Tag Archives: Montgomery County Ohio

Ohio April Market Report

The April Market Report in Ohio for single family, residential homes in Montgomery, Greene, and Warren counties near Wright Patterson Air Force Base shows homes sold a significantly higher price versus the same time frame a year ago. The average sale price / listing price is 95%, which is lower than the Home Experts Realty average. The average days on market in April 2012 is 142. The statistics show that Home Experts Realty sells homes for more money, resulting in more money in the pockets of the sellers represented.  The market report is also a sign now’s the time to buy before prices sky rocket!

APRIL 2012

  • Homes Sold – 414
  • Average Bedrooms – 3
  • Average Square Footage – 1,802
  • Average Listing Price – $133,488
  • Average Selling Price – $127,307 (95% sale price/listing price)
  • Average Days on Market – 142  

APRIL 2011

  • Homes Sold – 455
  • Average Bedrooms – 3
  • Average Square Footage – 1,701 
  • Average Listing Price – $117,896
  • Average Selling Price – $110,904 (94% sale price/listing price)
  • Average Days on Market – 99

7 Steps To Take Before Home Buying

7 Steps To Take Before Home Buying

Be informed and confident in the home buying process by following these easy steps to take before home buying. Most potential homebuyers are a smidge daunted by the fact that they’re about to agree to a hefty mortgage that they’ll be paying for the next few decades. The best way to relieve that anxiety is to be confident you’re purchasing the best home at a price you can afford with the most favorable financing. These seven steps will help you make smart decisions about your biggest purchase.

1. Decide how much home you can afford

Generally, you can afford a home priced 2 to 3 times your gross income. Remember to consider costs every homeowner must cover: property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care if you plan to have children.

2. Develop your home wish list

Be honest about which features you must have and which you’d like to have. Handicap accessibility for an aging parent or special needs child is a must. Granite countertops and stainless steel appliances are in the bonus category. Come up with your top-five must-haves and top-five wants to help you focus your search and make a logical, rather than emotional, choice when home shopping.

3. Select where you want to live

Make a list of your top-five community priorities, such as commute time, schools, and recreational facilities. Ask your REALTOR® to help you identify three to four target neighborhoods based on your priorities.

4. Start saving

Have you saved enough money to qualify for a mortgage and cover your downpayment? Ideally, you should have 20% of the purchase price set aside for a downpayment, but some lenders allow as little as 5% down. A small downpayment preserves your savings for emergencies.

However, the lower your downpayment, the higher the loan amount you’ll need to qualify for, and if you still qualify, the higher your monthly payment. Your downpayment size can also influence your interest rate and the type of loan you can get.

Finally, if your downpayment is less than 20%, you’ll be required to purchase private mortgage insurance. Depending on the size of your loan, PMI can add hundreds to your monthly payment. Check with your state and local government for mortgage and downpayment assistance programs for first-time buyers.

5. Ask about all the costs before you sign

A downpayment is just one homebuying cost. Your REALTOR® can tell you what other costs buyers commonly pay in your area—including home inspections, attorneys’ fees, and transfer fees of 2% to 7% of the home price. Tally up the extras you’ll also want to buy after you move-in, such as window coverings and patio furniture for your new yard.

6. Get your credit in order

A credit report details your borrowing history, including any late payments and bad debts, and typically includes a credit score. Lenders lean heavily on your credit report and credit score in determining whether, how much, and at what interest rate to lend for a home. Most require a minimum credit score of 620 for a home mortgage.

You’re entitled to free copies of your credit reports annually from the major credit bureaus: Equifax, Experian, and TransUnion. Order and then pore over them to ensure the information is accurate, and try to correct any errors before you buy. If your credit score isn’t up to snuff, the easiest ways to improve it are to pay every bill on time and pay down high credit card debt.

7. Get prequalified

Meet with a lender to get a prequalification letter that says how much house you’re qualified to buy. Start gathering the paperwork your lender says it needs. Most want to see W-2 forms verifying your employment and income, copies of pay stubs, and two to four months of banking statements.

If you’re self-employed, you’ll need your current profit and loss statement, a current balance sheet, and personal and business income tax returns for the previous two years.

Consider your financing options. The longer the loan, the smaller your monthly payment. Fixed-rate mortgages offer payment certainty; an adjustable-rate mortgage offers a lower monthly payment. However, an adjustable-rate mortgage may adjust dramatically. Be sure to calculate your affordability at both the lowest and highest possible ARM rate.

Read more: http://buyandsell.houselogic.com/articles/7-steps-take-you-buy-home/#ixzz1nsyRFxHv

Kettering Weekend Event

K of C Fish Fry and Monte Carlo

Saturday, Feb 4 7:00p
at The Christopher ClubKetteringOH

Fish Fry at the Christopher Club 3150 S Dixie Dr. Kettering/Moraine. All you can eat fish, saugage and sides. Beer and pop included. Monte Carlo games begin at 8:00pm. Doors open at 7:00pm Carryouts from 5:30pm-6:30pm for $10.00. Help support the Knights of Columbus Maria Joseph council 4022.

Enjoy the Superbowl at Home with Crowd Pleasing Recipe!

Enjoy the Superbowl at Home with Crowd Pleasing Recipe!

Crowd Pleasing Buffalo Chicken Dip Recipe

INGREDIENTS:

8 oz. pkg. cream cheese (or neufchatel to save calories), softened

1/2 cup blue cheese or ranch salad dressing

1/2 cup hot sauce

1/2 cup crumbled blue cheese or shredded mozzarella cheese

2 cans (12.5 oz. each) White Chunk Chicken Breast in Water, drained

DIRECTIONS:

Mix all ingredients together.

Microwave 5 minutes, stiring halfway through.

Serve with celery and tortilla chips.

Enjoy the Superbowl at home with the buffalo chicken dip recipe!

 

Ohio Miami Valley Restaurant Association Sneak Peek to Restaurant Week

Ohio Miami Valley Restaurant Association Sneak Peek to Restaurant Week

The Ohio Miami Valley Restaurant Association Sneak Peek to Restaurant Week will be held from 5:30 to 8:30 p.m. Wednesday, January 18, at Watson’s, 2590 E. Whipp Rd. Centerville, OH. The event will feature food samples from 13 local restaurants that will be among Dayton area eateries participating in Winter Restaurant Week January 22 – 29, in which restaurants offer special three-course meals for either $20.12, $25.12, or $30.12, and donate $1 toward a local charities. The Sneak Peek, presented by Buckeye Vodka, will also include live music from Skip Hoyt, who performs Jimmy Buffet-style music, and tropical attire is encouraged. Restaurants serving at the Sneak Peek will include Amelia’s Bistro, Barleycorn’s, Coco’s Bistro, D’Lish, The Dock, Figlio, Fleming’s, Fresco, Joya’s Bistro, Louisiana Grill, Mamma DiSalvo’s, Meadowlark and Taste. Tickets are $25 in advance, $30 at the door, and are available online at www.DineOutDayton.org and may be purchased in person at Watson’s and at Day-Air Credit Union locations in Centerville, Kettering, and Vandalia.

 

7 Home Improvement Projects for $1,000 (or Less)

Show Your Home Pride: 7 Home Improvement Projects for $1,000 (or Less)

By: Lisa Kaplan Gordon

Published: November 1, 2011 http://www.HouseLogic.com 

Americans still think buying a home is one of the best decisions they’ve ever made. Here are some ways to increase your home’s value and comfort for less than $1,000.

 

We knew reports of the death of American home ownership were greatly exaggerated (nod to Mark Twain), and now we’ve got the numbers to prove it.

A just-released survey by the Meredith Corp., which publishes Better Homes and Gardens magazine, says the vast majority of people polled believe owning a home is a smart financial move and a source of pride.

Here are some results of the 2,500 people surveyed online:

  • 86% of home owners still feel owning a home is a good investment.  
  • 85% feel “owning a home is one of their proudest accomplishments.”
  • 69% of Americans who don’t currently own a home agree with the statement, “No matter what happens in the U.S. housing market, owning a home is still an important goal in my life.”
  • 68% of Americans plan to spend money on their homes in the next six months, with roughly half (49%) expecting to pay up to $1,000.

A thousand bucks may not seem like a lot, but it goes long way toward improving the value and comfort of your home. Here are some projects we recommend:

1. Add a new entry door. Spruce up your curb appeal and save energy by upgrading yourexterior door. Steel doors, which can mimic many types of wood, typically run for $400 at big-box stores and offer the strongest barrier against intruders.

2. Get organized. Decluttering and maximizing storage space are inexpensive ways to transform a home. Add space to kids’ rooms by installing platform or bunk beds ($400-$600); neaten piles of shoes with shoe organizers ($20), which can do double duty as catch-all organizers in family room closets and kitchen pantries; extend bookshelves to the ceiling, creating storage in otherwise dead space.

3. Save with a programmable thermostat. Switching from a manual to a programmable thermostat (less than $500) can save you up to $180 a year in energy costs. The latest models offer remote programming via the Internet.

4. Replace cabinet hardware. If you’ve got traditional knobs and pulls, try contemporary; change from staid to whimsical. Big-box retailers often have huge selections for budget prices. (10-pack for $20).

5. Update bathroom flooring. Give bathrooms a quick facelift by replacing old tile with vinyl flooring or ceramic tile, which can cost as little as $3 per square foot for material and installation.

6. Create luxury with a shower panel. Turn you bathroom into a spa with a  programmable shower panel with adjustable spray jets, fog-free mirror, and multifunctional shower head. Most systems easily attach to existing plumbing. Panels typically sell for $360.

7. Turn a mudroom into a garden room. Bring nature inside by recasting your drab mudroom into a flower-filled garden room. (If you already have a utility sink, you’re halfway there. If not, it will cost you $200 to $350 to tap into existing, nearby plumbing, and $80 for a plastic tub.) Repurpose an old wood table into a potting bench. And hang your basket collection from J-hooks attached to a forged iron curtain rod ($100).

Ice Skate in Downtown Dayton

Ice Skate in Downtown Dayton

Friday, Dec 16 7:00p

at RiverScape MetroParkDaytonOH
Price: $5
 

What better way to spend a Friday or Saturday night than by skating near the river, under a beautifully lit canopy. Enjoy the evening drinking hot chocolate, warming up by the outdoor fireplaces and taking in the sights and sounds of downtown! Bring family, friends or go solo to skate MetroParks Ice Rink. Admission is $5 and includes the use of ice skates. Call (937) 278-2607 for more information. Fees: $5