About Greene County, OH

• Thursday, 10/29 10:00 pm - W.O. Wrights Pub, 3979 Colonel Glenn Hwy. Beavercreek OH 45324 Karaoke, costume contest with prizes and $4 pitchers. 10 p.m. 18 and up welcome. No cover.
• Thursday, 10/29 9:00 pm - Adobe Gila's 78 Plum St. Beavercreek OH 45440 Three days of tricks and treats! Thursday is DJ ANT plus $2 bottles, and a costume contest. No cover.
• Thursday, 10/29 10:00 pm - Milano's 1834 Brown St. Dayton OH 45409 Night of Mayhem at Milano's: Live music from Farewell Fischer, apple bobbing and a costume party with $50 Visa Card for three best costumes judged as scariest, funniest, sexiest. 21 and up only. No cover.
• Dayton's BIGGEST Halloween Event - HauntFest on Fifth WHERE: Oregon Historic District, along Fifth Street, between Patterson Blvd and Wayne Ave WHEN: 7 p.m. to 1 a.m. Saturday, Oct. 31 COST: Admission is $5 at the door. Advance tickets can be purchased at participating Oregon District businesses

Things to consider when Buying your First Home

1. Your Budget and Financial Picture. Buying a home can be a good financial investment and will likely be your largest asset in the future. There are also great tax benefits to enjoy while you own your home. Use this calculator to see how much you can afford http://lauriescalf.point2agent.com/Calculators/page_163210.html

2. Get professionals. Ask family and friends about professionals that they know and trust.

You will need a knowledgeable REALTOR agent. A real estate professional will really help you with the entire process. They know the area market and will be a great resource of information. Commissions are generally paid by the Seller, so having an agent represent you is a wise decision.

You will also need a lender you can trust. Getting preapproved for a mortgage is your first step to home ownership. I would recommend getting referrals for at least 2 mortgage professionals and get quotes to consider your closing costs and interest rates. A reliable lender will provide you with a “Good Faith Estimate” of all the costs involved and an estimated payment. Most importantly, you will know how much you can afford.

A Home Inspector will be very valuable to you during this time. You will have the opportunity to have your home inspected for any major defects or safety issues. The price of a home inspection is minimal compared to the cost of many big ticket repairs that you would otherwise get stuck with.

3. Consider your Neighborhood Carefully. Lots of things make a neighborhood attractive. Schools, attractions, services, crime rates, taxes are among a few. Even if you do not have school age children, you should consider the school district in your decision because the value of your home depends greatly on future buyers and what is important to them.

Look where values are increasing. Your agent can add a lot of information with comparing market prices in various neighborhoods.

Check zoning around your home. A hopping new club next door may not do a lot for the future value of your home.

For more information on buying a home click here. http://lauriescalf.point2agent.com/Buying/page_163205.html

Is it Time to Buy your First Home?

There are many factors that should be considered when making the decision to buy a home or continue to rent.

1. Do you plan to stay in the area for at least 3 to 4 years? In most real estate markets it doesn’t make sense to buy a home that you will own for less than that. With the transaction costs of buying and selling you could lose money. If you stay less than 2 years, even if you make money, you will have to pay capital gains tax on any money that you make.
2. What is the cost of renting vs. buying in your area? In some areas, owning a home costs little more than renting. Beyond your mortgage payment, you have to also consider the costs of home ownership. Taxes, assessments, utilities, lawn care, maintenance, cost of maintaining appliances and repairs.
3. It’s all in your Budget! Before making the decision to buy a home, you must first look closely at your finances. Most lenders do not let you commit more than 28% of your gross income to the total of your mortgage, taxes and insurance. This combined with your total debt (cars, credit cards, student loans, etc.) not to exceed 36% of your gross earnings.
4. The Money needed to buy a home. Besides your down payment, as little as 3.5% with an FHA loan, you will need money for inspections and closing costs. A whole house inspection averages around $300 in this area, with additional inspections, such as radon, termite and chimney the total is upwards of $500. There are also moving costs. Consider all of these costs when making your decision.

Click this link to use my mortgage calculator and to get more information on what you can afford.

http://lauriescalf.point2agent.com/Calculators/page_163210.html

Beavercreek Home Sale Prices are Increasing!

4/19/09 - 10/19/09 The average sale price of a single family home in Beavercreek was $211,476.

10/19/08 - 4/19/09 The average sale price of a single family home in Beavercreek was $203,263.

P.S. Ask about the FREE Sale GUARANTEE Plan and FREE Job Loss Mortgage Payment Coverage.

Christina Asad Edwards

Realtor, RRS, eAgent, Recruitment/Development Manager

Christina.Asad@RealLiving.com

Office 937-573-0082

Cell/Text 937-205-4741

www.DaytonOhioHouse.com

Real Living Realty Services

One of the fastest-growing real estate franchisors in the nation.

Go to a free Ohio festival on Saturday, September 26th at noon. The Fall Family Festival is held at Five Seasons Country Club, 4425 Possum Run Road in Dayton, Ohio near Bellbrook, Ohio. There will be kids games, hayrides, and a pumpkin patch. Each child is limited to one FREE pumpkin while supplies last. For more information visit http://www.5sscday.com/images/fall09calendar.pdf .