Bio
Building your net worth through home ownership.
I have enjoyed residing in Maryland my entire life. Having the mountains and beach close by, and between 2 major cities, have given us many places to visit and explore. This love of our state, its people, and my love of houses and interior decor, made choosing to become a Realtor, the perfect career choice almost 25 years ago.
My husband Eric and I have lived with our 4 children in Maryland, and have seen first hand the great schools, arts, and athletic programs this area offers.
Our extensive pre-listing marketing through to contract program, has enabled us to gain top dollar in record time for our sellers. Our customized marketing plans are implemented regardless of whether it is a $75,000 to multi-million dollar home.
Our buyers will also receive up to the minute information on listings, and lender contacts to negotiate the best winning deal. Sometimes people are not ready to purchase and would prefer a rental, our rental specialist will provide expert advise to obtain your next home.
Our service is unmatched. Please read our testimonials for our clients view of their service they received.
We look forward to meeting you soon.
Do something today to make someone smile!
What my clients say!
"Thank you for your expert handling of the sale of not one home, but three homes since 2020. You are
…
Read More an amazing team!
As you did with my parents’ home in October 2020, you again supported, and guided us confidently to the successful
sales of our rental home in August 2022 and our primary home in December 2022. Your extensive marketing program is
unmatched and is why your listings sell so quickly in any market condition and for higher than other comparables.
What sets you apart, in addition to your experience in all facets of the real estate market, is your generous support for
Heroes programs. Thank you for giving back to men and women who serve! Your participation, benefitting the sacrifices
of sellers and buyers who serve our community and country, exemplifies who you are!
We are forever grateful,"
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Joe and Mary Ann P.
"I first listed my home with a realtor team who led me to believe that they would be able to sell my
…
Read More house very fast. When we met, they did not give any suggestions in terms of staging, they took the pictures with their cell and my house was online within hours. As a result of skipping out on this step, my house sat on the market for almost a YEAR, and did not sell. My house was priced extremely below value. In fact, if it sold, I would have had to bring funds to closing to pay off my loan. There were no open houses scheduled, etc… as a last resort, the realtor finally recommended that I just rent my property. I finally ended the contract and decided that the time was not right.
I received numerous flyers in the mail from other realtor and teams, all the big name,, countless phone calls, but a visit by Eric Horne would change everything. He is extremely pleasant and his demeanor is inviting. He did not make wild promises, he simply stated facts. His approach (and Nancy too) was simply give us a chance. “We know we can sell this, we have been doing this for years, when other agents fail.” I decided I had nothing to lose.
A meeting was scheduled with Nancy who came in and made a detailed list of what needed to be changed in order to get the most value for my home, and kept in my tight budget. I would encourage any seller that once you receive the list, just make the changes. Ask no questions.
Upon listing my home, I instantly had several showings, they scheduled several open houses, one on Saturday and one on Sunday. I always felt like selling my home was their priority, (even though I’m sure they have other clients). Throughout the process, they answered any questions that I had. I personally like the fact that Nancy and Eric work as a team. I felt like I had two realtor for the price of one. 😊 Eric and Nancy are a great team. Eric showed me several homes that I was considering purchasing, while Nancy would be busy on the “grind” making sure that overall, I was getting the best deal ever. Nancy was always with me. She came and sat with me while various steps in the process were being conducted. For example, the day of my appraisal, I needed to be home for another reason, and she came over to meet the appraiser, and after we talked about restaurants and where we would celebrate. She knows how to ease your mind and she takes all the worries from her clients.
Why do I say they sell the impossible? I personally thought my house had a lot of flaws, but Nancy quickly turned what I thought were flaws into opportunities for curb appeal and selling nuggets. In fact, I feel like they sold my house for more than what I ever imagined I would.
Eric and Nancy are a great team, the absolute best! I’m happy that Eric initially left me the flyer and followed up with a visit. I’m now in my dream home that Nancy went above and beyond to find for me and make sure I settled into. She actually knocked on doors (with approval) in my dream neighborhood until she found one ready to sell. Because of her persistence, close attention to detail, “shark-like” zeal to always fight for her clients, I sold my home, am in the BEST house, and made enough profit for a great down payment.
I would use Horne & Horne if I ever plan to sell again, but seeing how this is my “forever home”, all I can offer at this point is my review and referrals, which I just referred my coworker. The Horne’s are an asset to anybody looking to buy or sell.
Thanks for allowing me to share my thoughts."
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L. Ambush
"I purchased my first home this past December with Nancy and the experience was amazing! I had attemp
…
Read More ted to purchase a house twice before with other realtors and never felt comfortable.
Nancy was understanding, patient and listened to everything I needed and wanted. There wasn’t a question I had that she didn’t answer. She had tons of experience selling and buying in every neighborhood we looked. With every other realtor I feel like I had to do my own research, and I was always so unsure and scared because it was such a huge purchase! She made me feel at ease and she took care of everything.
It was amazing when we walked in my future home, BOTH of us knowing that it was “the one” because of how much she listened to my likes and dislikes with every other home. I would recommend her to anyone, and if I ever move again I will be going with Nancy."
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Amanda O’Hara
Client's Success Stories
Testimonials
"Nina is an amazing agent. She made us feel at ease throughout the entire process. She was very patient and listened to our needs. She was very knowledgeable with the different neighborhoods which was great, since we were from NY. She found us a perfect home and held our hand from beginning to end. Was very thorough and responsible with paperwork and deadlines. We really felt represented and would … Read Morerecommend her as well as use her in future real estate needs. She is a talent and a hard worker. Positive Experience all around." Read Less
Client
"Matt has helped me and my wife buy and sell twice now. Each time he has been there to guide us through the process. I always value Matt's opinion and he's my realtor for any other houses we may buy and sell!"
Mike
"Matt has helped me sell and buy a home and I would recommend him to family and friends. He responsive, informative and trustworthy. Highly recommend!
Lauren - Matt was very helpful in the purchase of my new home. He was very thorough and had a great eye for detail. I would recommend him to friends and family. Even after signing all the paper work he continues to check up and offer help. I am extr… Read Moreemely grateful for matt's help in helping me purchase my first home!!!" Read Less
Sean
"Timmie was by far the best part of our home buying experience. I honestly don't know how we could've gotten through it without her! She was knowledgeable, approachable, friendly, and always professional. She provided helpful and sound advice on market trends and was always honest with us when we asked (many) questions. It was because of her and her honesty that we were confident in our investment.… Read More She always put our minds at ease and made the entire process seamless. She went above and beyond expectations and I will always recommend her services." Read Less
Client
"I would highly recommend Timmie. She helped us buy a house that was for sale by the owner. Transactions like these can often be complicated because there is not a professional on the other side, but Timmie worked tirelessly to ensure that we got our dream home. She was a strong advocate for us during the home inspection process and negotiated a very fair price for our house. We are so lucky to hav… Read Moree had Timmie represent us. When making a purchase as big as a home, it was a relief to know that we had someone we could trust in our corner. I would recommend anyone use Timmie. She is hard-working, responsive, and most importantly, trustworthy!" Read Less
Client
"Timmie was amazing to work with. We really appreciated her insight and communication during the process. Especially since we received multiple offers. We felt that she was working for our best interest throughout the whole process. If you want a Realtor® who has excellent communication and understands the market, look no further. Highly recommend Timmie Taff!"
Client
"Timmie has helped me with three real estate transactions, and we're working together on a fourth. She has a thorough knowledge of the Baltimore area, is attentive to details, and is very responsive. She communicates well, and even during busy times she's staying in contact and makes sure everything is on track. I have recommended her to other friends who have also been happy with her work, and wil… Read Morel continue to recommend her to others - she's great!" Read Less
Client
"Timmie Taff is a great seller's agent and I highly recommend her. She was the second agent I hired to try to sell my house and the contrast between her and my prior agent was like night and day. She is responsive, knows how to set appropriate expectations and sale prices, does her homework regarding comps and market conditions, is honest, realistic, communicative, and an advocate for you as a sell… Read Moreer. She has all the qualities you want in an agent, is clearly experienced, and was also great with giving me referrals for services I needed to get my home ready for showing. Timmie was recommended to me by a colleague who I trust very much, and I couldn't have made a better choice. With Timmie, my home had more than one offer (within the first 30 days of being on the market) and I was able to close less than 90 days after listing. Lastly, the home selling experience is a difficult one; with showings, feedback from potential buyers, waiting for offers, inspections, and appraisals, it can be draining. Timmie demonstrated a lot of emotional intelligence and empathy throughout the process. It was very easy and also comforting to work with her. If you're going to sell your home in Baltimore and want an agent who knows what she's doing, is responsive and is committed to you, go with Timmie Taff." Read Less
Client
"As an agent in NJ , I’ve recommended Laura in
the past for my daughter and son in law’s
house. Her work ethic and attention to detail
was impeccable. Remembering her, I once
again decided to use her as my agent when I
decided to move to MD. Laura is an
outstanding realtor/agent."
Linda
"Laura is a true real estate professional. Her
guidance and experience made our home
selling and buying decision process a great
experience. She worked with my wife and I
throughout the entire process and was always
available for questions. We look forward to
having Laura join us for our house warming
party!"
Nick and Jessica
"Laura Dernoga is first-class when it comes to assisting her clients before, during and after a
real-estate transaction. Personally, coming from a previous experience where I felt I wasn’t being
represented in my personal best interest, hiring Laura was refreshing and a relief. She was
readily available to provide any questions I had (no matter how random or strange they might have
been) and pr… Read Moreovided me with the information and updates I needed to know before I knew I needed
or wanted. I am excited to work with on her finding my next home!" Read Less
Matt
"I wish there were 10 stars. I met and worked with Shari 20 years ago when I was buying a house. Shari was the utmost professional. Knowledgeable. Patient. Kind. Shari looked out for my best interests in every aspect of the real estate transaction. We stayed in touch over the years and I had the pleasure of working with Shari again this year for a condo sale. Shari continues to be an outstanding re… Read Moreal estate professional. She always goes above and beyond and still exceeded every expectation possible. Thank you, Shari, for all you have done for me and for the integrity of the real estate industry. You are a gem and any buyer/seller is so lucky to work with you!" Read Less
S. P. 2024-05-24
"We sold two houses and bought one during the past year; Shari was our realtor for all three transactions. An experienced realtor, Shari is very knowledgeable about what it takes to sell and to buy a home. She carefully guided us through each transaction with patience and a huge amount of her time, answering all of our questions along the way. For our two sales, she led us through the maze of prepp… Read Moreing and listing a property, evaluating offers and ensuring that we were ready for settlement. As anyone buying a property these days knows, finding a house, preparing an offer and getting it accepted is a grind. Shari listened to us, recommended homes that were right for us and made certain that our offers were reasonable and complete. Shari's vast experience helping clients sell and buy homes in central Maryland has other benefits: she knows houses and this area so well that she will provide answers to questions you didn't even know to ask about your new home and your new home town." Read Less
D.L. 2024-11-23
"Shari was wonderful to work with as we sold our house. Very knowledgeable, professional, but most of all, she became our friend in the process. I would encourage anyone buying/selling a home to contact Shari."
M.A. 2025-02-13
"Mindy was an excellent realtor for the sale of my home. She was professional, extremely knowledgeable, and always stayed on top of everything. The sale of my home was complicated, but she saw me through with flying colors. I highly recommend her as a realtor and I wouldn't hesitate to use her services again"
Sarah Ragan
"There are so many amazing things I can say about my experience with Mindy. A great friend of mine, referred Mindy about a year ago. From the first call I knew it was a great pairing. Mindy asked great questions to really pull out what my greatest desires in a home were. When we toured different style homes she took great note of what I liked and disliked about each property. It got to a point she’… Read Mored know what I was thinking before I even said it. I say that to say when we found THE home, she knew it! Must have been the huge smile on my face 😊, but whatever it was she looked at me and said this is the one! And indeed it was! What I loved the most about my entire experience I could tell she cared and was determined. She would not let me give up on the process when I started to feel a bit hopeless in finding the right home. We toured so many great properties but I wanted that home feeling. She was kind and patient throughout and I am certainly grateful for the relationship we built.
Mindy is super knowledgeable and doesn’t mind sharing what she knows to make you feel comfortable throughout this entire process. She even throws in some interior decorating tips to help you bring the space to life even more. I couldn’t have asked for a better realtor she was truly a Godsend and I’d recommend Mindy a thousand times over. She’s been simply amazing." Read Less
Natasha Jones
"I recently enlisted Mindy to help me find a new home, and to sell my current residence, and I couldn't be happier with her services. She has a broad knowledge of the local real estate market, and knew which areas in which to look. She succeeded in finding the perfect house. She was prompt in responding to my emails, calls and texts, which helped to make the whole experience stress free. Her commun… Read Moreication skills are excellent. Mindy explained every aspect of the buying and selling process, and paid attention to detail. She ensured that I got a fair price for the house I was selling.
I would highly recommend Mindy to handle buying or selling a home." Read Less
Greene
"We needed an agent for transitioning (finding a new place to rent and selling our home). From our first call with Mindy, she was knowledgeable, professional, and genuinely attentive to our needs. It is apparent that she is experienced and has a deep understanding of the real estate industry. She provided valuable insights throughout the process and was available to answer my questions and offer gu… Read Moreidance. She was able to negotiate an excellent deal that I'm truly grateful for. If you are looking for a real estate agent who is committed, reliable, and has a personal touch, I highly recommend Mindy." Read Less
SL & SP
"Mindy was absolutely fantastic, knowledgeable and transparent during the entire buying and selling process of my home. I never had to worry because Mindy had the experience and the patience to guide me through the entire process. (She honestly deserves more than 5 stars)"
Julian
"JoAnn is the absolute best. She walked us through every step of the home buying process. From sending us listings to creating us a calendar for closing, she was always on top of it. Not only that, JoAnn is a kind and honest person. Truly, there is no one else I would want to be my realtor."
Brian & Lindsey
"Nina is an amazing agent. She made us feel at ease throughout the entire process. She was very patient and listened to our needs. She was very knowledgeable with the different neighborhoods which was great, since we were from NY. She found us a perfect home and held our hand from beginning to end. Was very thorough and responsible with paperwork and deadlines. We really felt represented and would … Read Morerecommend her as well as use her in future real estate needs. She is a talent and a hard worker. Positive Experience all around." Read Less
Client
"Matt has helped me and my wife buy and sell twice now. Each time he has been there to guide us through the process. I always value Matt's opinion and he's my realtor for any other houses we may buy and sell!"
Mike
"Matt has helped me sell and buy a home and I would recommend him to family and friends. He responsive, informative and trustworthy. Highly recommend!
Lauren - Matt was very helpful in the purchase of my new home. He was very thorough and had a great eye for detail. I would recommend him to friends and family. Even after signing all the paper work he continues to check up and offer help. I am extr… Read Moreemely grateful for matt's help in helping me purchase my first home!!!" Read Less
Sean
"Timmie was by far the best part of our home buying experience. I honestly don't know how we could've gotten through it without her! She was knowledgeable, approachable, friendly, and always professional. She provided helpful and sound advice on market trends and was always honest with us when we asked (many) questions. It was because of her and her honesty that we were confident in our investment.… Read More She always put our minds at ease and made the entire process seamless. She went above and beyond expectations and I will always recommend her services." Read Less
Client
"I would highly recommend Timmie. She helped us buy a house that was for sale by the owner. Transactions like these can often be complicated because there is not a professional on the other side, but Timmie worked tirelessly to ensure that we got our dream home. She was a strong advocate for us during the home inspection process and negotiated a very fair price for our house. We are so lucky to hav… Read Moree had Timmie represent us. When making a purchase as big as a home, it was a relief to know that we had someone we could trust in our corner. I would recommend anyone use Timmie. She is hard-working, responsive, and most importantly, trustworthy!" Read Less
Client
"Timmie was amazing to work with. We really appreciated her insight and communication during the process. Especially since we received multiple offers. We felt that she was working for our best interest throughout the whole process. If you want a Realtor® who has excellent communication and understands the market, look no further. Highly recommend Timmie Taff!"
Client
"Timmie has helped me with three real estate transactions, and we're working together on a fourth. She has a thorough knowledge of the Baltimore area, is attentive to details, and is very responsive. She communicates well, and even during busy times she's staying in contact and makes sure everything is on track. I have recommended her to other friends who have also been happy with her work, and wil… Read Morel continue to recommend her to others - she's great!" Read Less
Client
"Timmie Taff is a great seller's agent and I highly recommend her. She was the second agent I hired to try to sell my house and the contrast between her and my prior agent was like night and day. She is responsive, knows how to set appropriate expectations and sale prices, does her homework regarding comps and market conditions, is honest, realistic, communicative, and an advocate for you as a sell… Read Moreer. She has all the qualities you want in an agent, is clearly experienced, and was also great with giving me referrals for services I needed to get my home ready for showing. Timmie was recommended to me by a colleague who I trust very much, and I couldn't have made a better choice. With Timmie, my home had more than one offer (within the first 30 days of being on the market) and I was able to close less than 90 days after listing. Lastly, the home selling experience is a difficult one; with showings, feedback from potential buyers, waiting for offers, inspections, and appraisals, it can be draining. Timmie demonstrated a lot of emotional intelligence and empathy throughout the process. It was very easy and also comforting to work with her. If you're going to sell your home in Baltimore and want an agent who knows what she's doing, is responsive and is committed to you, go with Timmie Taff." Read Less
Client
"As an agent in NJ , I’ve recommended Laura in
the past for my daughter and son in law’s
house. Her work ethic and attention to detail
was impeccable. Remembering her, I once
again decided to use her as my agent when I
decided to move to MD. Laura is an
outstanding realtor/agent."
Linda
"Laura is a true real estate professional. Her
guidance and experience made our home
selling and buying decision process a great
experience. She worked with my wife and I
throughout the entire process and was always
available for questions. We look forward to
having Laura join us for our house warming
party!"
Nick and Jessica
"Laura Dernoga is first-class when it comes to assisting her clients before, during and after a
real-estate transaction. Personally, coming from a previous experience where I felt I wasn’t being
represented in my personal best interest, hiring Laura was refreshing and a relief. She was
readily available to provide any questions I had (no matter how random or strange they might have
been) and pr… Read Moreovided me with the information and updates I needed to know before I knew I needed
or wanted. I am excited to work with on her finding my next home!" Read Less
Matt
"I wish there were 10 stars. I met and worked with Shari 20 years ago when I was buying a house. Shari was the utmost professional. Knowledgeable. Patient. Kind. Shari looked out for my best interests in every aspect of the real estate transaction. We stayed in touch over the years and I had the pleasure of working with Shari again this year for a condo sale. Shari continues to be an outstanding re… Read Moreal estate professional. She always goes above and beyond and still exceeded every expectation possible. Thank you, Shari, for all you have done for me and for the integrity of the real estate industry. You are a gem and any buyer/seller is so lucky to work with you!" Read Less
S. P. 2024-05-24
"We sold two houses and bought one during the past year; Shari was our realtor for all three transactions. An experienced realtor, Shari is very knowledgeable about what it takes to sell and to buy a home. She carefully guided us through each transaction with patience and a huge amount of her time, answering all of our questions along the way. For our two sales, she led us through the maze of prepp… Read Moreing and listing a property, evaluating offers and ensuring that we were ready for settlement. As anyone buying a property these days knows, finding a house, preparing an offer and getting it accepted is a grind. Shari listened to us, recommended homes that were right for us and made certain that our offers were reasonable and complete. Shari's vast experience helping clients sell and buy homes in central Maryland has other benefits: she knows houses and this area so well that she will provide answers to questions you didn't even know to ask about your new home and your new home town." Read Less
D.L. 2024-11-23
"Shari was wonderful to work with as we sold our house. Very knowledgeable, professional, but most of all, she became our friend in the process. I would encourage anyone buying/selling a home to contact Shari."
M.A. 2025-02-13
"Mindy was an excellent realtor for the sale of my home. She was professional, extremely knowledgeable, and always stayed on top of everything. The sale of my home was complicated, but she saw me through with flying colors. I highly recommend her as a realtor and I wouldn't hesitate to use her services again"
Sarah Ragan
"There are so many amazing things I can say about my experience with Mindy. A great friend of mine, referred Mindy about a year ago. From the first call I knew it was a great pairing. Mindy asked great questions to really pull out what my greatest desires in a home were. When we toured different style homes she took great note of what I liked and disliked about each property. It got to a point she’… Read Mored know what I was thinking before I even said it. I say that to say when we found THE home, she knew it! Must have been the huge smile on my face 😊, but whatever it was she looked at me and said this is the one! And indeed it was! What I loved the most about my entire experience I could tell she cared and was determined. She would not let me give up on the process when I started to feel a bit hopeless in finding the right home. We toured so many great properties but I wanted that home feeling. She was kind and patient throughout and I am certainly grateful for the relationship we built.
Mindy is super knowledgeable and doesn’t mind sharing what she knows to make you feel comfortable throughout this entire process. She even throws in some interior decorating tips to help you bring the space to life even more. I couldn’t have asked for a better realtor she was truly a Godsend and I’d recommend Mindy a thousand times over. She’s been simply amazing." Read Less
Natasha Jones
"I recently enlisted Mindy to help me find a new home, and to sell my current residence, and I couldn't be happier with her services. She has a broad knowledge of the local real estate market, and knew which areas in which to look. She succeeded in finding the perfect house. She was prompt in responding to my emails, calls and texts, which helped to make the whole experience stress free. Her commun… Read Moreication skills are excellent. Mindy explained every aspect of the buying and selling process, and paid attention to detail. She ensured that I got a fair price for the house I was selling.
I would highly recommend Mindy to handle buying or selling a home." Read Less
Greene
"We needed an agent for transitioning (finding a new place to rent and selling our home). From our first call with Mindy, she was knowledgeable, professional, and genuinely attentive to our needs. It is apparent that she is experienced and has a deep understanding of the real estate industry. She provided valuable insights throughout the process and was available to answer my questions and offer gu… Read Moreidance. She was able to negotiate an excellent deal that I'm truly grateful for. If you are looking for a real estate agent who is committed, reliable, and has a personal touch, I highly recommend Mindy." Read Less
SL & SP
"Mindy was absolutely fantastic, knowledgeable and transparent during the entire buying and selling process of my home. I never had to worry because Mindy had the experience and the patience to guide me through the entire process. (She honestly deserves more than 5 stars)"
Julian
"JoAnn is the absolute best. She walked us through every step of the home buying process. From sending us listings to creating us a calendar for closing, she was always on top of it. Not only that, JoAnn is a kind and honest person. Truly, there is no one else I would want to be my realtor."
Brian & Lindsey
"Nina is an amazing agent. She made us feel at ease throughout the entire process. She was very patient and listened to our needs. She was very knowledgeable with the different neighborhoods which was great, since we were from NY. She found us a perfect home and held our hand from beginning to end. Was very thorough and responsible with paperwork and deadlines. We really felt represented and would … Read Morerecommend her as well as use her in future real estate needs. She is a talent and a hard worker. Positive Experience all around." Read Less
Client