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Find your dream farm style house in Flintstone

Flintstone offers homebuying opportunities across a wide range of prices so whatever your dream it can be met in this beautiful and small town amidst luscious hills. Flintstone is on the cusp of Maryland and Pennsylvania, within easy reach of weekends in Washington D.C. and trips to Pittsburgh to the northwest. Another charm of Flintstone is its location—half located within a State Forest, with nature at the doorstep. If you want a town that feels like an everyday escape, Flintstone is for you.

Live in the lush town of Flintstone

Make your home your every day retreat

With a sq. mi of .4 and a population of about 200 according to the latest census data, Flintstone is a tiny gem tucked between Pennsylvania and Maryland. This small town has the amenities to appeal to all kinds of homebuyer. With the school system rated a 5/5 by greatschools.org, you can rest assured that your kids will get a good education and will grow up safely in a community that gives you the welcome home feel. When it's time for fun, escape to Rocky Gap state park and enjoy its many natural wonders. The nearby, bigger city of Cumberland will offer all kinds of recreation from mom and pop style restaurants to shopping and bars. Flintstone is the perfect place to be if you desire an everyday escape.

Your homebuying experience made simple

Your next memories begin with Ernest

There are many reasons to make your first move a move to Flintstone. Every day feels like a vacation in this small town unencumbered by city life. You will live in a town filled with relaxation, beauty, and greenery. The many amenities that are important for the success of our everyday lives can be found here. But buying a home can be stressful and the process can seem daunting, especially if you are a first time homebuyer. If you are planning to buy in Flintstone however, you can make the process a lot easier by inviting Earnest to help you and guide you through it all. Flintstone offers many homes at different price ranges so with Earnest's assistance and years of experience, you can be sure to find your dream come true in this city.

Common Questions About Buying a Home in Flintstone

All The Answers You Need to Settle Down Sooner

Should I choose a fixed or adjustable rate?

It depends how long you expect to stay in the home. Adjustable rates are good for people who may not be in the home long, whereas fixed rates are ideal for people who are confident of settling in.

Do I need a home appraisal?

Probably—in most cases, the homebuyer must use an appraiser to evaluate the value of the home. Appraisal costs vary depending on the value of the property, as well as the state the house is in. Buyers cannot choose their own appraiser—the bank makes the decision.

What is PMI?

Private mortgage insurance (PMI) is required when a homebuyer makes a down payment of less than 20%, or when a borrower refinances with less than 20% equity in the home. PMI fees vary according to your down payment and credit score, and adds a premium to your monthly mortgage payment. Please note, PMI is tax-deductible in 2015 and 2016 for certain income brackets.

What does Loan-to-Value mean?

Loan-to-Value (LTV) is the percentage of your home’s value that your loan represents. When refinancing, the calculation is simply the loan amount divided by the appraised value. When buying a home, the LTV is found by dividing by either the purchase price or appraised amount, whichever is lower. When the LTV is less than 80%, the lender generally requires PMI.

For example:

Purchase price: $100,000
Down payment: $15,000
Loan amount: $85,000
Appraised value: $110,000
LTV: $85,000/$100,000 = 85%

What are closing costs?

Closing costs are standard fees associated with a real estate transaction. You will typically pay about 2-5% of the purchase price in closing costs—the exact amount depends on where you are buying (or refinancing), as well as number of extra fees involved in your particular transaction. Earnest charges no lender fees, so the borrower is only responsible for 3rd-party fees.

What should I consider before refinancing my mortgage?

Refinancing your home loan is an attractive option when rates are low. A simple rate and term refinance can help you lower your monthly payment and potentially eliminate your PMI premium, as long as you have built up enough equity in the home. You might also use a cash-out refinance to access some of the equity you’ve built up in the home (which may result in a higher monthly payment on your new loan).

However, keep in mind that refinancing a mortgage does involve several fees (closing costs). Before refinancing, you should calculate the ‘break-even’ point at which your refinanced loan makes up for the closing costs. If you plan to leave your home before this time, it’s better to stay with your current mortgage.

Knowledge Is (Buying) Power

Further Resources from the Earnest Blog

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The intelligent home loan

When it comes to finding the right home loan, Earnest works hard to ensure that the process pain-free. We use an industry-leading and intuitive online-only application (meaning most times no scanner or fax machine required), a 5-star client service team, and a unique rolling pre-approval that stays current while you track down that perfect home. At Earnest, the home loan process is like no other.