Monthly Archives: May 2019

28 05, 2019

Loan Officer Spotlight: Chris Wharton

May 28th, 2019|Uncategorized|

At First Ohio Home Finance, we know that choosing a lender is an important, personal decision. Our team of loan officers are skilled in providing personalized mortgage solutions while providing 5-star service to our customers. We want to give you the opportunity to get to know our amazing team! Chris Wharton is featured in this loan Officer Spotlight. Chris has been a loan officer with First Ohio Home Finance for the last year and a half. Here’s a little snapshot from our interview with Chris for this week’s Loan Officer Spotlight.

Q: What inspired you to become a mortgage loan officer?

A: For the first 12 years of my career I was in the operational side of mortgage lending. I saw the successes and failures of my peers and felt that I could draw on the positives and pitfalls and combine this with my industry knowledge and work ethic to become a more valuable asset to my company and the clients I serve.

Q: What is your favorite part about being a loan officer?

A: Flexibility. I work many hours, but thanks to technology I don’t always have to be tied to my office chair. Combined with a great support staff I’m now able to fit in what I might not have in the past.

Q: What interests you about the mortgage business/industry?

A: Helping assist in home ownership.  Too many folks think it is not an option for them. – not true.  If you want it you can achieve it. Set a budget, set a credit score goal and start today.

Q: How do you ensure excellent customer service for your clients?

A: Know your programs, know your guidelines and if you don’t know to ask.  I’m in my 13th year of mortgage lending and I’m still […]

22 05, 2019

Loan Officer Spotlight: Troy Farrell

May 22nd, 2019|Uncategorized|

At First Ohio Home Finance, we know that choosing a lender is an important, personal decision. Our team of loan officers are skilled in providing personalized mortgage solutions while providing 5-star service to our customers. We want to give you the opportunity to get to know our amazing team! First up is Troy Farrell. Troy has been a loan officer with First Ohio Home Finance since 2016. Here’s a little snapshot from our interview with Troy for this week’s Loan Officer Spotlight.

Q: What inspired you to become a mortgage loan officer?

A: I’ve known the founders at First Ohio Home Finance for a long time. I had been spinning my wheels in my previous career. When the company founders tell you enough times that they think you could be successful doing this job – and knowing how successful they’ve been in doing it – eventually you have to listen, right? I’m glad I finally did.

Q: What is your favorite part about being a loan officer?

A: I love hearing from my clients and the realtors I work with that they were happy with the loan process, the service we provided as a company and the communication and updates I provided along the way. If they’re happy, I’m happy!

Q: What interests you about the mortgage business/industry?

A: There are continual changes in the underwriting guidelines that we have to stay abreast of, and no two loans are alike. It keeps us on our toes!

Q: How do you ensure excellent customer service for your clients?

A: I make myself available to my clients 24/7, and besides regular updates, I tell them that no question is too small or unimportant. I want them to have a thorough understanding of the loan process from start to finish.

Q: Tell […]

13 05, 2019

Buying A Home That Works For You and Your Pets

May 13th, 2019|Buying a home|

Pets aren’t just pets, they’re part of your family. Thinking about what needs your pet has before buying a home can save you from problems in the future. Here are some tips when looking for a home that you and your pet will love.

Choosing A Location

It’s important to think about the safety of your pet when choosing a location. Choosing a home that is on a busy street could be dangerous. Even with a fence, a busy road can still be a problem if they accidentally get loose. It’s a good idea to check out the area to make sure it’s pet-friendly. Ask yourself:

  • Are there pet-friendly parks nearby?
  • Are your neighbors pet owners?
  • Are there veterinarians and groomers nearby?
  • Are there wild animals that could harm your pet?

Check Regulations and Pet Policies

Some homeowner associations (HOAs) will set rules on the type of animals allowed in a neighborhood. Rules could give you a guideline for size, breed, and other specifics. In addition,  there may be a strict number of animals you can have in your home. Don’t ignore these rules and regulations. You may find yourself with an upset neighbor that can report you to the HOA if your pet isn’t permitted. Not following these rules can lead to expensive penalties.

Consider the Home Interior

Another thing you should think about is the inside of the home. If you have a new puppy that isn’t completely potty trained, it might be a good idea to look for wood floors for easier cleanup. If you have an older dog that has trouble getting up the stairs, a one-floor style home might be […]

9 05, 2019

Pros and Cons of Purchasing a Condo

May 9th, 2019|Buying a home|

A condominium or condo can be a great home for younger or older couples that want more room than the average apartment. However, often times there are costs associated when living in a condominium community that homeowners don’t always have to deal with. Before purchasing a condo, you should weigh the pros and cons of living in this kind of community.

Pros of Purchasing a Condo

Amenities

When living in a condo community, you’ll have access to certain amenities like a pool, fitness center, clubhouse, dog park and more. Many communities hold events to help you get to know your neighbors which can be an added perk to condo owners living alone.

Security

Many condo communities are gated and have password locked entries and even cameras for protecting their residents. If you are living alone and concerned about your safety and security, this could be a reassuring matter to ease your mind about break-ins or other security-related risks.

Less Yard Work and Maintenance

One of the biggest benefits of living in a condo is that you are not responsible for yard work such as cutting your lawn, maintaining flower beds, or shoveling snow. If yard work isn’t one of your hobbies or maybe you travel a lot for work, buying a condo could be much more suitable for your lifestyle.  

Cons of Buying a Condo

Homeowners Association Fees

While those luxurious amenities are nice, they don’t come free. When you buy a condo, you essentially become a business partner in that community. You pay a monthly homeowners association (HOA) fee each month, on top of your mortgage, which goes toward the upkeep of the property, as well as future investments such as repaving the parking […]

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