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Celebrating Terri Kulp
A Journey Towards Real Estate Excellence
In the competitive realm of real estate, standing out requires not only dedication but also a commitment to continuous learning and professional development. Coldwell Banker Chesapeake’s Terri Kulp, a seasoned realtor licensed in Maryland and Delaware, perfectly embodies this pursuit of excellence. Recently, Terri achieved a series of prestigious accreditations that underscore her expertise and commitment to serving both buyers and sellers in the real estate market.
ABR: Accredited Buyer’s Representative
The Accredited Buyer’s Representative (ABR®) designation, awarded by the Real Estate Buyer’s Agent Council (REBAC) of the NATIONAL ASSOCIATION OF REALTORS® (NAR), marks a significant achievement in the real estate industry, emphasizing excellence in buyer representation. To earn this credential, Terri completed extensive coursework in buyer representation and an elective focused on buyer representation specialties. This training equips her to effectively advocate for homebuyers throughout the transaction process, ensuring their needs are met with the highest professional standards.
SRS: Seller Representative Specialist
The Seller Representative Specialist (SRS) designation, awarded by the Real Estate Business Institute (REBI), is the premier credential in seller representation. It is designed to elevate professional standards and enhance personal performance. Terri’s achievement of the SRS designation highlights her skill and dedication to representing sellers with the highest level of proficiency and integrity.
RENE: Real Estate Negotiation Expert
Effective negotiation is crucial in real estate, and Terri has further sharpened this skill by earning the Real Estate Negotiation Expert (RENE) certification. This program equips realtors with the necessary tools and techniques to be formidable negotiators, ensuring they can advocate effectively for their clients.
MRP: Military Relocation Professional
Terri’s commitment to service extends to those who serve our country. With the Military Relocation Professional (MRP) certification, she specializes in assisting military personnel and veterans. This certification enables her to better understand and address the unique housing needs of U.S. service members and their families, helping them maximize their benefits.
Coldwell Banker Multi-Year Sales Award Winner and Global Luxury Specialist
Besides these designations, Terri has also been recognized as a Coldwell Banker Multi-Year Sales Award Winner, a testament to her consistent performance and superior customer service over the years. Moreover, she is a certified Coldwell Banker Global Luxury Specialist, adept at managing luxury real estate transactions with utmost professionalism and market insight.
Coldwell Banker Commercial Specialist
Furthermore, Terri is a certified Coldwell Banker Commercial Specialist, demonstrating her comprehensive expertise in commercial real estate transactions alongside her residential capabilities.
Terri’s accomplishments are widely recognized within her field. Hugh Smith, Broker and Co-Owner of Coldwell Banker Chesapeake Real Estate, commends her, saying, “We are all proud of Terri’s many accomplishments. She is a leading agent year after year and continually enhances her value proposition for real estate buyers and sellers on the Eastern Shore and in Delaware.”
Connect with Terri Kulp for Expert Real Estate Services
Whether you are buying, selling, or looking to relocate, Terri Kulp is equipped with the expertise and credentials to guide you through your real estate journey. She services the Eastern and Western Shores of Maryland and all of Delaware. Terri can be reached by telephone at (301) 462-9976, via email at terrikulp@cbchesapeake.com, or through her website at www.terrikulphomes.com. Visit her at the Coldwell Banker office in Chestertown for a personal consultation to discuss your real estate needs.
As a leader in Coldwell Banker Chesapeake’s strategic initiatives and a certified specialist in both commercial and luxury real estate, Terri continues to “raise the bar” in providing exceptional real estate services. Her journey stands as a beacon of professionalism and dedication in the industry.
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.
Maryland Mortgage Program
Understanding the Maryland Mortgage Program: A Guide for Homebuyers
If you live in Maryland and are thinking about buying a home, the Maryland Mortgage Program (MMP) can help make homeownership more affordable. Whether it’s your first home or you’re moving again, MMP has several options to consider.
What Does the MMP Offer?
The MMP offers a variety of loans, including conventional loans, and those supported by the FHA, VA, and USDA. Here’s a quick look at some of the key programs:
- Flex 6000 and 1st Time Advantage $6,000: These programs offer a $5,000 second mortgage to help with down payments and closing costs. This loan doesn’t charge interest and payments are deferred. You need a minimum FICO score of 640 to qualify.
- Flex 3% Grant and 1st Time Advantage 3% Loan: These provide help with your down payment by offering a grant or loan equal to 3% of your mortgage.
- SmartBuy 3.0: This program helps you pay off up to $20,000 in student loan debt, with a required minimum credit score of 720.
- 1st Time Advantage Direct: This usually offers the lowest interest rate available through MMP, for buyers with a FICO score of 640 or higher.
- 1st Time Advantage 4% & 5% DPA Program: This offers loans to help with your down payment equal to 4% or 5% of your mortgage.
- 1st Time Advantage 6%: This is designed for individuals earning less than 50% of the Area Median Income, offering substantial financial help.
Things to Consider
Before choosing a mortgage through MMP, make sure the program fits your financial needs. You’ll need to take a homebuyer education class and secure both a 1st and 2nd mortgage on your property. Each program has its own requirements.
Staying Informed
MMP’s features can change, so it’s important to keep up-to-date. For more information, you can speak to a specialist like Trent Riggs, or check the MMP’s official website for the latest details.
The Maryland Mortgage Program offers a range of tools to help you buy a home in Maryland, making it easier to manage the costs associated with purchasing a home. Whether you’re buying for the first time or moving within the state, MMP can provide valuable assistance.
Trent Riggs
Home Loan Consultant
NMLS # 2143938
triggs@mainstreethl.com
www.mainstreethomeloans.com/triggs
479 Jumpers Hole Road
Severna Park, MD 21146
Discover the Eastern Shore Sea Glass & Coastal Arts Festival
Community Event Spotlight
As the spring air warms the scenic landscapes of Maryland’s Eastern Shore, the quaint town of St. Michaels prepares to welcome a beloved annual event, the Eastern Shore Sea Glass & Coastal Arts Festival. Taking place on April 20-21, 2024, at the Chesapeake Bay Maritime Museum, this festival is a vibrant celebration of sea glass and coastal arts, proudly showcased by Coldwell Banker Chesapeake Real Estate as a significant community event.
A Weekend of Coastal Crafts and Creativity
Since its inception in 2010, the festival has attracted artisans and craft enthusiasts from across the country, turning St. Michaels into a hub of creativity and community spirit. This year, over 90 exhibitors will display their unique creations ranging from sea glass jewelry to coastal-themed home décor and art. This event is a perfect opportunity for attendees to find unique pieces and meet the artisans behind them.
Engaging Activities for All Ages
Spanning two days, from 10 am to 5 pm on Saturday and until 4 pm on Sunday, the festival offers a plethora of activities designed to entertain and educate:
- Live Music: The historic Tolchester Beach Bandstand and Fogg’s Landing Stage will host an array of local musicians, providing a lively backdrop for the festival.
- Educational Sessions: Sea glass expert Mary McCarthy will share her knowledge through talks and shard identification sessions. Additionally, author Sharon Brubaker will discuss the history of Chesapeake Bay in her virtual book tour.
- Interactive Experiences: Guests can explore the museum’s many exhibits and the newly enhanced Welcome Center.
Admission Details and Special Offers
The festival provides various ticket options with discounts for Chesapeake Bay Maritime Museum members, military personnel, seniors, and students. Attendees can also enjoy discounted historical cruises on the PATRIOT by using a special promotional code during the festival weekend.
Coldwell Banker Chesapeake Real Estate: Supporting Community Events
As a leading real estate brokerage in Maryland, Coldwell Banker Chesapeake is not just about selling homes; we are deeply embedded in the community and proud to showcase events that enrich our area. The Eastern Shore Sea Glass & Coastal Arts Festival is an example of our commitment to promoting local culture and community involvement.
Whether you are drawn to the artistic displays, the educational opportunities, or simply the charming atmosphere of St. Michaels, the Eastern Shore Sea Glass & Coastal Arts Festival is an event not to be missed. Join us for a weekend that celebrates the natural beauty and artistic talent of our coastal community.
For more information about the festival or to purchase tickets, please visit Eastern Shore Sea Glass & Coastal Arts Festival website Join us in supporting this fantastic event that highlights the cultural richness of the Eastern Shore!
About Coldwell Banker Chesapeake Real Estate
Ranked #1 Coldwell Banker Franchise in Maryland for 2023, Coldwell Banker Chesapeake boasts a stellar reputation as a premier real estate brokerage. With a team of over 45 agents, we serve not only the Chestertown community but also extend our reach to Maryland’s Eastern Shore, Delaware, Southern PA, and beyond. At Coldwell Banker Chesapeake, we are committed to upholding the highest standards of integrity, professionalism, and client satisfaction. With each transaction, we strive to exceed expectations, ensuring that every client receives personalized service and achieves their real estate goals with confidence.
#1 Coldwell Banker Company in Maryland
Coldwell Banker Chesapeake Real Estate Named #1 Coldwell Banker Company in Maryland
In the world of real estate, where competition is fierce and the quest for excellence is a continuous journey, it’s a moment of immense pride and celebration when an organization stands out for its exceptional achievements. This year, Coldwell Banker Chesapeake Real Estate has clinched a remarkable victory, being honored as the 2023 Number One Coldwell Banker Company in the State of Maryland. This prestigious recognition, based on adjusted gross commission income (AGCI), sets a new benchmark for excellence and underscores the relentless dedication and hard work of the team at Coldwell Banker Chesapeake.
A Testament to Teamwork and Excellence
At the heart of this monumental success are the individuals whose unwavering commitment and exceptional skills have propelled Coldwell Banker Chesapeake to new heights. Laurie Renshaw, Director of Operations, and Hugh Smith, Broker, accepted this accolade on behalf of their agents and associates, embodying the spirit of teamwork and collaboration that is core to the company’s ethos.
The achievement is even more significant considering the competitive landscape, with six Coldwell Banker Affiliated Franchises in Maryland. Standing out among such a distinguished group is no small feat and speaks volumes about the dedication and expertise that the team at Coldwell Banker Chesapeake brings to the table.
A Message of Congratulation and Encouragement
Jason Waugh, President of Coldwell Banker Affiliates, extended his heartfelt congratulations, acknowledging the hard-earned success and the team’s role in elevating the Coldwell Banker brand through their outstanding performance. His words, “Ranking as the number one affiliated company in adjusted gross Commission income in the State of Maryland,” echo the sentiment of pride and appreciation for the partnership and excellence demonstrated by the Coldwell Banker Chesapeake team. View Video Message.
A Legacy of Service and Expertise
Coldwell Banker Chesapeake Real Estate isn’t just a company; it’s a legacy of excellence in the real estate domain. Serving the Eastern Shore of Maryland, Delaware, and Southern PA since 2010, the company has grown to become a beacon of trust and professionalism in the industry. With offices in Easton, Chestertown, and Chesapeake City, Coldwell Banker Chesapeake is strategically positioned to offer top-notch real estate services across a broad region.
The company’s team of over 40 dedicated agents ensures that whether you’re buying or selling properties, your experience is seamless, professional, and imbued with sincerity and integrity. Their expertise in navigating the complexities of real estate transactions, particularly in the unique markets of waterfront homes, land, and farm properties, sets them apart.
Looking Ahead with Optimism and Resolve
As Coldwell Banker Chesapeake Real Estate basks in the glory of this recognition, the team remains forward-looking, fueled by the desire to achieve even greater heights in the years to come. With a foundation built on excellence, a team dedicated to delivering the best, and a presence that spans critical regions, the future looks promising for Coldwell Banker Chesapeake.
Congratulations to the entire team at Coldwell Banker Chesapeake Real Estate on this outstanding achievement. Here’s to continued success and excellence in 2024 and beyond!
Easter Weekend Fun: Egg Hunts and More on the Shore!
Looking for some egg-citing Easter activities on the Eastern Shore? Look no further! Here’s a spotlight on some of the egg hunts happening this Easter weekend:
Easter Egg Hunt at Talbot County Courthouse Grounds in Easton, MD
- Date: March 30
- Time: 10:00 am – 11:00 am
- Location: Talbot County Courthouse Grounds, Easton, MD
- Details: Thousands of eggs will be scattered across the picturesque Talbot County Courthouse grounds, promising a delightful morning of egg hunting. And keep your eyes peeled for a special appearance by the Easter Bunny!
Aunt Sarah’s Playground 1st Annual Egg Hunt – Wilmer Park, Chestertown, MD
- Date: March 30
- Time: 1:00 pm – 3:00 pm EDT
- Location: Wilmer Park, 413 South Cross Street, Chestertown, MD 21620
- Details: Aunt Sarah’s Playground invites you to their inaugural egg hunt event at Wilmer Park. Bring your family and friends for an afternoon filled with colorful eggs, games, prizes, and perhaps a surprise visit from the Easter Bunny! Remember to bring your own basket to collect as many eggs as you can.
Town Of Chesapeake City Easter Egg Hunt
- Date: March 30
- Time: 10:00 am
- Location: Helen Titter Park, Chesapeake City
- Details: Join the Town of Chesapeake City for their Easter Egg Hunt at Helen Titter Park. Children aged 1-7 are invited to meet the Easter Bunny, participate in egg hunt games, and even snap some photos with the beloved bunny himself.
These are just a few of the egg-cellent events happening this Easter weekend on the Eastern Shore. Keep an eye out for more events in our service areas, including beautiful church services and Easter brunches. Don’t miss out on the fun – hop on over and celebrate Easter with your community!
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.
Embrace Spring: Enhance Your Eastern Shore Home with Gardening and Outdoor Living Spaces
As the Eastern Shore of Maryland welcomes the vibrant hues and mild breezes of spring, homeowners are presented with the perfect opportunity to enhance their outdoor living spaces and delve into gardening. Whether you’re an experienced gardener or just starting, the arrival of spring marks the ideal time to infuse life and color into your property. Let’s explore some practical tips and creative ideas to help you elevate your outdoor areas, potentially increasing your home’s value and appeal.
Cultivate Your Eastern Shore Garden: Tips for Every Green Thumb
Start with a Plan
Before you plant a single seed, it’s crucial to have a plan. Consider the layout of your garden, the types of plants you want to grow, and their specific needs. Chesapeake’s climate is conducive to a variety of plants, so choose species that will thrive in our region.
Choose Native Plants
Embracing native plants is not only environmentally friendly but also advantageous for your garden. Native species are adapted to our local climate and soil, requiring less water and maintenance. They also provide essential habitats for local wildlife.
Soil and Fertilization
Test your soil to understand its composition and pH level. This knowledge will guide you in selecting the right plants and fertilizers, ensuring your garden flourishes.
Elevate Your Outdoor Living Space
Comfort Meets Style
Create a cozy and stylish outdoor living area by incorporating comfortable seating, ambient lighting, and weather-resistant decor. Think about how you want to use the space – whether it’s for dining, relaxation, or entertainment – and design accordingly.
Outdoor Kitchens and Dining Areas
Consider adding an outdoor kitchen or dining area if you love hosting gatherings. These features not only enhance your outdoor living experience but can also increase your property’s value.
Sustainable Practices
Incorporate sustainable practices into your outdoor space. Consider rainwater harvesting systems to irrigate your garden or choose solar-powered lighting to reduce energy consumption.
Engaging with the Eastern Shore Community
Don’t hesitate to seek inspiration and advice from local nurseries and landscaping professionals in the Eastern Shore area. They can offer valuable insights into plant selection, garden care, and design trends popular in our community.
Conclusion
Transforming your garden and outdoor living space this spring can provide a sanctuary for relaxation, an area for entertainment, and an opportunity to connect with nature. Embrace this season of renewal to create an outdoor oasis that reflects your style and enhances your Eastern Shore home’s appeal.
Whether you’re preparing to sell your home or simply want to enjoy your outdoor space to the fullest, these enhancements can make a significant difference. Happy gardening and outdoor living this spring on the Eastern Shore!
Still looking for your waterview or water access escape, visit www.cbchesapeake.com.
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.
Join Coldwell Banker Chesapeake for a St. Patrick’s Day Celebration in Chesapeake City!
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.
Their 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.
Agents Shine in 2023 Year-End Awards
Coldwell Banker Real Estate LLC, recently unveiled the esteemed recipients of its annual year-end awards for 2023. Among the honored agents, Coldwell Banker Chesapeake Real Estate Company proudly boasts eight individuals who have demonstrated exceptional leadership, pioneering industry standards, and a commitment to guiding clients to their dream homes.
Celebrating Excellence: “Today, we celebrate those who have brilliantly illuminated the path to success throughout 2023, showcasing exceptional leadership and setting new industry standards,” remarked Jason Waugh, the president of Coldwell Banker Affiliates. In the dynamic landscape of the Experience Economy, these dedicated individuals have harnessed market data, trends, and cutting-edge technology to enhance real estate experiences for their clients.
Top Performers at Coldwell Banker Chesapeake: The eight standout performers from Coldwell Banker Chesapeake, recognized in various Coldwell Banker award categories, have truly excelled in their roles. Let’s acknowledge their remarkable achievements:
- International President’s Circle: Peter Heller
- Peter represents the top 4% of all sales associates internationally qualified. His commitment to excellence has earned him a well-deserved place in the prestigious International President’s Circle.
- International Diamond Society: Mary Carlisle, Rick Parreco, and Sharon Fisher
- Mary, Rick, and Sharon stand among the top 10% of all sales associates internationally qualified, securing their positions in the International Diamond Society. Their dedication to delivering exceptional results is commendable.
- International Sterling Society: Jennifer Mobley, Murphy O’Neill, Nataliya Moskalyuk, and Terri Kulp
- Jennifer, Murphy, Nataliya, and Terri have achieved recognition in the International Sterling Society, representing the top 11% of all sales associates internationally qualified. Their outstanding contributions to the real estate industry have set them apart.
The success of Coldwell Banker Chesapeake Real Estate Company’s agents in the 2023 year-end awards is a testament to their hard work, dedication, and commitment to excellence. As they continue to inspire others within the network, the future promises even greater accomplishments. Congratulations to these outstanding individuals for their well-deserved recognition in the Coldwell Banker annual awards, and here’s to a future filled with continued success and achievements.
Chesapeake Fire & Ice Festival 2024:
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.
Their 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.
