Check out our May Magazine!
PAYNE TEAM OF COLDWELL BANKER REALTY
The Payne Team RE Direct: (410) 936-0055 Office: (410) 543-4545 ThePayneTeamRE.com
RECIPES, DECOR TIPS AND MORE! INSIDE THE MAY ISSUE
Want to see your AD here? Call us today C: 410-936-0055 O: 410-543-4545
We Specialize in Poultry Farms Single Family Homes Unimproved Land Commercial Properties & More!
The Payne Team understands that your real estate needs are among the largest financial decisions you will make in your life. We take that responsibility to heart going the extra mile to ensure a smooth transaction. The Payne Team prides themselves with providing top notch real estate representation for our clients. We are local real estate experts specializing in residential, commercial, farms, and unimproved land. Having come together as a team in 2021 it didn't take long for The Payne Team to have an impact on the local real estate community. We have been constantly a Top 20 Performer in the Mid-Atlantic region for Coldwell Banker. The Payne Team was, also, a Finalist in Coastal Style magazine as the Best Real Estate Team in Wicomico County.
Rob Payne Team Lead-REALTOR
Angela Payne REALTOR
Rachael Fritts Marketing Mgr/Admin
Ryan Basch REALTOR
Aaron Bergeron REALTOR
Rachael Fritts DESIGNER AND EDITOR
Rachael graduated from Regent University with a Degree in Business Marketing in 2021. She has been with The Payne Team as a Marketing Manager since 2019.
Shawn Hunt LOAN OFFICER-THE HUNT TEAM
SVP, Area Manager NMLS ID# 1098459 M: (443) 783-0910
firstname.lastname@example.org www.HuntTeamMortgage.com CMG Home Loans | NMLS ID# 1820
Ryan Basch REALTOR & MARKET ANALYST Ryan holds a degree in Mechanical Engineering from the University of Delaware. He transitioned to real estate in 2021 to join the family business after 17 years in various technical and business leadership roles with multi-national companies.
MARKET INSIGHT FEATURED LISTINGS MARRY ME CHCKEN RECIPE REVIEWS SCAMS TARGETING ELDERS HOME BUYING SEMINAR CMG HOME LOANS MINI BLUEBERRY LEMON CAKES RECENTLY SOLD PUZZLES CALENDAR CONTENTS HANDYMAN HOW TO CURRENT LISTINGS MOTHER'S DAY CRAFT
Scan the QR Code for our FREE First-Time Home Buyer guide! Filled with everything you need to know
about the home buying process & how to get pre-approved!
MARKET INSIGHTS APPLYING DATA SCIENCE TO BETTER UNDERSTAND OUR LOCAL MARKET The Spring market is heating up, but the lack of available inventory and continued affordability challenges for buyers are throwing cold water on the flames. March sales jumped considerably compared to recent months, but 2023 sales are well off the pace of 2022. Let’s dig into the data… All transaction data & data visualizations are based on information from Bright MLS for the period 1/1/2018 to 4/12/2023 Unless otherwise noted, data includes “Active” or “Closed” transactions from Wicomico, Worcester, Somerset, Dorchester and Sussex Counties
AVERAGE SOLD PRICE The average price of a home in the 5-county region ticked up to $468,000 as March came to a close. Only May 2022 averaged higher over the last five years.
Average pricing is up 1% from last month and 5.8% from March 2022.
Sussex county is the underlying driver of the statistics since it is the only county sustaining an upward trend in pricing. The other counties have either stabilized or have shown minor reductions in average pricing.
# OF HOMES SOLD
While March closings hit a 6- month high, sales through the first quarter of the year are still down 25% compared to the same period last year. The outlook is for there to be significantly fewer homes sold in 2023 compared to recent years.
Active listings are not rebounding. As of April 12th, there are 1,744 properties for sale in the 5-county region. We have struggled to reach 1,800 listings since the beginning of the year.
Wicomico and Dorchester have seen the largest drop in available homes. 155 or more active listings in each of these counties was common at the end of last year. Now, daily inventory is dipping below 110. Sussex and Worcester have both stabilized, and seasonal cycles would suggest that inventory will start to grow as Spring sets in. Somerset has been steadily building inventory over the last 4 – 6 weeks. NEW CONSTRUCTION New construction is one of the essential sources of inventory in a growing real estate market. And our area is growing. All counties except for Somerset have seen a net increase in population from 2020 to 2022. New home builds have played an important role in meeting the strong demand for housing over the last few years. And let’s not forget that the lag in home builds following the recession in ‘08/’09 was one of the key macroeconomic drivers for the housing market challenges that we are facing today. Overall, 21.3% of sales (fee simple, not condos) in 2023 have been new construction. This is a substantial increase from 14.9% in 2022 and more than double than the 9.5% in 2018.
Most of these new construction sales are in Sussex and Dorchester. New developments around Cambridge are pushing new build sales to make-up over 20% of all sales in Dorchester. In Sussex, the metric jumps to 29%. By contrast, Wicomico, Worcester and Somerset are all lagging considerably behind these. Wicomico is at 8.0%, which is less than previous 3 years. Worcester is running ahead of 2022 at 8.2% of sales being new construction. Somerset on the other hand has not had a single new construction sale this year. Inventory is needed in our area and new construction is an essential part of a healthy real estate market. It will be interesting to see how this evolves over the course of the year.
Thanks for reading this month's Market Insights. As always, my inbox is open for questions! Any real estate market question is welcome - Reach me at 443-614-4327 or email me Ryan.Basch@cbrealty.com
3960 Oyster Shell Ln, Bivalve, MD 21814 5 BD 3.5 BTH 4,407SqFt OFFERED AT $945,000 Rare Opportunity to own this gorgeous property located on the Nanticoke River at the mouth of the Chesapeake Bay. This spectacular home offers over 4400 Sq Ft , featuring 5 large bedrooms, 3.5 baths, a second living space and ample storage. Having an upgraded kitchen with Stainless appliances, granite countertops and LVP flooring. The first- floor primary suite will be your private oasis, having 2 large walk -in closets, and an updated ensuite bath with a large walk-in shower, a soaking tub, and a double sink vanity. The massive family room has panoramic views of the river. The outdoor spaces are just as impressive as the indoors. Having your own private dock with boat lift, inground swimming pool with pool house and outdoor kitchen. There is also a detached two car garage, second outbuilding. And if that's not enough, check out the 54x75 Morton Building with 5 roll up doors, loft and insulated room with a small kitchen. You will love the gracious layout and generously sized rooms for living and entertaining. This home was built for making memories!!
Angela Payne 443-359-0350 Angela.Payne@cbmove.com
Scan to view listing!
3 large boneless, skinless chicken breasts approximately 2 ½ to 3lbs salt & Pepper 2 tablespoons olive oil or other neutral oil Chicken
Sun-Dried Tomato Cream Sauce
2-3 cloves garlic minced ¾ cup chicken broth ½ cup heavy cream at or close to room temperature ⅓ cup grated fresh parmesan cheese at room temperature ½-1 cup sun-dried tomatoes 1 teaspoon dried oregano
½ teaspoon crushed red pepper flakes fresh basil chiffonaded, for garnish
Preheat oven to 375°. Pat chicken breasts dry on all sides Generously season both sides of chicken breasts with salt and pepper Heat cast-iron skillet over medium-high heat. When skillet is warm, add olive oil and swirl pan to cover entire surface with oil. When oil is hot and shimmery, place seasoned chicken breasts in skillet. Sear chicken breasts 3 to 4 minutes, or until lightly golden in spots. Flip chicken breasts over and sear 3 to 4 minutes more. Carefully transfer seared chicken breasts to plate and set aside. Note: chicken should not be fully cooked-through at this point. Return skillet to stovetop and reduce heat to medium-low. Let temperature of skillet reduce, then add minced garlic. Sauté garlic 1 to 2 minutes, or until garlic is just fragrant. Add broth to skillet and stir, making sure to scrape up any browned bits of chicken or garlic that may be stuck to bottom of skillet. Move skillet to cool stovetop burner and let skillet cool slightly, then add heavy cream. Whisk or stir gently to incorporate heavy cream into chicken broth. Once liquids are blended, sprinkle grated parmesan into mixture and gently stir until cheese has melted. Return skillet to hot burner and continue stirring sauce mixture 1 minute or so, while skillet returns to temperature. Add sun-dried tomatoes, dried oregano, and red pepper flakes to cream sauce and stir gently to incorporate ingredients. Taste sauce and adjust salt, pepper, oregano, and/or red pepper flakes as desired. Bring sauce to constant slow simmer over medium-low heat, stirring occasionally. Once sauce is simmering, return seared chicken breasts to skillet. Flip chicken breasts 3 to 4 times to coat all sides in sauce, then transfer entire skillet into preheated oven. Bake dish 12 to 15 minutes, then begin checking doneness of chicken with internal meat thermometer. Continue cooking chicken until meat thermometer reads 160°-162° Fahrenheit when inserted into thickest part of chicken. Carefully remove skillet from oven and set aside. Spoon sauce from skillet over tops of chicken, then allow chicken to rest 5 minutes. Chicken will cook residually, reaching food-safe internal temperature of 165°F. After 5 minutes, transfer chicken to serving plates. Top chicken with remaining sauce from skillet and garnish with chiffonaded basil. Serve immediately with desired sides.
FIVE STAR SERVICE. EVERYTIME.
What our clients are saying
Have worked with Rob on both sides, buying and selling. Great to work with. Always goes above and beyond to make everything run smoothly. Highly recommend!
Scan the QR Code to leave us a review on Google!
Handy Man How To With Agent Aaron Bergeron! How to Replace a Doorknob
Tools Required Flat-Head Screwdriver
Step 1: Remove the Old Doorknob Use a screwdriver to remove the two screws holding the old latch mechanism to the edge of the door. Loosen and remove the screws holding the inner and outer door knobs in place on each face of the door. Remove each doorknob Slide the latching mechanism out of the door once both knobs are out. Unscrew and remove the strike plate from the door. Step 2: Insert the New Latch Before getting started- Check your old latch for a number stamped on it. It will either say 2-3/4 or 2-3/8.This number is the knobs "backset" (distance from the doors edge) Be sure your new doorknob has the correct backset, matching your door and old latch! Insert the new latch into the hole in the doors edge. Be sure to orient it correctly to match the direction of the door swing.
Lay the new strike plate over the latching hole in the door jamb, matching its position with the hole and the marks likely left behind by the old strike plate. Make sure the bent edge of the strike plate faces the direction of the door swing. Tighten the strike plate screws. Test the new knob when everything’s installed by opening and closing the door several times. Test the latch spring by pushing it in with your fingers several times. If the spring is working, the latch should spring back up again each time it’s pressed down. Hold the second knob in place, making sure it’s interlocked with the rod mechanism on the first knob. Thread in the screws for the second knob, locking it in place. Step 4: Install the Strike Plate Step 3: Install the New Doorknob Examine the two new knobs, then pick up the one with an extending rod designed to interlock with the latch and the other knob. Hold this new knob in position over the hole in the door, sliding the rod into the latch. Make sure the knob is centered over the hole, then thread in its screws and tighten them down. Thread the latch plate screws down, locking the latch mechanism in place.
CONGRATS! You just Changed your First Doorknob AARON BERGERON Need help with a bigger project? Just give me a call!
Myth: You should find your home before getting reapproved. Truth: The first step of the process is to get reapproved so you know your budget and can act quickly when ready to make an offer. A preapproval also makes your offer stronger to sellers. Myth: Start with your lowest offer when buying a home. Truth: You may only get one chance to submit an offer in. acompetiove market. If there are other offers on the table, your offer may get rejected immeiately with no chance to negotiate. Myth: If selling, price your house on the high side. Truth: In reality, homes that are priced competitively will sell faster and are more likely to attract multiple offers, giving you more room to negotiate. Myth: You should renovate your home before selling so you net more. Truth: Make sure to talke to your trusted real estate agent before renovating everything. Some renovation may be necessary, but not all of them, especially since there are so many buyers looking for a home. Myth: Skipping the home inspection is fine if there are no visible issues. Truth: You should always have a home inspection done. There could be hidden problems that would cost you down the line. COMMON REAL ESTATE MISCONCEPTIONS IN TODAY'S MARKET
Shawn Hunt Senior Vice President, Branch Manager NMLS ID# 1098459 Branch NMLS# 2443130 email@example.com
Poultry Farm with TWO Homes on Property!! Each Home 3BD 2BTH
3523 Chateau Dr. East New Market, MD 21631
OFFERED AT $2,000,000
3960 Oyster Shell Ln. Bivalve, MD 21814 5 BD - 3.5 BA - 4,407SF OFFERED AT $945,000
30918 Johnson Rd. Salisbury, MD 21804 3 BD - 2 BA OFFERED AT $249,000
Want to see your home here? Call us today for a FREE Market Analysis on your home! Direct: (410) 936-0055 Office: (410) 543-4545
Check out our land listings! LOOKING TO BUILD?
6560 Old Westover Marion Rd. Westover, MD 21871 OFFERED AT $65,000
0 Rockawalkin Ridge Rd. Salisbury, MD. 21801 OFFERED AT $61,900
4177 Lawson Barnes Rd. Crisfield, MD 21817 OFFERED AT $14,900
0 Legacy Ln. Crisfield, MD 21817 OFFERED AT $284,900
Give us a call for more information! C: 410-936-0055 O: 410-543-4545
21465 Nanticoke Rd. Tyaskin, MD 21865 OFFERED AT $59,000
LOOKING TO FARM? Check out our Farm listings!
3523 Chateau Dr. East New Market, MD 21631 OFFERED AT $2,000,000
31262 Morris Leonard Rd. Parsonsburg, MD 21849 3 BD - 2 BA - 2,304 SF 16.55 Acres OFFERED AT $599,000
5542 Watson Rd. Laurel, DE 19956 3 BD - 2 BA - 2,018 SF 10.02 Acres OFFERED AT $1,350,000
9060 Taylor Rd. Delmar, MD 21875 OFFERED AT $700,000
23864 Ocean Gateway. Mardela Springs, MD 21837 OFFERED AT $725,000
LET THE PAYNE TEAM HELP YOU FIND A NEW HOME!
Tulip Cupcake Holder Mother's Day Card
Supplies Cupcake Liners in 2 colors Buttons Popsicle Sticks Green Paint Letter Stickers Cardstock
Step 1: Cut out 2 Coffee Cups (To make it easier, look up a Coffee Cup Template- Print it and cut them out at the same size!)
Step 2: Attach the Coffee Cups by gluing their handles together. This will make your Coffee Cup Card.
Step 3: Paint 3 Popsicle Sticks Green and glue them to the inside of the Card.
Step 4: Now to Make the Cupcake Flowers. Take 2 different colors liners and glue them inside each other. Next, Glue a button to the center of the flower.
Step 5: Take your Cupcake flowers and glue them to the top of the popsicle sticks.
Step 6: Decorate your card however you'd like!
Step 7: Write a sweet Mother's Day Message on the inside of your Card.
Okay guys, picture this: Your parents have worked hard their whole lives and have a nice little nest egg set aside to enjoy their retirement years. Then one day, someone calls or emails them from the IRS or somewhere else super official-sounding, and your parents share private financial info with the mystery person on the other end of the line. And before you know it, a scammer has drained their bank account. It sounds like something that would never happen to your family, right? Well, sadly, things like this happen every single day to thousands of older Americans. Elder fraud is big business for cyber criminals. People over 60 lost $1.7 billion—or more than $18,000 per victim—to internet scams in 2021 alone.1 Yes, billion. That’s terrible, you guys! Here’s the thing, folks like your aging parents and grandparents are at a much higher risk for being scammed or defrauded out of their money because they might not be as tech saavy as young people.
But you can help protect your older loved ones from elder fraud and marketing ploys meant to steal their money. Now, talking to your family about their money isn’t always easy, but it really is an act of love when you do. So I’m going to walk you through the most common scams on the elderly so everybody’s on the same page.
There’s straight-up fraud (like someone stealing your grandma’s bank account information from her mailbox), and there’s also just gross marketing strategies aimed at seniors to get them to buy things they don’t need (like prepaid funerals). We’re going to cover it all so you can help your older loved ones avoid these traps. 10 Most Common Elder Fraud Scams This one’s a biggie right now. Scammers impersonate tech companies and then email or call saying you need to pay to fix a phony tech issue or sign up for a subscription for a fake security service. They also might impersonate a customer service rep for a utility company, a government agency or a bank and tell you there’s a problem with your account and they need personal info to fix it. These scammers will try any means possible: email, phone, text, social media, snail mail, you name it. But remember, no government agency, including the IRS, will ask for personal information over the phone. And in general, one of the best ways your older loved ones can protect themselves is to never give their personal information to anyone unless they know exactly who the person is and why they need it. Tax identity theft is one of the top scams the IRS deals with each year. Scammers steal someone’s Social Security number, file taxes using the stolen identity, and then steal the tax refund. Yuck. These people are lower than low. They’ll happily steal your parents’ refund but certainly won’t be stepping in to help if they owe money! Stolen Tax Refunds One of the very best ways to prevent tax identity theft is to file your taxes as early as possible. Encourage—or even help—your older loved ones to file as soon as they can. The sooner they file and get their refund, the sooner they’re not a target. Tech Support Fraud
Mail, Email and Phone Fraud
Part of the reason the elderly are a target for scammers is because they can be easier to reach. While younger generations head off to work each day or are tied up with other commitments on nights and weekends, older folks just tend to have a little more time on their hands. That means they might be home in the middle of the day to answer a robocall or chat with a smooth-talking phone scammer. And these phone scammers are good. They sound official and often use fear (“It’s not safe to go without our medical coverage”) and urgency (“We won’t offer coverage at this rate ever again”) to get older folks to give out personal or financial information. The same goes for email and mail fraud. Fraudsters are banking on older folks not being as tech savvy and will use email as a way to get access to sensitive information. Or scammers will send “official” paperwork in the mail that looks legit but isn’t at all. A good rule of thumb here (and it might sound like a no-brainer by now) is: Don’t give anyone personal information over the phone, over email, in a mail-in envelope—nothing—if you don’t know what company they’re with and why they’re requesting this information. It’s that simple. And if a request is actually for real, then they should have no problem with you calling customer service or your personal account representative to confirm their request. It makes sense that as people age, their health care needs go up. This makes the elderly a prime target for health care fraud. Think about it like this: If you’re young and healthy, you’re probably not interacting that much with doctors, your health insurance company, or other health care-related services. But if you’re older or have a lot of health challenges, your personal, financial and medical information is getting passed around a lot. And unfortunately, that means an increased chance of your older loved ones’ information falling into the wrong hands. Keep a close eye on statements, insurance claims and medical bills. See a service you know mom or dad didn’t get? Call their provider and health insurance company ASAP to report the issue. Health Care Fraud
Some people are out to steal identities so they can nab your older loved ones’ money. But more often than that, there are just a ton of sleazy businesses out there that aren’t technicallydoing anything illegal, but they’re more than happy to con your loved ones out of cash. And reverse mortgage lenders are the perfect example. Okay, first of all, when it comes to reverse mortgages, the name says it all. You’re going in reverse! And hello, don’t we want to be going forward? Yes! So, reverse mortgages are a big, fat N-O. With a reverse mortgage, you’re getting a loan that uses your home equity to provide the money for the loan itself. Reverse mortgages are only available to people 62 and older. (Right out of the gate, this is a setup for seniors.) It’s like this: Instead of making payments on a home loan like you would with a traditional mortgage, you’re taking payments out of the equity you’ve built. The bank is lending you back the money you’ve already put into your home and charging you interest. Not only are reverse mortgages a black hole of fees, but your older loved ones could also end up owing more on their home than it’s worth, or worse, losing their home altogether.
Gold and Silver Scams
These gold and silver sales pitches you see every 10 seconds on TV are designed to prey on fear that the economy will crash, and you’ll need gold to survive. Or they’ll say gold is the sure-fire way to make a fortune. The people hawking commodities are bottom feeders. Many will tell you they bought gold or silver for you that they’ll store in a safe place until you need it. But really, they’re just taking your money.2 But even if you find a reputable precious metals dealer, there’s no reason— zero—to buy gold or silver. It’s a horrible investment. Okay, say a zombie apocalypse happens
and the economy goes belly up. Of course zombies don’t carry cash, so wouldn’t we all be bartering for shelter and food, not trading in little gold bars? I mean, that’s what I would be doing! Help your older loved ones by
encouraging them to invest their money in mutual funds instead.
Accidental Death Insurance
Here’s some quick real talk. You only die once. That’s right, it’s crazy but true. Anyone trying to sell your older loved ones on accidental death insurance is basically trying to convince you of double-death. Sorry, that’s not a thing. You don’t need accidental death insurance, which pays if you die in an accident. How you die doesn’t change your family’s financial needs. A great term life policy will meet their needs. Your loved ones are wasting money for double coverage if they buy accidental death insurance. Yes, preparing for future expenses is always a good idea. But preparing and prepaying are totally different things. It’s normal to think more about death (and the expenses that come with it) as you get older. So it’s not totally crazy if your parents or grandparents are thinking about prepaying for their funeral. But prepaying for funerals is actually a waste of a good investment opportunity. Help your older loved ones skip the prepaid funeral. (It’s a sales gimmick for people in the funeral biz to get cash on hand now.) Then set them up with a qualified investment professional who will teach them how to invest and grow their money. When the time comes for a funeral, there will be more than enough for the funeral and then some. Disease-specific coverage just isn’t a thing your loved ones need. Again, it’s a way for businesses to cash in on fear, selling your family something you probably already have coverage for somewhere else. Think about it—do you have heart attack insurance? Stroke insurance? Broken arm insurance? No. Because most insurance policies already cover those types of events. And it’s the same with cancer. If your older loved one’s insurance policy doesn’t cover cancer care, I still don’t recommend getting cancer insurance. Instead, get with one of our health insurance experts who can help your loved ones pick the best policy for their needs. Don’t go buying specialty coverage though! Prepaid Funerals Cancer Insurance
Other Family Members
Let’s face it, just about every family’s got a wild card (or two, or three). Maybe mom and dad turn a blind eye to your 40-year-old brother’s can’t- keep-a-job antics and still pay his rent for him. Or grandma and grandpa have been bankrolling your Aunt Sally for decades. It’s really tough when it comes to family to keep a clear head. But it’s also really important that your family’s wild card doesn’t derail mom or grandma’s lifetime of working and saving. There needs to be at least one person in the family keeping a close eye on things and helping your older loved ones make important financial decisions with their head instead of their heart. Help your older loved ones name a financial power of attorney. This is usually done when people are creating a will, but you can do it at any time. A financial power of attorney is a document that allows someone to make money decisions on your loved ones’ behalf in the event they can’t make those decisions for themselves. Say grandma’s been in a car accident and is in a coma. Her financial power of attorney is legally able to take care of her money matters, like paying the mortgage and hospital bills when she can’t. It’s not a comfortable conversation to have, I know. But when push comes to shove, you want a reliable person in that position. How Can You Tell if You're Being Scammed? An email that appears to be from a real organization, but has a fishy email address A notification that you won a contest you didn’t enter A call or email from the IRS that requires personal info A call or email that asks you to pay a fee or fine with a gift card or wire transfer A caller who pressures you to make a payment or give them personal info New elder scams pop up all the time, but most have some things in common. So, alarm bells should go off if you or your loved one encounters some of these scammy traits:
First Responders - We Serve YOU! Enjoy Home Buying Discounts, On Us!
$250 OFF Appraisal Fee
$0 Tax Service Fee
$0 Credit Report
First Responders' Extra Savings for Heroes was made with you in mind. Contact Me for more information!
Mini Blueberry Lemon Bundt Cakes
2 1/2 cups flour 2 1/4 cups sugar 10 Tbsp. butter, softened 4 eggs 2 cups blueberries 1 1/2 cups whole milk 1/2 cup sour cream 2 Tbsp. fresh lemon juice 2 Tbsp. lemon zest 2 tsp. baking powder 1.5 tsp. vanilla extract 1/2 tsp. salt
1 1/2 cups powdered sugar 3-4 Tbsp. milk .5 - 1 tsp. fresh lemon juice
PREP & COOK TIME SERVINGS 50MIN 15 Mini Cakes
2 Tbsp. of flour Spray olive oil.
Preheat oven to 350 degrees In a bowl, whisk together flour, salt and baking powder. Set aside. In a separate bowl, combine milk, sour cream, lemon juice and lemon zest. Whisk and set aside. In a stand mixer, combine butter and sugar and blend until fluffy. Add in the eggs and vanilla to the stand mixer and blend until completely combined. Add 1/3 of the milk and sour cream mix to the blender and combine completely. Add in 1/2 of the flour mix to the blender and blend until completely combined. Add in half of the remaining milk and sour cream mix and blend until completely combined. Add in the remaining flour mix and blend until combined completely. Add in the rest of milk and sour cream mix and combine completely. Mix the blueberries with the 2 Tbsp. of flour and roll them to cover. Remove the bowl from the stand and fold in the blueberries. Spray bundt pan down with your spray olive oil. Make sure to get all the cracks for the shape of your pan. Add the batter, filling the bundt cake molds about 2/3 or 3/4 of the way. Mix glaze ingredients while the bundt cakes are cooking. Whisk together and set aside. Bake for 19 minutes. Check with a toothpick. If the tooth pick comes out mostly clean, they're done. This batter will be more moist than a typical cake batter so it might be a little tacky looking, but that's ok. You can let cool for about 10 minutes and then flip the pan over to remove the bundt cakes. As long as you sprayed everything well with olive oil, they should come out with no issue. Once cooled, drizzle on glaze and serve!
Lock N Shop LOCK NOW, BUY LATER
Are rising rate pressuring your purchase timeline? Shop for a home at your own speed with our Lock N Shop program.
Lock in your mortgage rate now Lower it once if market rates fall Take the time you need to find the perfect home How it works: 1. 2. 3.
Lock Term Base Price Price Adjustment
Date by which the borrower must be under contract
45 days .250 to price - waived
45 days of lock date
60 days of lock date
45 days .500 to price - waived
Available for Conventional, FHA, VA, and USDA Loans (30 and 15-year fixed)
Not available for non-agency loans
One-time float down allowed after property has be identified
Shawn Hunt Senior Vice President, Branch Manager NMLS ID# 1098459 Branch NMLS# 2443130 firstname.lastname@example.org
SOLD at $300,000
SOLD at $460,000
SOLD at $343,500
SOLD at $256,000
Your home could be here! Give us a call! Direct: (410) 936-0055 Office: (410) 543-4545
Let's get Social
Follow us on Instagram!
Past Client Appreciation
Scan the QR Code to visit our Social Media Platforms!
Want a mailed monthly magazine? Subscribe by going to our website www.ThePayneTeamRE.com
1131 S Salisbury Blvd Ste B. Salisbury MD 21801 O: (410) 936-0055 CB: (410) 543-4545Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44
Made with FlippingBook - professional solution for displaying marketing and sales documents online