346,900

Countrywide: 26727 Ridge Rd., Damascus 20872 6 BR/3 BA $344,900 SF REDUCED FROM $381,900

Chevy Chase Bank: 9943 Ridgeline Dr., Clubside, Montgomery Village 20886 3 BR/1.5 BA $219,900 TH

REO: 10187 Ridgeline Dr., Clubside, Montgomery Village 20886 2 BR/1.5 BA $144,900 TH REDUCED FROM $197,450

Deutsche Bank: 10227 Ridgeline Dr., Clubside, Montgomery Village 20886 3 BR/2.5 BA $194,900 TH REDUCED FROM $239,900

Deutsche Bank: 10318 Ridgeline Dr., Clubside, Montgomery Village 20886 3 BR/2.5 BA $184,400 TH REDUCED FROM $214,900

Accredited Home Lenders: 1804 Republic Rd., Northbrook Estates, Silver Spring 20902 3 BR/2 BA $362,500 SF

National City Bank: 7302 Rocky Rd., Gaithersburg 20882 2 BR/2 BA $274,900 SF REDUCED FROM $289,900

U.S. Bank: 1015 Rosemere Ave., Hollywood Park, Silver Spring 20904 3 BR/3 BA $285,000 SF REDUCED FROM $409,900

Deutsche Bank: 18138 Royal Bonnet Cir, Odend Hal, Montgomery Village 20886 3 BR/2.5 BA $232,900 TH REDUCED FROM $239,900

REO: 13333 Rushing Water Way, Clopper Hills, Germantown 20874 4 BR/3.5 BA $319,900 TH

REO: 8 Russell Ave. #203, Gaithersburg 20877 2 BR/1 BA $145,000 Condo

REO: 17518 Sabrina Ter., Cashell Estates, Derwood 20855 3 BR/2.5 BA $269,900 TH REDUCED FROM $329,900

REO: 12821 Sage Ter., Germantown Park, Germantown 20874 3 BR/1.5 BA $159,900 TH REDUCED FROM $169,900

Fannie Mae: 19208 Saint Johnsbury Lane, Fox Chapel, Germantown 20876 3 BR/1.5 BA $309,900 SF REDUCED FROM $429,900

REO: 19228 Saint Johnsbury Lane, Fox Chapel, Germantown 20876 4 BR/2 FB/2 HB $325,000 SF

HSBC Bank: 425 Sanders Lane, Whetstone Run, Gaithersburg 20877 4 BR/3.5 BA $431,999 SF REDUCED FROM $480,000

REO: 19366 Sandy Lake Dr., Goshen Village, Gaithersburg 20879 3 BR/2.5 BA $199,900 TH

Countrywide: 13104 Scarlet Oak Dr., Quail Run, Gaithersburg 20878 3 BR/2.5 BA $530,900 SF REDUCED FROM $563,900

REO: 21709 Seneca Ayr Dr., Summerfield Crossing, Boyds 20841 5 BR/4.5 BA $665,000 SF REDUCED FROM $730,000

Fannie Mae: 5005 Sentinel Dr. #33, Sumner Court, Bethesda 20816 2 BR/1 BA $249,900 Condo REDUCED FROM $310,000

REO: 13015 Shadyside Lane #12-195, Waters House, Germantown 20874 2 BR/2 BA $189,000 Condo REDUCED FROM $227,900

REO: 17652 Shady Spring Ter., Mineral Springs Village, Gaithersburg 20877 3 BR/1.5 BA $189,900 TH

Freddie Mac: 24712 Showbarn Cir., Damascus Hill, Damascus 20872 3 BR/2 BA $342,895 SF

Bank of New York: 14828 Silver Ash Ct., Valley Stream Estates, Burtonsville 20866 4 BR/2.5 BA $310,900 SF REDUCED FROM $344,900

Fremont Investment: 21108 Silver Birch Lane, Seneca Crossing, Germantown 20876 3 BR/3 BA $549,900 SF REDUCED FROM $649,900

Countrywide: 21109 Silver Birch Lane, Seneca Crossing, Germantown 20876 5 BR/3.5 BA $531,900 SF REDUCED FROM $555,900

REO: 18222 Smoke House Ct., Pleasant Fields, Germantown 20874 3 BR/1.5 BA $210,000 TH

IndyMac Bank: 1811 Snowdrop Lane, Layhill Gardens, Silver Spring 20906 4 BR/5.5 BA $395,900 SF REDUCED FROM $409,900

REO: 500 Southwest Dr., Burnt Mills, Silver Spring 20901 5 BR/2.5 BA $344,900 SF REDUCED FROM $369,900

REO: 100 Spring St., Browns, Gaithersburg 20877 3 BR/2.5 BA $278,900 SF REDUCED FROM $359,900

Fannie Mae: 20538 Staffordshire Dr., Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $310,000 TH

REO: 2 Standard Ct. #1, Newport Estates, Gaithersburg 20877 2 BR/1 BA $137,500 TH Condo REDUCED FROM $159,900

Countrywide: 19229 Staleybridge Rd., Fox Chapel, Germantown 20876 3 BR/2 BA $324,900 SF

Deutsche Bank: 5 Stanley Ct., Rockland, Rockville 20851 6 BR/2 BA $335,000 SF REDUCED FROM $379,900

HomeEq Servicing: 68 State Ct. #113, Newport Estates, Gaithersburg 20877 3 BR/2.5 BA $185,000 TH

REO: 14417 Stepping Stone Way, Castlegate, Burtonsville 20866 3 BR/1 BA $234,900 TH REDUCED FROM $259,900

U.S. Bank: 18418 Stone Hollow Dr., Stoneridge, Germantown 20874 2 BR/2.5 BA $199,500 TH REDUCED FROM $257,900

Bank of New York: 18451 Stone Hollow Dr., Stoneridge, Germantown 20874 3 BR/3.5 BA $199,750 TH REDUCED FROM $259,900

Deutsche Bank: 18484 Stone Hollow Dr., Stoneridge, Germantown 20874 3 BR/2.5 BA $205,900 TH REDUCED FROM $254,900

Citi: 23 Stoney Point Ct., Brandermill, Germantown 20876 3 BR/2 BA $214,900 TH

GRP Loan: 11463 Stoney Point Pl., Brandermill, Germantown 20876 3 BR/2 BA $209,900 TH

Fannie Mae: 19956 Stoney Point Way, Brandermill, Germantown 20876 3 BR/2 BA $239,900 TH REDUCED FROM $252,900

Citimortgage: 20550 Strath Haven Dr., Essex Place, Montgomery Village 20886 2 BR/1.5 BA $184,900 TH REDUCED FROM $244,900

REO: 18336 Streamside Dr. #302, Rosewood, Gaithersburg 20879 3 BR/2 BA $169,900 Condo REDUCED FROM $197,900

REO: 10516 Sunny Brooke Lane, Piney Glen Village, Potomac 20854 3 BR/2.5 BA $479,900 Gar TH REDUCED FROM $510,000

REO: 2408 Sun Valley Cir. #6-D, Kimberly Place, Silver Spring 20906 3 BR/1 BA $207,900 TH REDUCED FROM $249,900

Countrywide: 18302 Swan Stream Dr., Emory Grove Park, Gaithersburg 20877 3 BR/2.5 BA $278,900 SF

HomeEq Servicing: 2721 Sweet Clover Ct., Calverton, Silver Spring 20904 3 BR/3.5 BA $307,500 TH

Wells Fargo Bank: 4246 Tazewell Ter., Valley Stream Estates, Burtonsville 20866 3 BR/1 FB/2 HB $250,000 TH

REO: 8308 Tea Rose Dr., Flower Hill, Gaithersburg 20879 3 BR/2 BA $338,900 SF REDUCED FROM $382,900

Wells Fargo Bank: 9 Templar Ct., Burgandy Estates, Rockville 20851 3 BR/2 BA $308,900 SF REDUCED FROM $360,000

Countrywide: 10020 Tenbrook Dr., Argyle Club Estates, Silver Spring 20901 5 BR/2 BA $287,900 SF REDUCED FROM $384,900

Countrywide: 3801 Terrawood Ct., Brooke Manor, Rockville 20853 5 BR/3.5 BA $669,900 SF REDUCED FROM $759,900

Fannie Mae: 17733 Topfield Dr. #5-G, Hamlet North, Gaithersburg 20877 3 BR/3.5 BA $251,900 TH

REO: 7313 Torran Rocks Way, Edinburgh, Gaithersburg 20879 3 BR/1.5 BA $234,900 SF REDUCED FROM $319,900

REO: 20107 Torrey Pond Pl., Shadow Oak, Gaithersburg 20886 3 BR/2.5 BA $194,900 TH

REO: 19421 Transhire Rd., Maryland Place, Montgomery Village 20886 3 BR/2.5 BA $205,000 TH

Freddie Mac: 19453 Transhire Rd., Maryland Place, Montgomery Village 20886 3 BR/1.5 BA $165,900 TH REDUCED FROM $185,400

SunTrust Bank: 6 Travilah Ter., Potomac 20854 6 BR/5 FB/2 HB $1,119,900 SF REDUCED FROM $1,275,000

REO: 2 Trento Ct., Carolann Court, Gaithersburg 20877 3 BR/2.5 BA $169,900 TH REDUCED FROM $214,000
IndyMac Bank: 22246 Trentworth Way, Clarksburg Heights, Clarksburg 20871 3 BR/2.5 BA $393,800 Gar TH

Indymac Bank: 13232 Trimfield Lane, Churchill Town Sector, Germantown 20874 3 BR/1.5 BA $209,900 TH REDUCED FROM $224,900

Deutsche Bank: 13401 Turkey Branch Pkwy., Brookhaven, Rockville 20853 3 BR/1.5 BA $324,900 SF

REO: 1319 Twig Ter., Oak Springs, Silver Spring 20905 3 BR/2.5 BA $260,000 TH

REO: 326 University Blvd. E, Franklin Knolls, Silver Spring 20901 5 BR/3 BA $349,900 SF

REO: 14101 Valleyfield Dr. #10, Wintergate/Longmead, Silver Spring 20906 2 BR/2 BA $179,900 Condo REDUCED FROM $214,900

REO: 9909 Valley Park Dr., Counrty Road Townhouses, Damascus 20872 3 BR/2.5 BA $154,900 TH REDUCED FROM $199,900

U.S. Bank : 12205 Valleywood Dr., Conn. Ave. Estates, Silver Spring 20902 3 BR/1 BA $242,400 SF REDUCED FROM $284,900

REO: 12304 Valleywood Dr., Conn. Ave. Estates, Silver Spring 20902 3 BR/1 BA $225,900 SF REDUCED FROM $285,900

REO: 13110 Valleywood Dr., Greenwood Knolls, Silver Sprng 20906 5 BR/2 BA $299,900 SF REDUCED FROM $324,900

REO: 13120 Vandalia Dr., Brookhaven, Rockville 20853 3 BR/1 BA $248,500 SF REDUCED FROM $299,900

REO: 3610 Van Horn Way, Silver Spring Country Club, Burtonsville 20866 3 BR/1.5 BA $234,000 TH REDUCED FROM $264,900

REO: 928 Venice Dr., Springbrook Terrace, Silver Spring 20904 4 BR/4 BA $354,900 SF REDUCED FROM
$399,900

Fremont Investment: 9416 Vineyard Haven Dr., Salems Grant, Montgomery Village 20886 3 BR/3.5 BA $399,900 SF

REO: 18707 Walkers Choice Rd. #4, Normandie on the Lake I, Montgomery Village 20886 3 BR/2 BA $149,900 Condo REDUCED FROM $165,000

Resource Bank: 18715 Walkers Choice Rd. #3, Normandie on the Lake I, Montgomery Village 20886 1 BR/1 BA $144,900 Condo REDUCED FROM $154,900

Banco Popular: 18726 Walkers Choice Rd. #4, Normandie on the Lake II, Montgomery Village 20886 3 BR/2 BA $142,900 Condo REDUCED FROM $179,000

Fannie Mae: 18802 Walkers Choice Rd. #4, Normandie on the Lake II, Montgomery Village 20886 2 BR/2 BA $139,900 Condo REDUCED FROM $194,900

REO: 19101 Warrior Brook Dr., Germantown Estates, Germantown 20874 3 BR/2 BA $304,900 SF

Countrywide: 17630 Washington Grove Lane, Gaithersburg 20877 4 BR/2 BA $312,900 SF REDUCED FROM $317,900

REO: 20123 Waterside Dr. #98, Villas Willow Cove, Germantown 20874 2 BR/2 BA $189,100 Condo REDUCED FROM $225,000

Chase Home Finance: 17 Water St. #26, Lilac Gardens, Gaithersburg 20877 2 BR/1 BA $104,500 Condo REDUCED FROM $119,900

Accredited Home Lenders: 10010 Wedge Way, Club Hill, Gaithersburg 20886 3 BR/1 FB/2 HB $194,900 TH REDUCED FROM $214,875

REO: 10050 Wedge Way, Club Hill, Montgomery Village 20886 3 BR/2.5 BA $199,000 TH

REO: 8608 Welbeck Way, McConkey, Montgomery Village 20886 4 BR/2.5 BA $194,900 TH REDUCED FROM $159,000

Countrywide: 8625 Welbeck Way, McConkey, Montgomery Village 20886 3 BR/2.5 BA $154,900 TH

REO: 8815 Welbeck Way, McConkey, Montgomery Village 20886 3 BR/2.5 BA $157,900 TH REDUCED FROM $174,900

Fannie Mae: 8828 Welbeck Way, McConkey, Montgomery Village 20886 4 BR/2.5 BA $165,900 TH REDUCED FROM $179,900

REO: 20125 Welbeck Ter., McConkey, Montgomery Village 20886 3 BR/2.5 BA $160,000 TH

Deutsche Bank: 8909 Westland Dr., Walnut Hill, Gaithersburg 20877 4 BR/2.5 BA $359,900 SF Needs Renovation

Citimortgage: 824 West Side Dr. #12-D, Brighton West, Gaithersburg 20878 3 BR/2.5 BA $200,000 TH Condo REDUCED FROM $219,900

Chase Home Finance: 666 West Side Dr., Brighton West, Gaithersburg 20878 5 BR/3.5 BA $199,900 TH

Countrywide: 14702 Wexhall Ter. #17, Towns of Gloucester, Burtonsville 20866 3 BR/2.5 BA $215,900 TH Condo REDUCED FROM $222,900

IndyMac Bank: 19203 Wheatfield Ter., Seneca Park, Gaithersburg 20879 3 BR/2 FB/2 HB $287,000 TH

REO: 19278 Wheatfield Ter., Seneca Park, Gaithersburg 20879 3 BR/3.5 BA $275,000 TH REDUCED FROM $320,000

Countrywide: 3638 Wheat Miller Dr., Falling Green, Mount Airy 21771 4 BR/3.5 BA $587,900 REDUCED
FROM $596,900

Wells Fargo Bank: 8205 Whispering Oaks Way #101, Rosewood, Gaithersburg 20879 2 BR/2 BA $141,669 Condo REDUCED FROM $187,900

Fremont Investment: 7 Whitechurch Ct., Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $219,900 TH REDUCED FROM $239,900

REO: 13233 Whitechurch Cir., Churchill Town Sector, Germantown 20874 3 BR/1.5 BA $200,000 TH REDUCED FROM $225,000

Chase Home Finance: 13116 Wilton Oaks Dr., Wilton Oaks, Silver Spring 20906 4 BR/2.5 BA $404,900 SF

REO: 13667 Winterspoon Lane #32, Willow Cove Manor, Germantown 20874 3 BR/2.5 BA $224,900 TH REDUCED FROM $264,900

Fremont Investment: 9926 Woodburn Rd., Indian Spring Village, Silver Spring 20901 2 BR/1.5 BA $389,900 SF REDUCED FROM $439,900

REO: 23312 Woodfield Rd., Gaithersburg 20882 5 BR/3 BA $289,900 SF WATER DAMAGE

REO: 25011 Woodfield Rd., Country View, Damascus 20872 3 BR/2 BA $349,900 SF

Aurora Loan Services: 25829 Woodfield Rd., Damascus 20872 8 BR/4 BA $473,438 SF REDUCED FROM $540,000

American Home Mortgage: 9902 Woodland Dr., Forest Glen Homes, Silver Spring 20902 4 BR/3 BA $399,900 SF REDUCED FROM $420,000

REO: 19926 Wyman Way, Churchill Town Sector, Germantown 20874 3 BR/2.5 BA $222,000 TH REDUCED FROM $244,900

REO: 12737 York Mill Lane, Clarksburg Heights, Clarksburg 20871 4 BR.3.5 BA $369,900 TH REDUCED FROM $379,900

Countrywide: 11705 Zebrawood Ct., Middlebrook Commons, Germantown 20876 2 BR/1.5 BA $164,900 TH REDUCED FROM $195,900

Please contact us if you have questions about the foreclosure process in Maryland. If you are searching for a property, please tell us about your specific needs. Please refer your friends that may wish to purchase a residence or investment property.
Your Real Estate Advisor,
Roy Kelley

Roy Kelley & Associates
Associate Broker, RE/MAX Realty Group
6 Montgomery Village Avenue, Suite 200
Gaithersburg, MD 20879

Direct: 301-921-4569 Client Assistance: 301-670-8996
Email: roykelley@mris.com Fax: 301-921-4586 Main Office: 301-258-7757 x 569
Home Search Website: http://www.roykelley.com/ (All available listings may by viewed on Homes Prospector)


Frederick County REO: We distribute a separate list of the lender owned foreclosures in Frederick County, MD. If you are not on that list and wish to receive the reports, please contact us at roykelley@mris.com

If you do not wish to receive future emails, please click the link to Unsubscribe: Unsubscribe.