NMLS # 2143938
410-490-7061
triggs@mainstreethl.com
Licensed in DE,FL,MD
Main Street Home Loans, Trent Riggs is here to make your dreams of owning a piece of this stunning shoreline a reality.
Get ready to bundle up and shuck some excitement because the Cambridge Ice & Oyster Festival is just around the corner! Coldwell Banker Chesapeake Real Estate is thrilled to shine a spotlight on this frosty extravaganza happening on January 12th from 4-9 pm and January 13th from Noon-8 pm. Join us as we explore the chilly delights and community spirit that make this festival a must-attend event. The Cambridge Ice & Oyster Festival is located in the heart of downtown Cambridge, Maryland running from Cannery Way to Blue Ruin.
Step into a winter wonderland as the festival transforms Cambridge into a spectacle of ice sculptures. From intricate carvings to larger-than-life creations, these frozen masterpieces are a sight to behold. Stroll through the festival grounds, capturing the artistry and craftsmanship that define the spirit of this icy celebration.
For seafood enthusiasts, the Cambridge Ice & Oyster Festival is a gastronomic delight. Indulge in a variety of oyster dishes, from classic raw oysters on the half shell to innovative and mouth-watering oyster creations. We recommend trying the local delicacies, supporting our community’s culinary talent while savoring the flavors of the Chesapeake Bay.
Ice & Oyster Festival is the perfect platform to foster connections. Engage with fellow festival-goers, share laughs, and create lasting memories. From ice-skating rinks to live music, there’s something for everyone, making it an ideal event to bring friends and family together.
The festival not only celebrates ice and oysters but also showcases the vibrancy of our local businesses. From charming boutiques to cozy cafes, the streets of Cambridge come alive with the spirit that defines our community. Coldwell Banker Chesapeake Real Estate encourages you to explore and support these local establishments.
In the spirit of community and local support, Coldwell Banker Chesapeake Real Estate recognizes the importance of being an integral part of the places we call home. As a firm believer in the strength of local connections, our dedicated team of over 50 agents stands ready to assist you in making the most of your community. With a profound understanding of Maryland’s Eastern Shore, Delaware, southern PA, and beyond, Coldwell Banker Chesapeake takes pride in its extensive coverage. Whether you’re settling in the historic town of Easton, the charming Chestertown, or the scenic Chesapeake City, our local presence ensures that you receive personalized and region-specific expertise. We believe that local agents with local knowledge are key to helping you thrive in your chosen community. Visit www.cbchesapeake.com to explore our comprehensive online resources and connect with us as we continue to serve clients with excellence across a broad geographical area. Your home is our priority, and we are here to guide you every step of the way.
Coldwell Banker Chesapeake Real Estate takes pride in its extensive coverage, catering to the diverse real estate needs of Maryland’s Eastern Shore, Delaware, southern PA, and beyond. With a dedicated team of over 50 agents, three strategically located business offices, and the flexibility to serve clients anywhere, Coldwell Banker Chesapeake is uniquely positioned to offer unparalleled real estate services.
Whether you’re in the historic town of Easton, the charming Chestertown, or the scenic Chesapeake City, Coldwell Banker Chesapeake has a local presence to provide personalized and region-specific expertise. Commitment to excellence and local knowledge extends beyond these offices, allowing them to serve clients across a broad geographical area. Their comprehensive online presence at www.cbchesapeake.com further facilitates seamless communication and access to a wealth of real estate resources.
Hello, homeowners! I’m Trent Riggs, your local mortgage loan officer with Main Street Home Loans and
I’m here to shed light on an important aspect of managing your finances—refinancing your mortgage. As
the real estate market evolves and interest rates fluctuate, understanding when and how to refinance
can be a game-changer in achieving your financial goals. In this post, we’ll delve into the intricacies of
refinancing, providing you with insights to make informed decisions about your home loan.
Refinancing your mortgage can be a strategic financial move that unlocks a world of opportunities.
Whether it’s lowering your monthly payments, shortening the loan term, or accessing home equity for
other investments, understanding when and how to refinance is crucial. As your local mortgage loan
officer, I’m here to guide you through this process. Reach out to me for personalized advice tailored to
your unique financial situation. Remember, your home is not just a place to live; it’s a valuable asset that
can contribute significantly to your overall financial well-being. Make the most of it!
Trent Riggs
Home Loan Consultant
Main Street Home Loans
NMLS #2143938
Phone: 410-490-7061
triggs@mainstreethl.com
www.mainstreethomeloans.com

Our empty Christmas Tree with no decorations.
It was a somber day at our Chesapeake City Office on November 30, 2023, as all the Whos down in Whoville
gathered to partake in the annual tradition of decorating the company Christmas tree. The ornaments, collected from vendors, clients, and employees far and wide, were a testament to the festive spirit that had become a multi-year tradition thanks to our spirited agent, Holli Davis. Among the cherished collection was a beautiful tree skirt that added an extra layer of holiday magic.
However, in an unforeseen turn of events, the Grinch made an uninvited appearance in Chesapeake City, nabbing the treasured ornament collection and even making off with the beloved tree skirt. The holiday cheer was momentarily dampened, but our resilient Holli Davis refused to let the Grinch steal Christmas from our office.
With a warm heart and an unyielding Christmas spirit, Holli set out to make the best of a disheartening situation. Undeterred by the Grinch’s antics, she decorated our modest tree in her own special way. While it may not hold the same treasured memories as before, it now radiates with Holli’s bright light, a testament to her indomitable spirit.

Hugh Smith (Broker/Owner) and Agent Holli Davis, start the decorating process.

Holli Davis and her Holiday Spirit
The lesson learned is a timeless one: Keep the Christmas spirit alive in your heart, and it will always shine through, even in the face of adversity. As the holiday season approaches, let Holli’s resilience inspire us all to find joy in unexpected places and create new traditions that are uniquely our own.
If you’re in search of a home to create your own holiday memories, reach out to our dedicated team at Coldwell Banker Chesapeake Real Estate, located at 2525 Augustine Herman Hwy, Suite C, Chesapeake City, MD 21915. Give us a call at 410-885-2200, and let us help you find the perfect place to make your holidays bright and memorable.

A little bit of Christmas Spirit after all.
As the festive season approaches, Chestertown is gearing up for a magical celebration that promises to transport residents and visitors alike to the enchanting world of Charles Dickens. From December 1st to 3rd, 2023, Coldwell Banker Chesapeake Real Estate is set to shine a spotlight on the town’s annual “A Dickens of a Christmas” weekend. Join us as we unwrap the details of this joyous event and invite you to experience the warmth of the season with us at Coldwell Banker.
Kickstarting the weekend on Friday, December 1st, Coldwell Banker Chesapeake Real Estate invites you to an open house. Join us starting at 5 pm for complimentary refreshments as we celebrate the holiday season together. Many other events will be happen this evening as well – Enjoy an evening filled with oysters, food vendors, beer, wine, and bonfires! Listen to KCHS Jazz Band, Garnet Elementary Chorus, River Voices, and end the night with a jam session from Dell Foxx Company! Also opening night for of Kate Hammill’s Little Women at the Garfield Center of the Arts. Many of Chestertown’s downtown businesses will be open late.
Start your Saturday on an active note by participating in the “Run Like the Dickens!” event. The 5K Run/Walk and Kids’ Fun Run will commence and finish near The Kitchen at the Imperial. This invigorating activity is not only a great way to stay active but also an opportunity to soak in the festive atmosphere that Chestertown exudes during the holiday season. There is still time to register!
Following the morning run, Chestertown invites you to explore the exquisite charm of festively adorned homes with the Holiday House Tour. Wander through the historic streets and marvel at the enchanting decor that beautifully captures the spirit of the holidays. This self-guided tour offers a unique glimpse into the warmth and creativity of Chestertown’s residents.
For families with little ones, Park Row becomes a hub of excitement with a range of children’s activities. From face painting to holiday crafts, there’s something for every young reveler. The festive ambiance of Park Row ensures that the younger members of the community can create joyful memories that will last a lifetime.
As the day unfolds, Fountain Park opens its doors to welcome children of all ages to Santa’s House. Step into the magical world of Santa Claus and share your holiday wishes with the jolly old man himself. The picturesque setting of Fountain Park adds an extra touch of magic to the experience, making it a must-visit for families and individuals alike.
Throughout the Dickensian weekend, Chestertown transforms into a living storybook, weaving together the magic of the season with the warmth of community. From the spirited run through town to the Holiday House Tour and the joyous activities for children, the festivities are abundant. Coldwell Banker Chesapeake Real Estate is proud to be a part of this celebration, and we invite you to join us in creating cherished memories and spreading holiday cheer throughout downtown Chestertown. We look forward to welcoming you to our open house on December 1st and sharing in the joy of “A Dickens of a Christmas” weekend!
As a local mortgage loan officer, I understand the importance of finding ways to save money on your
mortgage. Whether you’re a first-time homebuyer or a seasoned homeowner, these five tips will guide
you on the path to financial success, helping you maximize your resources while enjoying the benefits of
homeownership.
Choosing the right mortgage is a crucial first step in saving money. Explore the variety of mortgage
options available to you, such as fixed-rate mortgages and adjustable-rate mortgages (ARMs). While
fixed-rate mortgages provide stability by locking in a consistent interest rate, ARMs can offer lower
initial rates that adjust over time. Assess your financial situation, future plans, and risk tolerance to
determine which option aligns best with your goals.
Additionally, consider the term of your loan. While a 30-year mortgage may offer lower monthly
payments, a 15-year mortgage can save you a significant amount in interest over the life of the loan.
Evaluate your long-term financial strategy and choose a loan structure that aligns with your objectives.
Your credit score plays a pivotal role in determining the interest rate on your mortgage. Taking steps to
improve your credit score can result in substantial long-term savings. Start by checking your credit
report for errors and addressing any issues. Pay your bills on time, reduce outstanding debt, and avoid
opening new lines of credit before applying for a mortgage. A higher credit score can translate to lower
interest rates, ultimately saving you money over the life of your loan.
Don’t settle for the first mortgage offer that comes your way. Take the time to shop around and
compare interest rates from multiple lenders. Obtain quotes from banks, credit unions, and online
lenders to ensure you are getting the most competitive rate possible. Even a small difference in interest
rates can result in significant savings over the life of your mortgage. Be proactive in seeking out the best
options and negotiate with lenders to secure favorable terms.
Accelerating your mortgage payments can lead to substantial savings. Consider making extra payments
whenever your budget allows. Even modest additional payments can make a significant impact over
time, reducing the total interest paid and shortening the life of your loan. Before making extra
payments, check with your lender to ensure there are no prepayment penalties, and specify that the
additional funds should be applied to the principal balance.
Keep an eye on market trends and interest rates, as they can fluctuate over time. If interest rates drop
significantly after you've secured your mortgage, consider refinancing. Refinancing allows you to replace
your existing mortgage with a new one at a lower interest rate, potentially saving you money on
monthly payments and overall interest costs. However, it's essential to carefully evaluate the associated
costs of refinancing to ensure that the potential savings justify the expenses.
Saving money on your mortgage requires a combination of strategic planning, financial discipline, and
proactive decision-making. By choosing the right mortgage, maintaining a healthy credit score, shopping
around for the best rates, making additional payments, and refinancing wisely, you can pave the way to
a more financially secure future on the Maryland Eastern Shore. Remember, each small step you take
today can contribute to significant savings over the life of your mortgage. Happy saving!
For more information please reach out to:
NMLS # 2143938
410-490-7061
triggs@mainstreethl.com
Licensed in DE,FL,MD
Main Street Home Loans, Trent Riggs is here to make your dreams of owning a piece of this stunning shoreline a reality.
The charming town of Easton, Maryland, is about to come alive with the sights and sounds of one of its most cherished events – The Waterfowl Festival. Scheduled for November 10th through the 12th, this beloved celebration of art, nature, and heritage promises a weekend of unforgettable experiences. If you’re planning to attend this fantastic event, don’t forget to make a stop at Coldwell Banker Chesapeake Real Estate for some free refreshments and a warm welcome.
The Waterfowl Festival is an annual event that has been captivating locals and visitors alike for nearly 50 years. This three-day extravaganza celebrates the rich cultural and environmental heritage of Maryland’s Eastern Shore. The festival offers a delightful mix of art, music, food, and activities that are sure to appeal to all ages.
One of the festival’s main attractions is the stunning array of wildlife and nature-inspired artwork. From paintings and sculptures to photography and carvings, you’ll find a wide variety of art forms on display. Whether you’re an art enthusiast or simply enjoy beautiful pieces, the Waterfowl Festival’s art exhibits are not to be missed.
The festival is not just about art – it’s also a platform for raising awareness about wildlife conservation and environmental stewardship. Various educational programs and interactive exhibits will be on hand, providing insight into the importance of protecting our natural world.
Live music, delicious food vendors, and a bustling marketplace create a festive atmosphere throughout the weekend. It’s a perfect opportunity to immerse yourself in the local culture, savor regional cuisine, and pick up unique gifts and souvenirs.
As you explore all that the Waterfowl Festival has to offer, be sure to include a stop at Coldwell Banker Chesapeake Real Estate, conveniently located at 17 N. Harrison Street in Easton, Maryland. Our doors will be open to festival-goers, offering a warm welcome and free refreshments. It’s a great chance to take a break, chat with our friendly staff, and recharge for more festival fun.
With its blend of art, culture, and natural beauty, The Waterfowl Festival is a beloved tradition that captures the essence of Easton and the Eastern Shore of Maryland. Mark your calendar for November 10-12th, and be sure to join us at Coldwell Banker Chesapeake Real Estate, for a friendly visit and some well-deserved refreshments.
We look forward to seeing you there!
Selling your home can be a big decision, and timing is crucial when it comes to maximizing your profit and minimizing stress. While many people associate the spring and summer months with the best time to sell a home, the fall season also offers some unique advantages for home sellers. If you’re considering selling your home, here are five reasons why selling in the fall can be a smart choice, with the added expertise of Coldwell Banker Chesapeake Real Estate.
One of the most significant advantages of selling your home in the fall is the reduced competition. During the spring and summer, many homeowners decide to put their homes on the market, flooding the real estate scene with listings. This increased supply often means more choices for buyers and less urgency to make a decision. With Coldwell Banker Chesapeake Real Estate by your side, you can leverage their local market knowledge to stand out among the reduced fall inventory, attracting more serious buyers.
Buyers who are actively looking for a home in the fall are often more motivated. These buyers might be relocating for work, facing a life change, or simply eager to find their dream home before the holiday season. The experienced agents at Coldwell Banker Chesapeake Real Estate understand the nuances of these motivated buyers and can guide you through a successful transaction.
Fall foliage can make your property look stunning, enhancing its curb appeal. The vibrant colors of changing leaves can add warmth and character to your home’s exterior, making it more inviting to potential buyers. The team at Coldwell Banker Chesapeake Real Estate can help you showcase your property’s seasonal beauty and create a compelling narrative to draw in potential buyers.
Fall offers comfortable weather conditions for both buyers and sellers. It’s not too hot or too cold, making it an ideal time for house hunting. Buyers are more likely to take their time exploring the property and its surroundings without the discomfort of extreme temperatures. For sellers, maintaining the home’s exterior is also more manageable during the fall, as you won’t have to contend with the intense heat or snow removal.
While spring and summer may attract more window shoppers and casual buyers, fall often brings more serious and committed buyers. These individuals are less likely to waste your time with lowball offers or excessive negotiations. With the reduced competition and motivated buyers, you’re more likely to secure a reasonable price and experience a smoother transaction with the expertise and support of Coldwell Banker Chesapeake Real Estate.
In conclusion, selling your home in the fall offers several distinct advantages, and partnering with Coldwell Banker Chesapeake Real Estate can make the process even smoother. With less competition, motivated buyers, attractive landscapes, favorable weather, and serious buyers, this season can be an excellent opportunity to make a successful and profitable sale with the assistance of experienced professionals who understand the local market.