Seller financing can be very beneficial for both the seller and buyer. If a buyer can not obtain a loan, seller financing can enable them time to rebuild their credit, or time to sell their old house and clear their old mortgage so they can get a new one. Sellers benefit because as the lender they can charge interest on the loan they are making to the buyers.

However seller financing comes with some serious risks.  Even though the buyer makes their payments to the seller, if the seller does not pay their mortgage the buyer could loose the house if the seller is foreclosed on by the bank. Since the seller is the lender, if the buyer decides not to make payments the seller can not just evict them. They may have to go through a foreclosure procedure which is time, labor, and dollar intensive compared to an eviction.

If you are considering seller financing, either as  buyer or as a seller, it is important to talk with a real estate professional so you can understand the risks and benefits to you and the other party. If you have additional questions contact Alison and Brett!

1. If you door binds in the upper far corner, replace the screws in the upper hinge with longer screws that go through the jamb an into the stud. They will support the weight of the door better and hold alignment.
2. If you have to lean on the door to get it to latch, first look at the door. If it is tilted try replacing the hinge screws in the top hinge. If the door looks level then adjust the strike plat by unscrewing it and moving it away from the jamb so the door latches easier.
3. If the door squeaks when it opens and closes listen to the hinges closely.  Spray only the squeaky hinge with some lubricant like WD-40. Remember to hold a paper towel underneath the hinge since it will drip.
4. Finally if the door keeps hitting the wall you need a door stop. You can get stops that affix to the wall, the door, or even hinge mounted door stops.

Welcome home! This great condo is much bigger on the inside than you would think. Upon entering the condo, you are immediately greeted by a dramatic split staircase. Upstairs, you will find two generously sized bedrooms, a recently remodeled full bath, and a cozy loft.

On the main level, you will find a lovely kitchen with a cozy breakfast nook, a half bath and a formal dining room. This is also where you’ll find one of the home’s most impressive features – the majestic two story great room. Travel through the great room, and you will find a great place for relaxation – the large, new 3 season room. This stunning room overlooks a nice deck and one of the complex’s largest and loveliest back yards. Downstairs, you will find a large professionally finished basement with a wet bar and newer full bathroom. A great space for entertaining guests! This condo has room to spare and is a great place to call home!

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The PMI deduction, through 2011, was available only for mortgages originated on or after January 1, 2007 and for taxpayers with an Adjusted Gross Income (AGI) of under $100,000 (or $50,000 for married couples filing separately). Thus, a limited number of individuals actually claimed the PMI deduction on their taxes each year.

The reality is that if you file your own taxes make sure that you pay attention to the mortgage insurance item when calculating your deductions.  Miscalculating your taxes will cost you more than the PMI deduction saved.

This Deer Park cape cod is a great buy. The exterior has been well maintained and is charming to look at. It sits on a flat, level lot with a fenced in back yard and a detached 1 car garage. The location is incredibly convenient – walking distance to Dillonvale shopping center. However, despite the convenient location, the cul de sac street provides plenty of peace and quiet away from the rest of the world. Inside this home, you’ll find brand new paint and carpet throughout. The first floor boasts two bedrooms, two full bathrooms, a kitchen, a dining room, and a large family room. The upstairs is a private master retreat with a spacious bedroom and one bathroom. There’s plenty of room in the basement, as well. Great condition!

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This Deer Park ranch has room to spare! Outside, you’ll find a large, flat yard in an extremely convenient location walking distance to Dillonvale Shopping Center. Inside, you’ll find plenty of other reasons to love this house. The large, open family room is the center point of this house. It has plenty of windows, a fireplace, and space to spread out. On one end, the family room connects to the open dining room. On the other, it offers a walk out to the cozy three season room – a perfect place for relaxing. The spacious kitchen boasts a newer range and stove. All three bedrooms are nicely sized and have plenty of closet space. Downstairs, you’ll see so many possibilities for this large basement. This home has new paint and carpet throughout, and is a steal at this price. House is being sold as-is.

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Secrets to Buying a Home

1. Know what you want, and what you don’t want. Being able to tell your Real Estate Agent what you want is important. Equally important is what you don’t want. It helps them narrow your search.
2. Make list of ranked priorities. Decided on what is most important to you; location, school district, space, floor-plan, price … In some cases you may have to compromise to get the best house for you.
3. Think of real estate as an investment. Look at your real estate as an investment, something that you will invest in over the years, and eventually want to sell. Think about potential improvements and renovations with an eye to how long you will be in the home and how the next buyer will perceive the improvements.
4. Have both patience and a sense of urgency. It seems like those are conflicting ideas, but in real estate you have to be patient to wait for the right house to come on the market, and then be willing to move quickly to secure it.
5. Hire a great Real Estate Agent: You have to have a great Realtor that you trust and have great communication with. Make sure that they understand your needs and are receptive to your comments. Hunting for a house is a partnership, so hire a great partner. If you are looking for a home in the Cincinnati area please contact us!

5 bedroom Mason beauty! This home will impress you from your first step in the door. Gleaming hardwoods lead you to a spacious dining room with plenty of room for entertaining guests. You’ll enjoy cooking meals in the open kitchen which opens up to a big breakfast room with views of the fenced in yard. The first floor also boasts a study or fifth bedroom, and a nicely sized living room. The majestic two story great room will take your breath away with its wall of windows, gas burning fireplace, and open staircase. Upstairs, you will find an open loft and four generously sized bedrooms. The master suite is a luxurious retreat that any buyer will appreciate. This room boasts a vaulted ceiling, oversized walk-in closet, and a large, well appointed master bath. This beautiful home also has a full, finished basement! In it, you’ll find a recreation room, a wet bar, and a theatre room or study. This home has been freshly painted, and is in great shape. Just move right in and enjoy!

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Great opportunity in Wyoming schools! This mid century modern home is situated on a picturesque 1.4 acre lot in an established neighborhood. The house has 4 bedrooms and 2 ½ baths, and is mid century style through and through. The vaulted great room walks out to the beautiful yard. The house is being sold as-is. Bring your own personal touches to polish this gem to a shine and turn it into your dream home. Or, at this price, it’s a great opportunity to tear down and build on an outstanding lot.

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