Published on July 7, 2014
Get Free money-saving home tips at our web site: http://ColumbusHomeScout.com Insite Bank Top 20 OFHA Lender In 2014 Are you ready to open the door to a home of your own? The Ohio Housing Finance Agency’s (OHFA) First -Time Homebuyer program can help. OHFA’s competitive interest rates and mortgage options for 30- year, fixed-rate mortgage loans make it affordable for qualifying buyers to realize the dream of homeownership. Eligibility Applicants for the First-Time Homebuyer program must meet OHFA income limits, and properties must meet purchase price limits. To qualify for OHFA’s First -Time Homebuyer program, you must meet at least one of the following criteria: Have never owned real estate Have not owned or had an ownership interest in your principal residence in the last three years Be a qualified military veteran Purchase a home in a target area Program Options To meet each homebuyer’s needs, OHFA offers several different loan products through the First-Time Homebuyer program. OHFA’s loan products include: Target Area Loan product Ohio Heroes product Down Payment Assistance product (2.5%) Grants for Grads product New Home Sweet Home product Mortgage Credit Certificate product Have A Laugh… An elderly man had hearing problems for years. He went to a doctor who fit him with hearing aids that allowed him to hear 100%. When the man went back to see the doctor a month later, the doctor said, “Your hearing is perfect. Your family must be pleased that you can hear again.” The man replied, “Oh, I haven’t told my family yet. I just sit around and listen to the conversations. I’ve changed my will three times!” Full Body Workout At Home You don’t need expensive gym memberships and equipment to get an effective workout. Here are three exercises you can do almost anywhere: Exercise #1: For a cardio burst (increased heart rate while also strengthening your legs and back). Start in a squat position, arms bent in front of you, and then jump up, rotating your body 180 degrees to the right and land in a squat. Repeat, rotating to the left. Going to the right and then the left is one rep. Try 10 reps in a row. If turning is too challenging: Do the squat jumps in place and skip the rotation. Exercise #2: For tightening your stomach and abs. Lie down on your back with both hands behind your head. Crunch up so your shoulders are off the ground. Cross your ankles, then lift your legs and try to touch your knees to your elbows. Lower your legs d own slowly. Try 15 reps or until you can’t do any more. To make it less intense: Sit with your legs stretched in front of you. Bend your knees, lift your legs, then lower your legs slowly. Exercise #3: For strong shoulders, chest, and back. Do a pushup, but pause at the top and put your weight on your left arm, then extend your right arm out. Hold for a second, then lower your right arm back to the floor. Repeat the pushup and raise your left arm. Alternate arms and do 10 reps for each side. To make it easier: Do a modified pushup on your knees . Go slowly and gradually build your fitness level. If you have an injury or medical condition, talk to your doctor or a physical therapist about designing a fitness program that’s right for you. Real Estate Corner… Q. I just took my home off the market because it didn’t sell. What can I do now to try to sell it again? A. The bi ggest things to consider are the home’s price and its condition. You may have set the price too high, keeping buyers and real estate agents away. If you lowered your price in increments, it may have been too late since it was already viewed as an “overpriced” home. Also, look at your home’s condition from a buyer’s perspective. Is there more you can do to make it stand out from other homes for sale? It may be time to hire not just a REALTOR ® , but a Home Marketing Expert. This is an agent who understands your needs and can use their expertise to re-evaluate the price plus share easy ways to make your home appear more attractive to buyers. To learn more about how to sell your home quickly, call and ask for our Free Consumer Report called “4 Tips To Guarantee Your Home Sells The Second Time.” We’ll send a copy right over to you. Do you have a real estate question you want answered? Feel free to call us at 614.733.9392. Perhaps we ’ll feature it in our next issue!