Maryland Refinance Loans and Home Equity Loans

Homeowners in Maryland enjoy a faster growing real estate market than many states in the US. With the average home appreciating 20% or more, even when other states are experiencing foreclosures and depreciation – home values hold steady.

This is great news for Maryland homeowners since it allows them to have a lot of equity in their homes, which can leverage to finance home improvement projects and consolidate debts.

How does refinancing work?

Mortage refinancing allows you to exchange your current mortgage loan for another mortgage loan – usually a loan with better terms. Homeowners do this for two main reasons:

1. To lower the current interest rate on their mortgage, thereby lowering their monthly mortgage payment. In some cases homeowners, who took out a mortgage when interest rates were not low can save up to 25% on their mortgage bill.

2. To take cash out of their home for a home improvement project, to consolidate debts and pay them off or to start a new business venture such as real estate investing.

How do you find the best interest rate on a refinance loan?

The internet has made it easy to find and choose mortgage lenders. But how do you find the best Maryland refinance lender for your situation? The answer is simply. Get quotes on your refinance loan.

In addition to your refinance loan interest rate, there are other terms such as loan type (30 year fixed, 20 year fixed, Adjustable rate mortgage (ARM), Interest only, etc), prepayment penalties and points that you must take into consideration when looking for a refinance loan. Getting refinance loan quotes from multiple lenders allows you to compare apples to apples and make the right decision.

5 Best Apartments in Dallas Texas

Dallas, with a population of 1,299,543, is the ninth largest city in United States. It came into being in 1839 as an idea in the mind of the Tennessee lawyer John Neely Bryan. From its humble beginnings as a small town with a courthouse and 20 streets, at the White Rock Crossing of Trinity River, Dallas has come a long way. It is now home to several fortune 500 companies and also to Dallas/Fort Worth International Airport which is among the world’s largest and busiest airports. The best apartments in Dallas are all situated in the upscale area of the city and have all the amenities and luxuries.

Let’s take a look at the 5 best Dallas Texas apartments.

1. 2929 Wycliff – This Dallas apartment is large and elegant with all the amenities including walk-in closets, kitchen appliances, wet/dry bar, patio, attached private garage, and alarm system. Your comforts are taken care of by the furnished unit with its barber carpet, fireplace, garden tubs, and ceiling fans. The complex has resort-style swimming pool. The wood plank flooring gives the apartment an elegant touch.

2. The Belmont – One of the best apartments in Dallas, The Belmont is situated at a convenient distance from all your necessities such as restaurants, boutiques, and nightlife entertainment. This Dallas apartment has beautiful pendant and track lighting, granite counters, California closets, energy efficient appliances, and multi-level parking garage.

3. The Dylan Residences – If you consider style, this one would be the best apartment in Dallas. You have Wii fitness, roof top decks, waterscaped swimming pool, hardwood floors, designer interior finishes, and granite counters.

4. Eastwood on Henderson – If you want a Dallas apartment for rent in the hippest neighborhood in the city, go for Eastwood on Henderson. The city’s best restaurants, shops, and nightlife are all just a walk away.

5. The Monterey – If resort living is what you want then The Monterey is for you. Built around three courtyards, this Dallas apartment for rent has wonderful amenities, wood flooring, floor/wall insulation, and noise reduction windows. The proportions are generous and you have lots of gathering spaces.

In these apartments you could have a dream life. You would have every sort of amenities, would be near all you need, and would have a style to boast of. If you have the money to shell out on rental homes, these Dallas Texas apartments are for you.

Boutique and Discreet: Yorkville Toronto Luxury Condominium Buildings of Less Than 50 Suites

There are a handful of luxury condominium buildings in Yorkville Toronto that have less than fifty suites. Ownership has its privileges as privacy and discretion are built-in standard features of these luxury boutique buildings. Often times one does not know their exact location as their understated private entrances provide the only evidence that they even exist. Unlike their high-rise counterparts, the floor plans and architecture of the suites in luxury boutique buildings tend to be more original, personable and innovative and many suites occupy whole or half floors. Boutique luxury buildings also provide owners with an intimate living atmosphere. A smaller but more dedicated building staff can focus on the personal needs of each individual resident. However this privacy and discretion comes with a price tag. Living large in a luxury boutique building in Yorkville costs more. Maintenance fees are higher than in larger buildings as there are less unit owners to share in the costs of amenities and building upkeep.

No. 155 Cumberland Street Fifteen Suites Since the early 1960′s a unique two storey penthouse apartment stood atop the office tower at 130 Bloor Street West. Accessed from a discrete entrance on Cumberland, it belonged to philanthropists and society couple Rose and Noah Torno. The 10,000 square foot penthouse was designed in the modernist style of famous American architect Philip Johnson with large windows and large planes. In creating N 155 Cumberland Street, the development team retained the Torno two storey penthouse on levels 13 and 14 and built above it and below it creating high-end residences that mirrored the architectural design and quality of this original penthouse. Existing floors 11 and 12 were converted from office space into five condominium suites. Seven new levels, adding an additional nine suites, were also built above the original penthouse creating an irregular tower faced in limestone. Residents use the same private entrance that the Tornos did which opens to a luxurious lobby with two private express elevators. All suites feature large terraces or balconies and outdoor barbequing is permitted. Ceiling heights are eleven feet and the penthouse and sub penthouse levels feature twelve foot ceiling heights. Interior finishes were done by builder Joe Brennan with suites having floor to ceiling unobstructed windows and radiant in-floor heating. Amenities of N 155 Cumberland Street: Concierge, Security Guard, Visitor Parking.

The Hazelton Private Residences 118 Yorkville Avenue Sixteen Suites Residents can take advantage of all the amenities of the five star Hazelton Hotel including Mark McEwan’s “ONE Restaurant”. Hotel suites are located on floors 2 to 4. Private Residences are located on floors 5 to 9 and accessed by a private elevator for residents. All suites feature minimum ten foot ceilings and have full individual control of heating and cooling year around. The smallest size suite is 2815 square feet and the largest is the Penthouse at 8100 square feet. Amenities at The Hazelton: Twenty Four Hour Concierge, Valet Parking, Twenty Four Hour Room Service, Indoor Lap Pool, Full Service Spa and Fitness Centre, Private Screening Room and Meeting Facilities.

The Windsor Arms Condominium Residences 22 St. Thomas Street Twenty Four Suites Situated next to the stretch of Bloor Street designer shops known as the “Mink Mile”, the private residences are located above the four storeys of the Windsor Arms Hotel. The Windsor Arms Condominium Residences has its own separate street entrance with lobby and private elevators. Only two suites per floor, all units have nine foot six inch ceilings, individually controlled heating and cooling systems and fireplaces. Residents have access to all of the five star luxury hotel amenities including Courtyard Cafe, Club 22, Tea Room, twenty four hour room service, housekeeping, salon and spa services. Suites range in size from a single one bedroom suite of 1350 square feet with all other units over 2800 square feet and an almost 5000 square foot full floor penthouse. Amenities of the Windsor Arms: Twenty Four Hour Concierge, Valet Parking, Private Party Room, Swimming Pool and Steam Room, Exercise Room

Museum House 206 Bloor Street West Twenty Six Suites Currently Under Construction An exclusive and intimate building of limestone, metal and glass located across the street from the Daniel Libeskind designed Crystal of the Royal Ontario Museum. Maximum of two units per floor with some units occupying the whole floors. Like the 32 storey Exhibit Residences next door to it, Museum House’s suites are all oriented north and or south giving residents clear panoramic views. Ceiling heights are a minimum of ten feet and whole floor suites feature eleven foot ceilings. All suites have fireplaces and expansive outdoor terraces. Suites range in size from 1942 square feet up to the 2 storey 5620 square foot penthouse with 4 terraces, outdoor spa and a private interior elevator. Each residence is pre-wired for Bang & Olufsen audio and video. Amenities of Museum House: Twenty Four Hour Concierge, Valet Parking, Individual Elevator Access to Each Suite, Fitness Centre, Guest Suite, Boardroom.

The St. Thomas 2 St. Thomas Street Forty-eight Suites Pre-Construction Located on the south west corner of St. Thomas and Charles Street West, 2 St. Thomas Street will be a contemporary residential tower anchored by a two storey black granite podium designed by architect Hariri Pontarini. The two storey podium houses the party room, wine lounge, private dining room, business facility, catering kitchen and reading lounge. The indoor pool and fitness facilities are located on the third level. Suite ceiling heights vary from 10 feet to 11’6″ depending on the floor and the penthouse level features 12 foot ceiling heights. All suites include a minimum of one parking spot and residences over 1700 square feet have two parking spots. One storage locker is also included with each residence and located in the underground parking garage. A high efficiency air handling unit in each suite provides year-round heating and air conditioning. Units with terraces include a gas outlet for barbeques. In the event of a blackout, a stand-by generator provides up to twenty four hours of hot water and basic electrical power supply to each residence. All suites come with a gas fireplace, a built-in wall safe and Miele kitchen and laundry appliances. Suites range in size from 1373 square feet up to the full floor residences of 6217 square feet. Minto has plans to build Six St. Thomas, an 11 storey luxury rental residence just to the north of The St. Thomas. Amenities of The St. Thomas: Twenty Four Hour Concierge, Valet Parking, Doorman, Party Room, Wine Lounge, Private Dining Room, Business Facility, Catering Kitchen, Reading Lounge, Indoor Lap Pool with Outdoor Sun Terrace, Fitness Facilities, Two Furnished Guest Suites on 4th Floor.

No. 8 Sultan Street Twenty-five Suites Located directly across the street from the Windsor Arms Hotel, this is where Yorkville and the luxury designer shopping of Bloor Street meet. All suites at 8 Sultan have private balconies, gas fireplaces, nine foot ceilings. Penthouses are two level with ten foot ceilings and have private rooftop terraces. All suites include at least one parking spot and heating and air conditioning is provided by an engineered system that permits either heating or cooling to be activated in any season. Suites range in size from two bedroom 1178 square foot units to 3100 plus square foot penthouses. Amenities of 8 Sultan St: Concierge 1 pm to 9 pm daily, Fully Equipped Gym Accessed From Second Floor.

The Renaissance Court 164 Cumberland Street Thirty-one Suites While the Renaissance Court may not offer the extras in services and amenities of the luxury boutique buildings in Yorkville it makes up for in affordability as it provides a less pricier option for those on a smaller budget who like the idea of living in Yorkville in a smaller more intimate building. Ideally located just south of the Hazelton Hotel and next door to the Four Seasons Hotel, the entrance to this understated building is found on the courtyard walkway between Yorkville Avenue and Cumberland Street. The lobby of the Renaissance Court is located on the first floor and the units occupy floors four to seven and feature one and two bedroom suites. Sizes range from the smallest one bedroom of 1155 square feet to the largest suite made up of two units put together of over 3000 square feet. Many suites feature fireplaces. Seventh floor penthouse level suites have skylights and a few lucky units located on the fourth floor have terraces. Each unit has their own heat pump giving residents individual control of heating and cooling. At the Renaissance Court rental parking is available for all residents and there is also twenty four hour concierge.