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For Sale by Owner
A solid year for Baltimore's home market
A solid year for Baltimore's home market

The home on Belfast Road in Timonium was just a foundation when the newly married couple in their mid-20s made an offer on it last summer for $10,000 above the asking price. "This was the first time we were ready to even think about buying," said Tim Shirah, who with his wife, Michele Shirah, submitted a $395,000 bid and beat a handful of other offers for the new home. They wanted to stop "throwing money away on rent," he said. For the Shirahs, the time was right. They had money from their wedding to put more than 20 percent down and interest rates were at extraordinary lows. But there weren't many homes on the market that they liked, so when they found something...