About The Gaylord Group

THE GAYLORD GROUP, c/o Cummings & Co Realtors
Realtor, CPA, CLU, ChFC, CDPE
Cummings & Co Realtors LLC
111 Fulford Avenue
Bel Air, MD  21014
Phone: 410-773-9822
Internet Website:



First-time homebuyers, real estate investors and buyers and sellers of high-end properties alike all turn to The Gaylord Group of Cummings & Co Realtors for trusted real estate advice.

"My clients are purchasing and selling most likely the largest asset in their portfolio – it doesn’t make sense to do it by themselves” says Karen Gaylord, Realtor, a lifetime member of the Harford County Million Dollar Real Estate Association. That holds true for all price ranges; in 2015 the Gaylord Group had listings that ranged from $75,000 to $1.25 million; and in 2018 an average listing sales price of $365,036.

The Gaylord Group includes Karen, who has a financial background as a CPA and VP of broker training at Merrill Lynch, is a self-described “numbers person,” an attribute that appeals to clients with higher-priced listings; Chrise Floyd, who is an expert at finding properties for investors; Jennifer Gaylord, a first time homebuyer specialist and co-owner of J&J Staging; and Jeff Gaylord, a historical property expert.

Karen praises her team for their strengths and constant willingness to educate themselves. Chrise and Jennifer are both Accredited Buyer Representatives. Jennifer is also an Accredited Staging Professional and hold a Master's Degree in Environmental Mangement for Land Use.
“Chrise works with sellerss and buyers, of course, but she has a specialty working with investors, whether for rental properties or a property suitable for flipping” Karen says. “These investors have the formula down pat – they come in and put in a new kitchen and new baths and updates, and they sell. Jennifer also works with buyers and sellers, and is a specialistwith first-time homebuyers and all of the programs and grants available to them. She’s of that age group – she relates to those buyers. She’s awesome.

Although their main office is in Bel Air, The Gaylord Group list and show properties throughout Harford County, Baltimore County, Batimore City, and Cecil County. The fact that Cummings & Co Realtors has 8 offices throughout the Baltimore Metro area makes this possible and seamless.

“Those are the areas we know the best” Karen says. The Gaylord Group lives within Harford County, Baltimore County, and Baltimore City.

They offer clients one-on-one advice through every step of the home buying and selling process. To ensure a seamless path to the settlement table, they’ve forged relationships with home stagers, photographers, home inspectors, lenders and title companies – even carpet installers and painters.

“It’s a great support system” Karen says.

Today’s buyers and sellers are more knowledgeable, thanks to HGTV and websites like Trulia and Zillow. But that information is still no substitute for an experienced agent who really knows the market.

“You can go on Trulia and Zillow and see pictures and price estimates, but that doesn’t tell the real story,” Karen says. “They don’t necessarily reflect the true values of the home.” Her team knows the nuances of a home and neighborhood that don’t show up in computer algorithms. They have a system for getting a house sold which includes guiding clients through issues like pricing, HOA requirements, professional staging and advertising, defining target buyers for listings, expert negotiations, appraisals and generally anticipating and addressing issues ahead of time.

The Gaylord Group's mission statement is "to build a quality, well respected, successful, referral based real estate practice". Karen says, "We are not transaction agents, rather we are “client for life” focused. Our mission is to do such a great job that our clients want to refer us to their family, friends, co-workers after the transaction.” They strive to be their clients’ real estate HUB of information before, during and after the sale. They were pleased to be recently named one of the Top 10 Agents for Client Satisfaction in Maryland by the American Institute of Real Estate Professionals for 2016, 2017, 2018, and 2019. This mission has helped them consistently attain rankings in the top 1% of Realtors in Harford County and top 5% of Realtors in North America.

Karen and her team, not surprisingly, take a team approach, helping sellers understand what they need to do and helping buyers gather information about buying a home.
“We want our clients to feel good about the process, and have enough information to make good informed decisions” Karen says. “It’s all about building relationships and the subsequent referrals, which takes real estate to a whole new level.”
“There is a shortage of good inventory right now, interest rates are low and prices have stabilized. In fact, some price points are rising. They’re starting to go quickly, so it’s a good time to get your house ready to sell, and if you’re a buyer, don’t be afraid to see what you can do,” she says. “I think it’s going
to be a really good spring.”

Among many accolades for her work, Karen was the #1 Long & Foster Agent in Harford County in 2011 & 2012. She served on the Board of Directors for the Harford County Association of Realtors, and on the Board of Governors for the Million Dollar Real Estate Association of Harford County from 2008-2013. Karen was an Athena Award finalist in 2010, and has been featured in Whos' Who of American Women, 2000 Notable American Women and The World's Who's Who of Women. Karen is also a Certified Distressed Property Expert.

Karen is originally from the Mercer County, New Jersey area and has lived in Bel Air, MD since 1995 with her husband and two children.  She personally understands the relocation and transition process . She loves it here! She was born on an Army base in Stuttgart, Germany and her husband works for the Department of Defense at Aberdeen Proving Ground. She is a proud daughter of a veteran of both the Army and the Navy!

Short Sales, Foreclosures and Distressed Properties
"In some areas it is estimated that 1 out of 10 homes are at some stage of the foreclosure process". Unfortunately, with the current state of the real estate and financial market, this is a reality for a staggering number of people. I have been certified as a CDPE, Certified Distressed Property Expert, through the Distressed Property Institute, LLC. I can help you if you have questions about short sales or if you are in the market to purchase a distressed property.

New Construction
A part of my practice is dedicated to new construction in the county. I know the builders, and they know me! I recently built a new home in Harford County so I understand the process first hand. Most buyers do not realize that they can have a Realtor represent them when purchasing new construction. A good buyers agent, who specializes in representing buyers with new construction purchases, can assist you with price negotiations, contractual support, providing pictures to you during the construction process, providing an outside inspector for the pre-drywall inspection, providing an outside inspector for the final inspection, an intermediary between buyer and builder, interfacing with relocation companies (if applicable), final walk through support and assistance, and settlement support and assistance. Call me if you would like some additional information.

Would you like listings EMAILED to you daily?
Try the Homes Prospector tool on this site. It is easy, and new listings matching your search criteria will be automatically emailed to you everyday. If you would prefer me to set it up, just call us!


THE GAYLORD GROUP, c/o Cummings & Co Realtors
Realtor, CPA, CLU, ChFC, CDPE

111 Fulford Avenue
Bel Air, MD  21014
Office: 410-773-9822