Buying with Tina

I am dedicated to helping you find your perfect property and navigate the buying process seamlessly.

The service you deserve in a realtor you can trust.

Helping You Find Forever.

I understand that buying or selling a home is a significant life event, and I'm here to ensure a smooth and rewarding journey. With a proven track record of excellence and a commitment to your unique needs, I am dedicated to delivering unparalleled guidance and support. Your goals are my priority, and I pride on fostering lasting relationships built on integrity and reliability.

Discover the difference of having a trustworthy partner by your side as you navigate the world of real estate.

Buy with Tina

Reasons to Own a Home

01

Tax Breaks

The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, as well as some of the costs involved in buying your home.

02

Equity

Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.

03

Savings

Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as a gain without owing any federal income tax.

04

Predictability

Unlike rent, your fixed-mortgage payments don’t rise over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will increase.

05

Freedom

The home is yours. You can decorate any way you want and benefit from your investment for as long as you own the home.

06

Appreciation

Real estate has long-term, stable growth in value. While year-to-year fluctuations are normal, median existing- home sale prices have increased on average 6.5 percent ...

07

Stability

Remaining in one neighbor- hood for several years gives you a chance to participate in community activities, establish lasting friendships, and benefit from educational opportunities.

Are you ready to live your dream?

Buy With Me Today!

At Cummings & Co., we are bringing together the world’s sharpest, most creative professionals across real estate and marketing.

Buyer Guide

A Guide to Finding Your Home

Gain valuable insights and expert advice with my comprehensive buying guide. This guide is packed with essential information, tips, and strategies to navigate the real estate market with confidence. From understanding the buying process to securing financing and making informed decisions, our guide has you covered every step of the way.

Get Your Guide Now

Client Testimonials

Hear What My Satisfied Clients Have to Say

"Tina could not have been more responsive and more helpful! She went above and beyond to make buying our new home seamless. We have bought and sold many homes and Tina is one of the very best realtors we have worked with."

"I hired Tina to sell my house, and she was a DREAM! She was attentive to us as clients, provided great guidance on how to make our place more desirable, and handled all the steps of the sale professionally and with great enthusiasm. We wound up selling for more than we expected, faster than we expected, and were on our way to our next adventure thanks to Tina!"

"I cannot express how much I value Tina Holmes! She is a professional, friendly, understanding, available and helpful in understanding the home buying process. Without her expertise I do not think I would have ever found my cute little forever home. If I could give 10 stars I would!!!!"

"Tina was extremely helpful with the entire home buying process. I was a first time home buyer and she helped me through every step and made sure I was comfortable and knowledgeable. Scheduling wise she made many accommodations to show me houses with my work schedule. She has a lot of great contacts for contractors and inspectors that made closing a lot less stressful. Would definitely recommend… Read MoreRead Less

"I highly recommend Tina. She was amazingly helpful while selling our father’s home. Always quick to respond, with her hands on approach and amazing personality. She guided us through the process of selling an estate property from start to finish. She gave us solid advice on what to focus on, and provided great contractor referrals. Tina is the best!"

"All ya'll, I am going to put this out there... IMO the best Real estate agents in Baltimore are Tina Holmes and Brittany Pedersen... No joke, if you are ever in the market to buy or sell in MD, these women are who you need on your side. The knowledge, professional and amazing personalities make it easy to work with and finding the right home that fits you."