Most home buyers and sellers work with a real estate agent, and the agent charges a commission. How much is the commission, and who pays it? The answer in both cases is: the terms are set in the listing contract the seller signs. Typically the buyer and the seller each have their own agent, and the […]
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 […]
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 […]
Congratulations Bride and/or Groom To Be! If you’re planning to get married and buy a home in Central Ohio, but wonder where your down payment funds will come from… FHA might have a solution for you! FHA has a Bridal Registry program that allows the money you receive as a wedding gift to be used towards […]
So you’ve just discovered errors in one or more of your credit reports, or even worse, accurate references to late payments or other debt-related issues! Don’t panic, the errors can be fixed, and it’s possible that even some of the negative items can be eliminated! An individual’s credit score is one of the most influential […]
They’re landing better jobs and higher salaries. They’re getting married and having kids. And some are just tired of living in their parents’ basements. Now, here’s another reason Millennials are itching to buy a house: They see photos of homes on Instagram and Facebook that their friends bought, and think: “What about me”? This “FOMO” — fear […]
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