First Ohio Blog2021-09-28T16:49:12+00:00

5 essential home security tips

Home security is an important aspect of home ownership. Most would go to any lengths to safeguard the wellbeing of family members and treasured belongings. Home security doesn’t have to mean living in constant fear of intruders or spending a fortune on high-tech solutions. It can simply be another part of your routine as a homeowner, just like paying your [...]

January 26th, 2023|

Predictions for the 2023 housing market

Between soaring interest rates and low inventory of homes, 2022 was one of the most tumultuous years in memory for the central Ohio housing market. Will 2023 continue the upheaval that started during the pandemic, and what surprises does the new year have in store? Here are some of our predictions for the housing market in 2023. A correction for [...]

January 12th, 2023|

Prepping your home for winter

The cold conditions of winter can take a toll on your home in many ways. From high heating bills to burst pipes and more, winter can be a costly time for homeowners. With a little preparation, you and your family can hunker down through the colder months without worry for your budget or unwanted damage to your house. Use these [...]

December 29th, 2022|

What determines your credit score? Understanding FICO

A good credit score is an important piece of the financial puzzle when applying for a mortgage. Still, many homeowners are in the dark about what factors contribute to this important metric for credit worthiness. Let’s take a moment to discuss the makeup of your credit score and steps you can take to increase this important number before purchasing a [...]

December 14th, 2022|

When to downsize your home

Whether all the kids have moved out or you simply have rooms you aren’t using, it’s possible that your current house is too much home for your needs. Still, it can sometimes be hard to tell when your residence has outgrown its usefulness. Try these tips to help recognize the signs that it’s time to downsize into a smaller home [...]

November 30th, 2022|

What you should know about inheriting a mortgage

Inheriting a home can feel like a major windfall, but also comes with potential red tape. There are taxes to consider, and then there’s the matter of inheriting a home with a remaining mortgage balance. Receiving a home with a standing mortgage shouldn’t be cause for concern. Here are three things you could do if you’ve inherited a home that [...]

November 17th, 2022|

Firefighters can use this program for lower mortgage rates

Firefighters put their lives on the line to protect the public in times of emergency. These brave men and women are among the most selfless of our public servants. For everything they do to serve our community, firefighters in Ohio are eligible to receive a special discounted rate when applying for a home loan. Firefighters and other first responders, members [...]

October 27th, 2022|

Are adjustable-rate mortgages making a comeback?

Fixed rate vs adjustable rate mortgage pros and cons. Potential homebuyers face many challenges in today’s market. With home prices skyrocketing and interest rates on the rise, many are straying from the popular 30-year fixed rate mortgage for the benefits of an adjustable-rate mortgage, or ARM. For buyers in certain financial circumstances, these loans can be an attractive [...]

October 13th, 2022|

Lawn care tips for fall

Summertime is when we make the most of our home’s outdoor spaces. Whether having friends and neighbors over for a cookout or catching some bright summer rays, this is the time of year that homeowners appreciate having a yard to call their own. Though the warmer months may be peak season for enjoying the great outdoors, a great lawn begins [...]

September 29th, 2022|

Is PMI worth it? Costs and Benefits of Mortgage Insurance

Many homebuyers are already familiar with Private Mortgage Insurance (PMI). PMI is a type of insurance on your home loan that is usually put in place when the borrower does not put 20% of the home’s value down at the time of purchase. PMI can also apply when refinancing, if the borrower has not yet accrued 20% of the home’s [...]

September 16th, 2022|