The Path to Your Perfect Home
Presented by the Greatest Moves Team at Everything Real Estate — your dedicated roadmap from first consultation all the way to moving day.
Your Roadmap
What We'll Cover Today
This presentation is your complete guide to buying a home with the Greatest Moves Team. Here's everything we'll walk through together.
1
Who We Are
Our team, our track record, and why 900+ clients gave us 5 stars.
2
How We Work for You
Buyer representation, agency, compensation — all fully transparent.
3
Your Dream Home Profile
We listen first. Understanding your goals, timeline, and must-haves.
4
The Baltimore Market
Current conditions, neighborhood snapshots, and what it means for you.
5
The Buying Process
Step-by-step from pre-approval through closing — no surprises.
6
Offers & Negotiation
How we craft winning offers and protect your interests at every turn.
7
Under Contract to Close
Inspections, appraisal, title, underwriting — we manage it all.
8
Costs & Finances
Closing costs, seller contributions, and our transparent fee structure.
9
Life After Closing
Maintenance, equity building, and your long-term real estate partner.

Have questions at any point? Stop us anytime — this is your consultation, not a lecture.
Chapter 1
The Greatest Moves Advantage
What sets our team apart — and why it matters for your home search.
Our Story
A Legacy of Success
Since 2005, the Greatest Moves Team (formerly Ron Howard & Associates) has been one of the top teams in the Baltimore region with over a billion in sales. Led by Ron Howard, we are committed to transparent, data-driven, and high-touch advocacy — putting your goals at the center of every decision.
$1 Billion+
In career sales
900+
Five-star reviews on Zillow
20+
Years serving Baltimore
900+ Five-Star Reviews
What Our Clients Say
Don't take our word for it. Here's what Baltimore-area buyers say about working with the Greatest Moves Team.
"Ron and his team made what I thought would be a stressful process completely seamless. They found us our dream home in a competitive market and negotiated a price we couldn't believe. I can't recommend them enough." — Sarah M., Canton Homeowner ⭐⭐⭐⭐⭐
"As a first-time buyer, I was nervous about everything. The Greatest Moves Team walked me through every single step, answered every question (no matter how small), and never made me feel rushed. I felt like I had a true advocate in my corner." — Marcus T., Towson Homeowner ⭐⭐⭐⭐⭐
"We had a very tight timeline and a specific wish list. Ron's team found us exactly what we were looking for in under three weeks. Their knowledge of the Baltimore market is unmatched." — Jennifer & David K., Federal Hill Homeowners ⭐⭐⭐⭐⭐
"The negotiation skills alone are worth it. They got us $15,000 in closing cost credits and had the seller fix three major inspection items. We saved more than we ever expected." — Michael R., Ellicott City Homeowner ⭐⭐⭐⭐⭐
"I've bought two homes with the Greatest Moves Team and will never use anyone else. They treat you like family, not just a transaction." — Lisa W., Repeat Client ⭐⭐⭐⭐⭐
"Their off-market connections are real. We got into a home before it ever hit Zillow — and it was exactly what we wanted. That's the kind of access you just can't get anywhere else." — Chris & Amanda P., Catonsville Homeowners ⭐⭐⭐⭐⭐

⭐ Read all 900+ reviews on Zillow and Google. We're proud to be the most favorably reviewed team in the Baltimore region.
Your Advocate
How Buyer Representation Works
We work for you — not the seller. Our job is to protect your interests, negotiate for you, and guide you through every step.
🤝 We Work for YOU
We owe you loyalty, confidentiality, and full accountability — always acting in your best interest.
💬 Full Transparency on Compensation
99.5% of sellers offer buyer agent compensation. Before we make an offer on any home, we already know if the seller is paying our commission. And they almost always do.
📝 The Buyer Representation Agreement
This agreement formalizes our relationship and keeps everything clear. It’s easy to cancel — no questions asked.
🏠 What It Costs You
In 99.5% of deals, the seller covers our commission — you get full representation at no out-of-pocket cost. The only fee we charge buyers is a $489 flat administrative fee, collected at closing. That's it. No hidden costs, no surprises.
What You Get With Full Representation:
Legal Protection
We review contracts to protect your interests and catch risks early.
Expert Guidance
From search to close, we handle the details and deadlines.
Dedicated Communication
You’ll always know where things stand — no chasing updates.

Questions about how buyer representation works? Ask us anything — we believe an informed buyer is a confident buyer.
Why We Win for You
Built on a Proven Track Record
Before joining Everything Real Estate, our team earned RE/MAX's highest annual sales award — the Diamond Club — for 14 consecutive years, and was inducted into their Hall of Fame, Circle of Legends, and Lifetime Achievement Award. That winning culture came with us.
Wall Street Journal Top Teams
The Greatest Moves Team has ranked among the top real estate teams in the USA, recognized by the Wall Street Journal for outstanding sales performance.
Advanced Technology & Marketing
From Proforms contract software to AI-powered listing alerts and professional video marketing, we use cutting-edge tools to give you a decisive edge.
You'll Always Know
Our Communication Promise
One of the biggest frustrations buyers have with real estate agents is feeling left in the dark. We believe you should always know exactly where things stand — without having to chase us. Here's our commitment to you.
📱 Response Time
We respond to calls, texts, and emails within 2 hours during business hours — and within the hour when you're actively under contract. You will never wonder if we got your message.
📅 Weekly Check-Ins
Even in quiet weeks, we proactively reach out with a market update, new listings that match your criteria, and a status check. No news is still news — we'll tell you that too.
🏠 After Every Showing
We debrief with you after every showing — what we noticed, what the data says, and whether it's worth pursuing. You get our honest professional opinion, not just cheerleading.
📋 Under Contract Updates
Once you're under contract, we send you a written timeline of every upcoming deadline and check in at each milestone. You'll always know what's happening and what's next.
📞 7 Days a Week
Real estate doesn't stop on weekends — and neither do we. Our team is available 7 days a week during your active search. When the right home hits, we move fast.
🤝 One Point of Contact
You'll have a dedicated agent as your primary contact — someone who knows your story, your priorities, and your timeline. No getting passed around.

💬 Prefer texts? Phone calls? Email? We adapt to how YOU like to communicate. Just tell us your preference at our first meeting.
Your Vision
Your Personal Dream Home Profile
Before we search, we listen. Every great home search starts with a deep discovery conversation — understanding not just what you want, but why you want it.
We'll explore questions like:
  • What neighborhoods or zip codes are you drawn to — and why?
  • What's your ideal timeline? Are you flexible or do you have a hard deadline?
  • What's your true budget — including down payment, monthly payment comfort, and closing costs?
  • Must-haves vs. nice-to-haves: bedrooms, bathrooms, garage, yard, home office?
  • Are school districts a priority?
  • Do you need single-level living, or are stairs fine?
  • Are you open to a home that needs work, or do you want move-in ready?
  • What does your ideal commute look like?
We Build Your Search Strategy Around:
🎯 Your Priorities
We rank your must-haves vs. wish list so we never waste your time on the wrong homes.
📍 Your Neighborhoods
We provide detailed neighborhood profiles — schools, walkability, appreciation trends, and community feel.
🔮 Your Future
We think 5–10 years ahead — resale value, life changes, and long-term fit.
Market Intelligence
The Baltimore Market Today
Understanding current market conditions is essential to making smart decisions. Here's what the data tells us right now — and what it means for you as a buyer.
$412,110
Projected 2026 median sale price (Baltimore metro)
60
Average days on market (balanced conditions)
2–4%
Projected home price appreciation in 2026
100.8%
Homes selling at or above asking price
What This Means for Buyers
  • More inventory than in recent years — more homes to choose from
  • Sellers more willing to negotiate on inspections and closing costs
  • Prices still appreciating — waiting costs you equity
  • Neighborhood-level disparities are significant — Canton and Federal Hill average $450K+, while other areas offer strong value under $250K
  • Mortgage rates remain a key factor — getting pre-approved locks in your purchasing power today
Baltimore Neighborhood Snapshot
  • Canton & Federal Hill: $400K–$500K+, high walkability, strong appreciation
  • Towson & Timonium: $350K–$500K, top-rated schools, suburban feel
  • Hampden & Remington: $250K–$400K, artsy, up-and-coming
  • Catonsville & Ellicott City: $350K–$550K, excellent schools, family-friendly
  • Parkville & Overlea: $200K–$350K, strong value, growing demand

💡 The Greatest Moves Team tracks hyperlocal data across all Baltimore-area neighborhoods. We'll give you a custom market report for every area you're considering.
Chapter 2
The Roadmap to Ownership
A clear, step-by-step process designed to take you from pre-approval to signed deed.
Step 1: Financial Foundation
A strong financial foundation starts with clarity: what you can afford, what lenders want to see, and how to avoid surprises before you make an offer.
Why Pre-Approval Comes First
A pre-approval letter is your golden ticket in today's competitive Baltimore market. It tells sellers you're serious, defines your true budget, and lets us move fast when the right home appears. Without it, you can't make an offer — and in a hot market, hesitation costs you the home.
What Lenders Look At
Credit score (aim for 620+ conventional, 580+ FHA), debt-to-income ratio (ideally under 43%), employment history (2+ years preferred), and cash reserves for down payment and closing costs.
Down Payment Options
Conventional loans: as low as 3–5% down. FHA loans: 3.5% down. VA loans: 0% down for eligible veterans. Maryland also offers down payment assistance programs for qualifying buyers.
The Do's & Don'ts
DO: Keep paying bills on time, stay at your job, save aggressively. DON'T: Open new credit cards, make large purchases, change jobs, or co-sign any loans before closing.
Closing Costs to Budget For
Typically 2–5% of the purchase price. Includes lender fees, title insurance, appraisal, prepaid taxes and insurance. We'll walk you through a full estimate before you make any offer.

💡 Pro Tip: Get fully underwritten pre-approval — not just pre-qualification. It carries far more weight with sellers and can be the difference between winning and losing a multiple-offer situation.
Know Before You Close
Understanding Your Closing Costs
Closing costs typically run 2–5% of the purchase price in Maryland. On a $400,000 home, that's $8,000–$20,000 due at closing. Here's exactly what you're paying for — and what you can negotiate.

💡 Ask Your Lender Early: Different loan types have different rules on how much a seller can contribute toward your closing costs. Ask your lender about this at your very first conversation — before you start shopping. Here's a quick guide:
  • Conventional loan (5–9% down): Seller can contribute up to 3% of purchase price
  • Conventional loan (10–24% down): Seller can contribute up to 6%
  • Conventional loan (25%+ down): Seller can contribute up to 9%
  • FHA loan: Seller can contribute up to 6%
  • VA loan: Seller can contribute up to 4% (plus all loan costs)
  • USDA loan: Seller can contribute up to 6%
Knowing your limit early means we can negotiate seller credits into your offer from day one.
💡 Ways to Reduce Closing Costs
  • Ask the seller for a closing cost credit during negotiations
  • Shop multiple lenders — fees vary significantly
  • Ask your lender about rolling costs into the loan
  • First-time buyer programs may cover some costs (Maryland Mortgage Program)
  • Schedule closing at end of month to minimize prepaid interest
📋 What to Expect at Closing
  • You'll receive a Closing Disclosure 3 days before closing
  • Your loan officer will review every line item with you
  • Bring a cashier's check or wire transfer for the exact amount
  • Final amount confirmed 24–48 hours before closing
  • Never wire money based solely on email instructions — always verify by phone

⚠️ Maryland has some of the highest transfer taxes in the region. Always request a closing cost estimate from your lender early — and ask us about negotiating seller credits to offset these costs.
Step 2
The Strategic Search
Finding your home is both a science and an art. We guide you through every layer of evaluation so you can make confident decisions.
Navigate the MLS & Beyond
We monitor new listings the moment they hit — often before they appear on Zillow or Realtor.com. We also tap our exclusive agent network for off-market and coming-soon properties that never reach the public.
The Showing Process
We schedule showings efficiently around your schedule. During each showing, we evaluate the home with you — pointing out red flags, hidden potential, and value indicators most buyers miss.
Evaluate Condition & Quality
We assess roof age, HVAC systems, foundation, water intrusion signs, and deferred maintenance. We know what a $5,000 fix looks like vs. a $50,000 problem — and we'll tell you the difference.
Analyze Neighborhood Trends
We pull hyperlocal data on appreciation rates, days on market, list-to-sale price ratios, and school ratings for every neighborhood you're considering.
Decipher Long-Term Value
We evaluate resale potential, zoning, future development plans, and tax implications before you fall in love with a home — so you make a smart investment, not just an emotional one.

🏠 On average, our buyers view 8–12 homes before finding the right one. We make every showing count.
Step 3: Making the Move
🏆 Craft a Winning Offer
We analyze recent comparable sales, days on market, seller motivation, and competing offers to build a strategy — not just a number. Price, terms, contingencies, and timing all matter.
📋 Understanding Contingencies
Inspection contingency protects you if defects are found. Financing contingency protects your deposit if your loan falls through. Appraisal contingency protects you if the home appraises below purchase price. We advise on which to include and which to waive strategically.
⚡ Escalation Clauses
In competitive markets, an escalation clause automatically increases your offer up to a set maximum if another offer comes in higher — keeping you competitive without overpaying blindly.
🤝 Negotiate with Confidence
Our proven negotiation tactics go beyond price — we negotiate repairs, closing cost credits, possession dates, and inclusions. Every dollar saved is a dollar in your pocket.
💰 Earnest Money & Deposits
Typically 1–3% of the purchase price, held in escrow. We structure your deposit to show strength while protecting it with the right contingencies.
⚠️ Wire Fraud Warning
Before wiring any funds, always call your title company directly using a number you independently verified. Wire fraud is the #1 cybercrime in real estate. We will NEVER send you new wiring instructions by email.

📞 Our team is available 7 days a week during your active search. When the right home appears, speed matters — and we're ready.
Chapter 3
Under Contract & Beyond
Once your offer is accepted, the real work begins — and we are right beside you every step of the way.
Under Contract
The Critical Path
From accepted offer to clear-to-close, this phase demands attention to detail. Our team manages every milestone so nothing falls through the cracks.

⏱️ The typical under-contract period in Maryland is 30–45 days. Our team tracks every deadline and keeps all parties accountable so nothing slips through the cracks.
🔍 Home Inspection
Scheduled within 5–7 days of contract. A licensed inspector examines the structure, roof, electrical, plumbing, HVAC, and more. We attend with you, help you interpret the report, and advise on what to negotiate vs. what to accept. Not every defect is a dealbreaker — we help you prioritize.
🔧 Inspection Negotiations
After the inspection, we submit a repair addendum requesting fixes, credits, or a price reduction. Sellers can accept, counter, or decline. Our experience in this phase has saved our buyers thousands of dollars.
🏦 Appraisal
Your lender orders an independent appraisal to confirm the home's market value supports your loan amount. If it comes in low, we have strategies: renegotiate the price, challenge the appraisal, or cover the gap. We'll advise on the best path.
📋 Title Search & Insurance
A title company searches public records to confirm the seller has clear ownership and there are no liens, judgments, or encumbrances. Title insurance protects you and your lender from any future claims.
🏛️ Mortgage Underwriting
The lender's underwriter reviews your full financial file — income, assets, credit, and the property itself. They may issue conditions (additional documents needed). Respond quickly to keep your closing on track.
✅ Clear to Close
Once underwriting approves your file, you receive a 'Clear to Close' — the green light to schedule your closing date. You'll receive your Closing Disclosure at least 3 business days before closing.
The Finishing Line: Closing Day
1
Final Walkthrough (24–48 Hours Before)
This is your last chance to confirm the home is in the agreed condition — all negotiated repairs are complete, no new damage, and all included items (appliances, fixtures) are still present. If something is wrong, we address it before you sign.
2
Review Your Closing Disclosure
You'll receive this at least 3 business days before closing. Your loan officer reviews it with you to walk through every fee, credit, and cost — so there are absolutely no surprises at the table. If anything looks off, this is the time to ask questions.
3
What to Bring to Closing
Government-issued photo ID (two forms recommended), certified or cashier's check (or wire confirmation) for closing funds, and your checkbook for any small last-minute adjustments.
4
The Closing Table
You'll sign the deed, mortgage note, and dozens of other documents. The title company or attorney facilitates. The process typically takes 60–90 minutes. Your agent will be there with you.
5
Funding & Recording
After signing, the lender funds the loan and the deed is recorded with the county. Once recorded, the home is legally yours.
6
🔑 You Get the Keys!
Congratulations — you're a homeowner! We'll be there to hand you the keys and celebrate this milestone with you. But our relationship doesn't end here.

⚠️ Wire Fraud Reminder: Always verify wiring instructions by phone with your title company before sending any funds. Never rely solely on email instructions.
You Asked, We Answered
Frequently Asked Questions
These are the questions buyers ask us most. We'd rather you ask them now than wonder about them later.
About the Process
How long does the home buying process take?
From pre-approval to closing, most transactions take 45–60 days once you're under contract. The search phase varies — some buyers find their home in a week, others take a few months. We work at your pace.
Can I back out after making an offer?
Yes — with the right contingencies in place. An inspection contingency lets you exit if serious defects are found. A financing contingency protects you if your loan falls through. We structure every offer to protect your ability to walk away if needed.
What happens to my earnest money if the deal falls through?
If you exit within a contingency period (inspection, financing, appraisal), your earnest money is fully refunded. If you back out without a valid contingency, you risk losing it. We make sure you always have a protected exit path.
What if the appraisal comes in lower than the purchase price?
We have options: renegotiate the price with the seller, challenge the appraisal with comparable sales data, pay the difference in cash, or exit via the appraisal contingency. We'll advise on the best strategy for your situation.
Do I need a home inspection?
It's not legally required, but we strongly recommend it — always. A few hundred dollars can uncover tens of thousands in hidden issues. We attend every inspection with you and help you interpret the results.
About Working With Us
How are you different from other agents?
20+ years of Baltimore market expertise, $1 billion+ in sales, 900+ five-star reviews, off-market access, and a full team supporting your transaction from search to close. We don't just find you a house — we protect your investment.
What if I want to see a home right away?
We're available 7 days a week. When a great home hits the market, speed matters — and we move fast. Just call or text and we'll make it happen.
Will I work directly with Ron or with another agent?
You'll be matched with the team member who best fits your needs and area. Every agent on our team is fully supported by Ron's systems, training, and oversight — you get the full power of the team regardless of who you work with day-to-day.
What if I find a home on Zillow or Realtor.com myself?
Great — send it to us! We can show you any listed property, regardless of where you found it. We'll also tell you things about that listing that Zillow can't — days on market history, price reduction patterns, and seller motivation.
What areas do you cover?
We serve all of Baltimore City, Baltimore County, Anne Arundel, Carroll, Harford, Howard, Montgomery, and Prince George's Counties — the full Maryland market.

Have a question that's not here? Ask us — there's no such thing as a question too small when you're making the biggest purchase of your life.
Chapter 4
Owning Your Future
Homeownership is a journey. Here's how to protect your investment and grow your wealth for years to come.
Life After Closing
Seasonal Maintenance
Create a seasonal checklist: Spring (HVAC service, roof inspection, gutter cleaning), Summer (exterior painting, deck maintenance, pest control), Fall (furnace tune-up, weatherstripping, chimney inspection), Winter (pipe insulation, ice dam prevention, smoke detector check). Proactive maintenance prevents small issues from becoming expensive emergencies.
Home Warranties
A home warranty covers repair or replacement of major systems (HVAC, plumbing, electrical) and appliances. Costs typically $400–$700/year. Some sellers offer them as part of the sale. We'll advise on whether to request one during negotiations and which providers offer the best coverage.
Build Equity
Every mortgage payment builds equity. Strategic improvements — kitchens, bathrooms, curb appeal — can yield 70–80% ROI at resale. Refinancing when rates drop can lower your payment and accelerate payoff. We'll help you think like an investor from day one.
Your Long-Term Real Estate Partner
📊 Annual Home Value Reviews
We'll provide you with an annual market analysis of your home's value — so you always know where you stand and can make informed decisions about refinancing or selling.
🔗 Trusted Vendor Network
Need a plumber, contractor, electrician, or landscaper? We've spent 20+ years building a network of trusted, vetted professionals in the Baltimore area. Just ask.
👨‍👩‍👧 Referrals Welcome
If you know someone buying or selling, we'd be honored to help them too. Our business is built on relationships and referrals — and we treat every client like family.
🏡 When You're Ready to Move Again
Whether it's 3 years or 30 years from now, the Greatest Moves Team will be here. We've helped clients through multiple moves — and we'll be ready for yours.
Homeowner Reference Guide
Home Systems: Expected Lifespan & Costs
One of the smartest things a homeowner can do is plan ahead. Knowing when systems and appliances are likely to need replacement — and what it costs — helps you budget, prioritize, and avoid surprises.

💡 Pro Tip from the Greatest Moves Team: When buying a home, always ask for the age of the roof, HVAC, and water heater. These three items alone can represent $20,000–$40,000 in near-term costs if they're at end of life — and they're negotiating leverage.
Your Journey Starts Now
The Greatest Moves Team at Everything Real Estate is committed to your success — not just through closing, but for every move that follows.
📅 Schedule Your Consultation
Let's map out your personalized home-buying strategy together.
🏠 Find Your Perfect Home
We'll match you with properties that fit your lifestyle, budget, and future goals.
🤝 Partners for Life
Beyond the closing table, we remain your trusted real estate resource — always.

Ready to begin? Contact the Greatest Moves Team at Everything Real Estate — 1909 Thames Street, Baltimore, MD 21231 | (443) 573-9222 | ron@greatestmoves.com | greatestmoves.com

Tell Us What You're Looking For
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Share What You're Looking For →
It only takes 2 minutes. We read every submission personally.
Team Leader
Meet Ron Howard
Associate Broker & Team Leader, Everything Real Estate
Ron Howard has been one of Baltimore's most trusted real estate professionals since 2005. What started as Ron Howard & Associates — built on a foundation of technology, innovation, and relentless client advocacy — has grown into the Greatest Moves Team at Everything Real Estate, with just over a billion dollars in career sales.
Before real estate, Ron built expertise in sales, information technology, broadcast video production, and computer networking. He channeled that background into creating Proforms, a contract writing software for the residential real estate industry — pioneering the team-based approach to real estate that is now standard practice.
In 2018, Ron authored 'Create Demand & Stop Chasing Business,' which became an Amazon #1 bestseller in real estate and was named one of Inman's Best Real Estate Books of 2018. He is a sought-after speaker and coach on operational excellence and team leadership.
🏆 14x Diamond Club
RE/MAX's highest annual sales award — earned 14 consecutive years before joining Everything Real Estate.
📖 2x
Bestselling Author
'Create Demand & Stop Chasing Business' — Amazon #1 in real estate, Inman Best Books 2018.
🏛️ Hall of Fame
Inducted into RE/MAX Hall of Fame, Circle of Legends, and Lifetime Achievement Award.
❤️ Baltimore Native
Firmly rooted in Baltimore City. Board member of several local non-profits. Lives with wife Jeni, son Flynn, and dog Bernie.

📞 Reach Ron directly: (443) 573-9222 | ron@greatestmoves.com | greatestmoves.com
The People Behind Your Move
Meet Your Team
When you work with the Greatest Moves Team, you get more than one agent — you get a full team of dedicated professionals, each bringing unique expertise to your transaction.
Ron Howard
Team Leader & Associate Broker
(443) 414-3338
MD License: 524502
Nick Pfisterer
REALTOR®
(443) 472-3601
MD License: 5001461
Grace Belkot
REALTOR®
(443) 255-4508
MD License: 5006730
Tressa Manna
REALTOR®
(410) 375-6005
MD License: 606783
Joshua Kline
REALTOR®
(443) 636-1030
MD License: 5002620
John Stockton
REALTOR®
(410) 660-0013
MD License: 669972
Carson Jacokes
REALTOR®
(443) 336-8203
MD License: 642518
Mark Regal
REALTOR®
(443) 250-1321
MD License: 631957

You'll be matched with the team member who best fits your needs, area, and personality. Every agent is backed by Ron's systems, training, and 20+ years of expertise.