spacer.png, 0 kB

Tuesday, April 25, 2023

Mortgage Fee Changes Effective May 1, 2023

A recent USA Today article, discusses changes that will go into effect May 1, 2023- relating to upfront costs when acquiring loans backed by Fannie Mae and Freddie Mac.

Updates to the rates are because of changes in the Loan Level Price Adjustments (LLPAs) which are based in part on downpayment amounts and credit scores.

The following tables provide a summary of the difference in the current rates (LLPA Matrix) versus rates that will go into effect on May 1, 2023.

For more on the current LLPA Matrix see this PDF link. The discussion on the upcoming changes to the LLPA Matrix are found at this PDF link. More discussion on these updates can be found at this link.

Thursday, August 11, 2022

Home Improvements to Consider Over Others

In today's marketplace, home valuations take into consideration many factors. One of these factors is the law of increasing returns, as related to the money spent for improvements on a property.

Surprisingly, not all home improvements are considered added value projects (law of diminishing returns).

That said, let's start with some that are considered, more often than not, added value home improvement projects:

  • Kitchen
  • Bathrooms
  • Garage Doors
  • Siding
  • Refinishing Basement
  • Upgrade Flooring
  • Add on or Home Office Conversion
  • Windows

Home improvements that may not add value to a property's value include:

  • Swimming Pool
  • Extensive Landscaping
  • Expensive Lighting & Fixtures
  • Solar Panels

Staying ahead of market trends and making safe decisions about home improvements is always a good idea.

Post References

  1. Dotdash Meredith Creative (28 June 2022). "Three Home Improvements That Actually Add Value—and Three to Skip", (9 June 2022).
  2. Valerie Kalfrin, Christopher Rogacz (31 January 2022). "What Upgrades Increase Home Value? 25 High-ROI Improvements Buyers Love", (31 January 2022).
  3. Ginera Benedetti (15 December 2020). "8 home improvements that won't add value – what to avoid when renovating", Homes & Gardens (15 December 2020)

Monday, June 20, 2022

Maryland Real Estate Stats

Provided below, current Maryland real estate statistics as provided by the Federal Reserve Bank of St. Louis (FRED). Click on each chart to learn more about the information provided.

Maryland Homeownership RateActive Listing Count in MarylandAverage Listing Price in Maryland

Retrieved from FRED, Federal Reserve Bank of St. Louis

Tuesday, April 19, 2022


Professional Summary

After graduating with a Bachelor of Science in Mathematics (student internship NASA), Ms. Thomas began her professional career with Boeing as a defense contractor [systems analyst]. A short stint with General Electric followed and then 10 years with Rockwell International. Ms. Thomas started her consulting career in 1995 and opened her software consulting firm, QiSoftware in 2004. Ms. Thomas has held Top Secret and Secret clearances, with a life style polygraph. Clearance, currently inactive. In 2022, Ms. Thomas became a Maryland licensed real estate salesperson.

Professional Experience Detailed Summary

  • Microsoft Office Suite Power User (Latest 365 Pro Release & Office Pro 2000)
    • Including, Access, Excel, Word, PowerPoint & Publisher
  • Graphical User Interface [GUI] Software Developer
  • Internet Web Developer/Designer
  • Full Stack Developer
  • Java, Servlets, JDBC, XML, SQL, MySQL, LAMP, Netbeans, API, PHP, Curl, Postman, jQuery, AJAX, JavaScript
  • Blog Template Development: WordPress, Thingamablog
  • Proficient [Quick Study] Commercial Software Programs
  • Satisfied Maryland Real Estate Salesperson License Requirements (Education, Exam)
  • Familiar with DotLoop & Similar Real Estate Management Software
  • Corporate Office Manner & Appearance


Software Consultant /Business Owner
2000 - Present
Columbia, MD
  • Java [Applets, Servlets, JDBC], PHP, JavaScript, HTML, HTML5, CSS, Jplayer, jQuery, AJAX
  • Notable Development[s]: Blogger Calendar Java Version 2004
  • Extensive API Support
  • Netbeans IDE [Mac OSX, Windows]
  • Facebook Application Development
  • SQL Compliant Database Development & Support
  • Publisher WiredPages
  • Online Shop: WiredShops (Shop inventory maintained via API)
  • Online Real Estate Activities: RealtyStudio
  • Blogger: It's Personal, Business Blog Remix
  • Affiliate Marketing, Site Monetization, Google AdManager, Header Bidding
  • Contributor [Anne Arundel County], Wikipedia
  • Business Domains:,,,,,,

Social Media2008 - Present

Member Technical Staff
Rockwell International
1985 - 1995
Arlington, VA
  • Team/Task Leader Several Life Cycle Systems in support of the US Navy [NAVSEA] in Ship Design/Redesign efforts. Technical Writing, including; Requirements & Product Specifications, User's Guides, RFP Proposal input, etc.
  • Software Design, Development & Testing
  • X-Windows GUI Software Development
  • C, FORTRAN, SQL & Binding Language Support
  • VAX/VMS, Unix, MS DOS, MS Windows, Apple [Early OS Versions]
  • WordPerfect, MS Office Suite Power User
  • Developed sophisticated in-house HR Database/Program using MS Access to handle all aspects of contract/task management in addition to employee time charging & reporting. Intricate query development.
  • Defense Contractor/Navy, Secret Clearance

Systems Analyst
General Electric
1984 - 1985
Reston, VA
  • Hardware & Software Audit
  • Algorithms Development Support
  • PC Lotus Spreadsheet
  • Defense Contractor/NSA, Top Secret Clearance

Systems Analyst
Boeing Computer Services
1981 - 1984
Vienna, VA/Pentagon
  • FORTRAN software support for the Air Force's Advanced Penetration Model [APM]
  • SPF
  • JCL
  • IBM Mainframe
  • Defense Contractor/Air Force, Top Secret Clearance

Part Time Cashier
Circuit City
1978 - 1981
Beltsville, MD
  • Full Time College Student [1977-1981]
  • Daily Cash/Credit Reports
  • Bank Deposits
  • Handled large sums of cash
  • Supported the 6 Circuit City DC area stores when cash reports fell behind. Floater where needed.
  • Cash handler Rosecroft Raceway Electronics Shows
  • Secretarial support [Division Office] Summer 1979

Student Internship
NASA Goddard Space Flight Center
1980 Summer
Greenbelt, MD
  • Cost Complexities of Future Space Vehicles, Group Support

  • BS Mathematics
  • Bowie State University
  • Coursework Included: Computer Science Related Areas

  • Certificate Real Estate
  • Anne Arundel Community College
  • Coursework Included: Real Estate Principles & Maryland Laws


  • Qualified for Maryland Real Estate Salesperson License Feb. 23, 2022 (Date of Exam)
  • Maryland Licensed Real Estate Salesperson #5010431


Contact | Accessibility | Products | CSS and XHTML
© Copyright 2022-2024

spacer.png, 0 kB