22362 Armstrong Dr

Charming Home with Rare Double Lot in Society Hill – Leonardtown, MDDiscover a unique opportunity in the sought-after Society Hill neighborhood! This character-filled home sits on a rare double lot, offering both timeless charm and endless potential for future upgrades or expansion.Key Features & Amenities:Rare Double LotEnjoy the extra space to expand, garden, entertain, or create your dream outdoor retreat.Spacious Interior with Classic CharacterWarm and inviting layout with original details that add charm and personality throughout.Whole-Home GeneratorStay comfortable and secure during power outages—your lights stay on no matter the weather.Endless PossibilitiesCustomize with modern updates, build additions, or simply enjoy the nostalgic appeal as-is.Prime Location in LeonardtownJust minutes from downtown shops, dining, and waterfront attractions—walkable convenience with small-town charm.Why You'll Love It:This home is perfect for buyers looking for space to grow, classic appeal, and the opportunity to make it their own. Whether you're seeking a quiet retreat, a smart investment, or a home with personality and history, this property offers it all.Let me know if you’d like a social media version or print flyer adaptation as well.

40449 Breton View Dr

Charming Breton Bay Townhome – Comfort, Convenience & Community LivingWelcome to the peaceful charm of Breton Bay, where lifestyle and location come together seamlessly. Nestled just steps from the Breton Bay Country Club, this beautifully maintained 3-level townhome offers the perfect blend of elegance, functionality, and leisure.Enjoy easy access to the club’s premier amenities—including golf, tennis, and a sparkling pool—while being only minutes from historic downtown Leonardtown, known for its waterfront dining, boutique shopping, and vibrant community events.Inside, this 3-bedroom, 3.5-bath home is designed with comfort in mind. The main level features low-maintenance vinyl flooring and an open-concept living and dining area, anchored by a gas-burning fireplace that brings warmth and charm. The updated kitchen offers stainless steel appliances and ample space for cooking and entertaining.Upstairs, the owner’s suite is your personal retreat—complete with a soaking tub, dual vanities, and a separate walk-in shower. The finished lower level includes a full bath and an additional bedroom, ideal for guests, a home office, or multigenerational living.Step outside to your private patio, the perfect spot to enjoy a quiet morning coffee or unwind after a long day.Features:3 Bedrooms / 3.5 BathroomsThree finished levels of living spaceUpdated kitchen with stainless steel appliancesGas-burning fireplace for cozy eveningsVinyl plank flooring on the main levelSpacious owner’s suite with soaking tub, dual vanities & separate showerFully finished lower level with additional bedroom and full bathroomOutdoor patio for relaxing or entertainingBenefits:Low-maintenance living perfect for busy professionals, first-time buyers, or downsizersFlexible floorplan for guest space, home office, or hobby areaMove-in ready with modern updates and warm touches throughoutMultiple indoor and outdoor living areas to suit your lifestyleAmenities & Location Highlights:Walking distance to Breton Bay Country Club – enjoy golf, tennis, and pool accessShort drive to downtown Leonardtown – shopping, dining, and community eventsScenic, quiet neighborhood with a strong sense of communityEasy commute to PAX River and local employersThis townhome isn’t just a place to live—it’s a lifestyle upgrade. Whether you're buying your first home or simplifying into something more manageable, this one checks all the boxes.Would you like a version tailored for a property flyer or listing website as well?

23055 Town Run Dr

Welcome to 23055 Town Run Drive!A Perfect Blend of Comfort, Elegance & Location in The Meadows at Town RunStep inside this beautifully upgraded Clarke Model by Quality Built Homes — offering over 4,000 sq. ft. of stylish, functional living space, built for how you live today. This 4-bedroom, 3.5-bath home is just a few years young and has been meticulously maintained, giving you all the benefits of new construction without the wait.Tucked in a quiet, walkable community just minutes from Downtown Leonardtown, this is more than just a home — it's a lifestyle upgrade.Home Highlights:Main Living SpacesOver 4,000 sq. ft. across 3 fully finished levelsElegant birch engineered hardwood flooring throughout main levelHardwood stairs to both upper and lower levelsCrown molding adds timeless charmSpacious family room with coffered ceiling, open to kitchen & breakfast nookPrivate home office with glass French doors — ideal for remote workFormal dining room with added windows and detailed trimDesigner KitchenPainted white cabinetry with crown moldingGranite countertopsStainless steel appliancesOpen concept perfect for entertainingPrimary Suite RetreatTray ceiling, double walk-in closetsSpa-style en suite with:Granite double vanitiesOversized tiled shower (4.5’ x 7’) with dual showerheads, bench, ledge & lightingCorner soaking tub for a true spa vibeFinished Lower LevelFlexible space for media room, gym, guest suite, or playroomAdds valuable square footage and optionsOutdoor LivingMaintenance-free composite deckStamped concrete patio — ideal for gatheringsCorner lot with beautiful curb appealRear-entry garage for a clean front elevationPrime Location BenefitsWalk to Duke Elementary School and the library5 minutes to Downtown Leonardtown shops, restaurants & waterfront10 minutes to Leonardtown Junior & High SchoolsEasy access to schools, shopping, dining, and major commuter routesWhy You’ll Fall in Love:Thoughtful layout with space for everyoneLike-new construction with premium finishesStylish upgrades without the hassle of buildingFriendly, quiet neighborhood with a strong sense of communityThis is more than just a house. It's where your next chapter begins.

Agent Intro | The Listing Lender Program

Welcome to The Listing Lender ProgramDesigned to Protect Your Sellers. Empower Your Listings. Support Every Buyer.At the heart of every successful home sale is certainty — and The Listing Lender Program delivers exactly that.Created by Steve Combs and powered by Cornerstone Home Lending, this program equips listing agents with a seamless way to validate the strength of every financed offer submitted on their listing. It ensures peace of mind for sellers and sets your listing apart with elite-level buyer presentation tools — all at no cost to the seller.What Is It?The Listing Lender Program is a seller-focused prequalification process that requires all financed offers to be reviewed and prequalified by our team before they’re considered. If the buyer chooses to use a different lender, no problem — we simply request their fully underwritten preapproval in addition to our review.This process is both legally compliant and transparent, with a standardized seller disclosure and buyer notice included in the listing documents. You’ll also find a brief video overview of our exclusive Payment Affordability Program, which helps buyers see real numbers that reflect their cost, not just the rate.How to Use It (Simple & Compliant)For sellers requiring buyer prequalification through the Listing Lender, the process is:Include the Listing Lender Disclosure Addendum with the MLS documents.Direct buyers to Steve-Combs.com → click “Prequalify” to submit their info.Our team reviews the file, confirms strength, and issues a conditional approval letter — often within hours.[Download the official disclosure for your listing → Available on this page.]Why Agents Love It — The 5 Big BenefitsSimple to Use and ImplementClear instructions, one form, no gray areas. Our team handles the legwork.Provides Comfort & Safety for SellersEvery buyer’s offer undergoes a deep financial readiness check by a trusted lending team.Creates Competitive AdvantageListings stand out with elite tools: affordability breakdowns, strategy flyers, and real data presentations that attract serious buyers.Supports Sellers on Their Next Move — NationwideWhether staying local or relocating across the country, we remain their lender for life — guiding the next purchase with the same care and strategy.It’s Free to the SellerNo added cost. Just added certainty.The Listing Lender DifferenceWe don’t just issue a surface-level letter. When a buyer receives a Conditional Loan Approval from Steve Combs, they’ve already been reviewed for:Credit, employment, debt ratios, and assetsLoan program eligibilityContingencies and financing timelinePotential issues that could delay or derail closingYour seller gets the real picture of their buyer — up front.Complete Marketing SuiteIncluded Services:Total Cost Analysis & Rent vs. Own presentationsUnique Property Listing Website with video-narrated Loan Options & PromotionsOpen House financing flyers & Neighborhood Report CardsSeller Concession Analysis & Renovation Loan ScenariosAdvanced Title SearchContingency Plans for Home Sale, Appraisal Gap and Commission GapProperty Comparison ToolsPlanning for the Seller’s Next Home Purchase…and more.**A Note for Buyer Agents**Your client’s choice of lender is always their own — this program simply verifies that financed buyers meet a consistent standard for consideration. If they plan to use a lender you trust, great — they’ll just need to provide a valid, credit-underwritten preapproval alongside their Listing Lender approval.Our goal isn’t to interfere — it’s to ensure fairness, trust, and transparency in a high-stakes market.Watch the Payment Affordability Program Video NowSee how our unique affordability snapshots help buyers understand payment ranges in today’s terms — not yesterday’s estimates.Questions? Want a walkthrough?Text or call Steve directly at 301.672.8771 or schedule a time at MeetSteveCombs.comLet’s make every listing safer, stronger, and easier to close.Welcome to the Listing Lender Program!

Mortgage Interest Rate Buy-Downs Explained

How to Win the Bid in a Competitive Market

In this video, I discuss the current state of the real estate market and provide tips and tools for navigating it successfully. I explain why competition is high and how to make your offer stand out. I also address the importance of understanding appraisal gaps and the role of pre-approval letters. Additionally, I share how our team can help eliminate stress and strengthen your home loan approval. If you're looking to buy a home, this video will provide valuable insights and guidance.Here is a link to a Sample Homebuyer Client Dashboard:https://www.buysomd.com/presentation/4KDRqrNHere is a link to a Sample Homebuyer's Advantage Offer Dashboard Sent to a Listing Agent:https://www.buysomd.com/presentation/99647/

Home Loan Hack for 2025 – A Temporary Buydown Can Help You Save!

In this video, I explain a strategy we're using to navigate the current real estate market with higher price points and interest rates. I discuss the impact of these factors on home prices and rental rates, as well as the importance of considering the long-term benefits of homeownership. I also present different transaction scenarios, including conventional loans and temporary buy-down options, to help you understand how these strategies can make homeownership more affordable. By the end of the video, you'll have a clearer understanding of whether it makes sense to purchase a home now or wait for interest rates to potentially decrease.