Preparing to buy a home? We encourage buyers to ask prospective lenders these 10 important questions at or prior to mortgage application. (1) What are your qualifying guidelines? Ask about requirements relating to your income, employment, assets, liabilities and credit history. Qualifications for 1st-time homebuyer programs, Veterans Affairs loans and other government-sponsored mortgages are typically less stringent. […]
Suppose you bought a house and later discovered, to your dismay, that the stucco exterior concealed a nasty case of dry rot. Or suppose that when you fired up the furnace in the winter, you discovered a cracked heat exchanger leaking gas into your home. The best way to avoid unpleasant surprises like these is […]
The U.S. Surgeon General recommends that every home tested for Radon. About 1 in 15 homes nationwide has elevated radon levels and require mitigation (these numbers are even higher in Ohio). Radon is listed by the U.S. Environmental Protection Agency (USEPA) as a leading cause of lung cancer, second only to smoking. Radon is a […]
Congratulations! You’ve signed the contract and you’re ready to close on your new home! Knowing what costs are associated with the closing, what to bring, and what documents you should keep from your closing will help ease the process. We’ve provided this information for your convenience. Common Closing Costs for Home Buyers Once your lender […]
Many factors affect the life expectancy of housing components and need to be considered when making replacement decisions, including the quality of the components, the quality of their installation, their level of maintenance, weather and climatic conditions, and intensity of their use. Some components remain functional but become obsolete because of changing styles and tastes […]
For many people, buying their first home is a rite of passage and ownership is part of the American dream. And while many excited hours are spent planning interior color schemes, choosing new furniture and dreaming of moving day, many first-time buyers spend equal amounts of time fretting the home buying process. Let’s face it, if […]
Finding down payment cash is often the biggest challenge to buying a home. Rest assured we have lots of ideas to help you overcome this hurdle. PMI While PMI or Private Mortgage Insurance has pretty much made the traditional 20% down payment a thing of the past, buyers who are able to put more money […]
Think your property tax bill is too high? If so, it might be a good time to check on your assessment! The county assessment is the basis from which property taxes are derived and the groundwork for your tax bill. In Ohio, county auditors are required to do a full, general reappraisal once in every […]
In the United States, most home buyers borrow money in the form of a mortgage loan, and mortgage lenders always requires that the buyer purchase homeowner’s insurance as a condition of the loan, in order to protect the bank if the home were to be destroyed Home insurance, also commonly called hazard insurance, or homeowner’s […]
It’s Sunday morning, you’ve just picked up your Starbucks and are checking out the latest home listings on your favorite mobile real estate search app before you hit the road for a day of open houses. You’re DYIing this real estate thing, and you think you’ve got this covered—after all, thanks today’s real estate consumer search sites […]
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