August 2014

Found 19 blog entries for August 2014.

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Real Estate Auction Sites: Buyers Beware!

So, you are in the market to buy a home and you want to save money by purchasing one off of an online auction site? There are several things to consider before going down that road.

On the surface, the asking price can be very appealing. I’m sure that you’ve heard the old saying, “if it looks too good to be true, then it usually is.”

You may or may not be aware, but many of the homes that are for sale on the auction sites are there simply because they are in such poor condition they couldn’t get sold with the traditional way of a sale.

Many of the homes that you will find on the auction sites have foundation issues, or missing plumbing, electrical issues and so much more! If you do not have a lot of

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Mortgage Rates - What Banks Don't Want You to Know

lower your mortgage rateMortgage rates are always a concern before buying and after having purchased as the great economic wheel turns with its ups and downs. It's important to get the best deal possible in addition to taking the important necessary first step of getting pre-approved before going house hunting.

What about those who have already purchased and not satisfied with their current mortgage rate? Or those that have an ARM wondering about mortgage rate increases? Mortgage rates are low now, but rates may not stay that way if the Government changes its economic policy.

Low Rates for Refinancing and New Mortgages

Many buyers simply don't realize you can put down less than 10% on a home, and there are many types of

1,259 Views, 2 Comments

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Butler County Ohio Real Estate's Face-lift

Butler County Ohio Real EstateThe cities of Middletown and Hamilton Ohio are working on some additional improvements to their respective cities in the form of improving some of their blighted neighborhoods. The Butler County land bank just announced the receipt of $2,000,000 to be used for purchasing and demolishing another 200 blighted properties, approximately 100 houses in each city.

Butler County’s land bank has also received $1.1 million from each of the cities as well. Some of the funds are being siphoned from late payment penalties of real estate taxes. The bulk of the money is being received from the Ohio Housing Finance Agency or OHFA for short.

According to Middletown City Manager, Doug Adkins, the land bank has been nothing

2,028 Views, 4 Comments

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Home Security for Senior Citizens

Home Security for Senior Citizens

Whether you're looking to retire to a small house in the country or a convenient condo in a senior community, as a senior citizen, it's important to take home security seriously. From elderly abuse and neglect to home invasions and burglaries, the increase in elderly home crime is the subject of many of today's local and national news headlines.

Such a case can be seen in a recent home invasion involving a 79-year-old woman in Gallia County, Ohio. According to the WSAZ news report, a man knocked at the elderly victim's door in the late evening hours. When she answered, he claimed he had ran out of gas and asked to use her phone. Out of kindness, the woman opened the door. The man then pushed his way inside and

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Buying a Home - Out of Pocket Expenses

how much money do i need to buy a home?As a professional buyer's agent, I often find myself educating f first time buyers. I take a lot of pride in helping others succeed and this is just another one of my ways of doing so. If you are a first time buyer or even if you've bought a home before, but want to be more comfortable with the buying process this post should enlighten you.

Before I get too far, don't let the title, "professional buyer's agent" scare you. Buyer's agents like myself don't cost buyers but rather save them money and protect buyers' interests. Sellers pay all the brokerage commissions and you are entitled to professional representation. It's silly to contact the listing agent considering they promised to net the highest price

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Buying a Home - Indicators Say Now


Have you ever sat back and thought to yourself, "man, I wished I done that" when you realize a good opportunity has come and gone or felt regret that you didn't act sooner rather than later. Well, the housing market is speaking that now. Would you rather have a mortgage for $900 a month, or $1,200? Even with FHA  low down payment financing, would you rather have a down payment of $5,000 or a down payment  of $6,500?

FICO New Credit Scoring Policy to Help Buyers

NAR President Steve Brown of Dayton, Ohio, says the new credit scoring calculation recently announced by Fair Isaac Corp., or FICO, will improve access to home ownership. "NAR supports efforts to broaden access to credit for qualified

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Home Decor - Faux for Flair

If you've just bought a home, or intending to buy one you can dress the place up with budget friendly Faux finishes and techniques.

Ready to get Creative?

Faux is French for fake, and an illusion that can really take your home decor and designs to a whole new level. Faux techniques range from simple to advanced with many good books on the subject. Faux painting and projects can create subtle or dramatic effects for the mood you want while protecting your wallet.

Places like Home Depot or Lowe's will sometimes offer classes and there's plenty of videos online about it in addition. Doing a little homework and not rushing will ensure you're happy with the results. I do advise happy new faux artists to actually practice the

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Buying a Home: 5 Contract Bloopers

Buying a home realtor tipsWhen you think about buying a car, there's the fun part of looking at and test driving deals on wheels, but when a deal is initially struck, now comes the paperwork and more considerations. You get to make choices.

When you're buying a home, it's significantly different as once you're handed the keys there is no more room for change and no recourse. There's no lemon law for real estate.

Here are some examples of contract bloopers, and why choosing a Realtor carefully is important. As with any profession, you have varying levels of skill, expertise and knowledge. Our Realtors are frequently trained and mentored to continually raise the bar concerning care of clients and satisfaction.

Realtor Tips: Always Get

4,512 Views, 7 Comments

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Returning Jobs Impact on Dayton OH Real Estate

Dayton OH Real Estate - JobsJobs and unemployment play a huge role in the real estate industry, and a personal frustration of mine for years has been all the employment opportunities big companies ship overseas. Along with student loan debt, a crucial equation Realtors and mortgage lenders track is unemployment vs. interest rates and we all hope to not see them rise together. So far, so good. 

Among other positive indicators is an industry employing nearly 10,000 locally in the Dayton-Springfield area is expected to grow by nearly 40% over the next eight years as companies continue to bring jobs back to the U.S. from other countries.

Call centers are now joining the latest companies beginning to "reshore" jobs back to the U.S. and

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Home Staging: The Power of a Package

Would you ever consider trying to sell a house without a "For Sale" sign? Not likely. So, don't sell a house without the staging!

Most Realtors offer the homeowners trying to sell a home a benefits package. By hiring you as their Realtor, the homeowner gets a package deal of great benefits you provide. Ever consider adding home staging to that list of benefits? You should! 95% of ASP staged homes sell on average in 11 days or less and for 17% more than non-staged homes.

Don't underestimate the power of a package! Homeowners who are trying to sell are already overwhelmed when they knock at your door. They have nervously made the decision to make this life-altering leap to sell, pack, move and buy a new home. The

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