How To Buy A Home in 2016

2016p1

How To Buy A Home in 2016 – The new year is finally here! Are you planning on buying a home this year?  In addition to the tips and tricks that will help you get into your new home, there are also a number of things to keep in mind before you begin the process. Here are five things to remember throughout your search for a new home in 2016.

Choose the Right Agent

Having the right agent will help you in numerous ways. He or she will be able to help you identify things that are must-haves in your new home, and will do everything in his or her power to make sure those must-haves are obtained. Your agent will also have incredible knowledge about the homes in the area, providing you with the best resources for what to look for.

Where to Search

In addition to consulting with the proper agent, you can also check out websites like Zillow and Trulia. If you find something up your alley, talk to your agent about what you like and don’t like about the home. They will be able to take that knowledge, in addition to their knowledge of the market and community, and find the home that best suites you.

Save For A Down Payment

Saving for a down payment is one of the most important steps in the home-buying process. You may need to save between 10 – 20% of the cost of the home you’re trying to buy, depending on the type of loan you’re looking for. Knowing what you have saved and what type of home you’re looking for will also play a big factor when determining your budget.

Look For The Right Loan

Looking for the loan that works best for you and your family can become stressful, but be confident in knowing that you have plenty of resources to help you make an informed decision. Whether you choose to have a 30-year or 15-year mortgage, a fixed-interest or split, make sure to do your research thoroughly to determine which option is best for you.

Choose The Right Home

When you finally find the home you love, you will know. Whether it’s move in ready or you need to put some elbow grease into it, it will be worth it. Not only will you feel emotionally satisfied by your choice, but you will feel financially comfortable in your decision.

For more information about buying a home in 2016, visit here.

 

Things to do in Perrysburg, Ohio – January, 2016

Screen Shot 2015-12-03 at 1.31.05 PM

Things to do in Perrysburg, Ohio – January, 2016 – Just because the weather is getting colder does not mean that you should stay indoors all day.  Check out these fun and interesting things to do in Perrysburg, Ohio during the month of January.

Mythbusters: The Explosive Exhibition in Toledo

Location: Imagination Station

Date: January 1 – 3, 5 – 10

Admission: $12.50 – $20.50

If you haven’t had a chance to check out the show at the Imagination Station in Toledo, now’s your chance to explore the scientific way to de-bunk the most popular myths!

 

ZUMBA!

Location: Mercy Weight Management

Date: January 6

Admission: $5

Kick of your New Year’s Resolutions with a trip to Mercy Weight Management for one of the best Zumba classes in the area!

 

Salsa Thursday!

Location: Blue Iguana

Date: January 7

Admission: Free

Spend your Thursday evening learning how to dance the Salsa. The night will fly by as you salsa to the beat of the music!
The Jill Jack Birthday Bash in Ann Arbor

Location: The Ark

Date: January 9

Admission: $20

Gather a group of girl friends and head out to the Ark for a musical evening filled with beautiful sounds and an even better performance.

 

5th Annual S.O.A.P. up Detroit Auto Show in Romulus

Location: Romulus Athletic Center

Date: January 9

Admission: $10

Whether you’re into cars or not, you don’t want to miss the Detroit Auto Show. This year’s event will be one for the books, as the proceeds will benefit S.O.A.P. (Save Our Adolescents from Prostitution).

Things To Do In Perrysburg, Ohio – November, 2015

Screen Shot 2015-10-28 at 3.06.18 PM

Things To Do In Perrysburg, Ohio – November, 2015 – There are many things to do in Perrysburg, Ohio during the month of November. From the Toledo zoo to botanical gardens there is something for everyone this month. Here are 5 things to do in Perrysburg, Ohio during the month of November.

 

1. Free showing of “The Soloist”

Date: November 5, 2015

Location: Way Public Library 101 E. Indiana Ave Perrysburg, OH 43551

Catch a free showing of the famed movie, The Soloist at the Way Public Library. This emotional tale is the true story of LA Times writer Steve Lopez as he created a deep and moving friendship with homeless musician, Nathaniel Ayers. Bring your family and the tissues for this movie.

2. Visit the luxurious Hollywood Casino!

Date: Sun-Sat

Location: 1968 Miami St, Toledo, OH 43605

Add winnings to your days and electrify your nights with live entertainment. Hollywood Casino is a smoke-free facility that offers valet parking, big-time games, incredible restaurants, and fabulous promotions

 

3. Walter Lewis presents “Down to the Sea in Boats: The Great Lakes and the Great War.”

Date: November 18, 2015 – 7:00 PM

Location: National Museum of the Great Lakes

Thought you knew everything about the Great Lakes? Join Historian Walter Lewis and the great Lakes Historical Society for a lecture on local nautical history!

 

4. Toledo Zoo: Lights before Christmas!

Date: November 13, 2015 – January 3, 2016

Location: Toledo Zoo: 2700 Broadway Toledo, Ohio 43609

Experience a 30-year tradition of lights at the Toledo Zoo! Bring your whole family as the zoo lights up for a magical experience.

 

5. Toledo Botanical Garden: Weed and Wine

Date: November 18, 2015 6:00 pm – 8:00 pm

Location: 5403 Elmer Drive Toledo, Ohio

Join us for a relaxing evening of light garden work, followed by a good wine and great conversation. Bring your own gloves. Tools and wine provided.

5 Money Saving Tips for First Time Home Buyers

pam1

Buying your first home requires a ton of research and careful planning. Let’s face it, you’ve never done this before, so money is probably the first thing on your mind – it is a huge expense; however, it’s incredibly rewarding to become a homeowner for the first time. Here are 5 tips for first time home buyers to save some money throughout the process.

Pay for an Inspection

At first glance you might think that this is an added expense that you can skip – wrong. If something is wrong with your potential new home, hiring a professional to conduct an inspection before you sign any papers can save you money in the long run.

Choose the Right Mortgage

This can be tricky, a 30-year mortgage might appear to be the best option at the beginning, but if you go with a 15-year mortgage right from the beginning, you will end up paying less in interest fees overall. Do your research to figure out what works best for you, but don’t forget about interest rates!

Negotiate Closing Costs

These costs typically account or 1-8% of the purchase price, so don’t be afraid to negotiate this added expense.

 

Bundle Cable/Internet/Phone

Cable, internet and phone are things that most people see as a necessity, so when you are moving into your new space, consider bundling these services to provide you with the most possible savings.

Consult a Professional

A local real estate agent is one expense that will actually save you time and money. He/she will act as a resource and provide you with the right type of guidance to get the most bang for your buck.

To learn more about money saving tips for first time home buyers, visit here.

Ohio State Fair Musical Guests

4.1_BPamStrassner

Ohio State Fair Musical Guests

The Ohio State Fair season is just around the corner!

The full concert lineup will run from July 29-August 9 this year and will include big acts such as Reba McEntire, Meghan Trainor, Patti Labelle, and Jake Owen.

Other acts will include Alabama, Peter Frampton, Cheap Trick, Blackstreet, Dru Hill, Chris Tomlin, Great White, Deep Purple, plus more!

Ticket prices range from $20-$60 and if purchased in advance, will include standard fair admission.

Check out these dates below:

Reba

Wednesday July 29

7pm

$40, $50, $60

Patti Labelle

Friday July 31

7pm

$32

Jake Own with Josh Dorr

Saturday August 1

7pm

$30

All Ohio State Fair Band & Youth Choir Concert

Sunday August 2

1pm

FREE

Meghan Trainor

Sunday Sunday 2

7:30pm

$32

Chris Tomlin

Monday August 3

7pm

$23

“Let’s Hang On” – Frankie Valli Tribute

Tuesday August 4

1pm

FREE

Alabama

Tuesday August 4

7:30pm

$38

Deep Purple with Nazareth

Wednesday August 5

7pm

$30

Hairapalooza with Great White, Vixen, & Lynch Mob

Thursday August 6

7pm

$20

Blackstreet & Dru Hill

Friday August 7

8pm

$28

Peter Frampton & Cheap Trick

Saturday August 8

7pm

$28

How will you be spending your time at the Ohio State Fair? Let us know in the comments below!

Things to do in Perrysburg, Ohio – March

12.21_Banner

Things to do in Perrysburg, Ohio – March

There are so many things going on in and around Perrysburg this month, you won’t know where to start. Whether you’re looking for things to occupy the kids or you’re interested in finding a unique date night idea, you can find it here. Here are five things to do in Perrysburg this month.

Guitar: Interactive Exhibition

When: March 1

Admission: Free to attend

This guitar exhibition will be comprised of three elements: the science of sound; the evolution, engineering, and design of the guitar; and its cultural impact. This interactive exhibition allows you to go through hands on interactives, models, touchscreens, performance video, audio, stunning images, and photographs.

American Heart Association’s 2015 Toledo Heart Ball

When: March 14

Admission: Varies

Gather your friends or your significant other for a unique date night out. This event will allow members of the community, medical professionals and corporate leaders come together to celebrate the life saving work of the American Heart Association

Fort Meigs Floor Cloth Workshop

When: March 14-15

Admission: Varies

This is another event you and your family will not want to miss this month. Make your way out to Fort Meigs for a workshop that will help you learn how to apply to the floor cloth you construct during the workshop.

Jason Aldean

When: March 26

Admission: $56 – $500

Jason Aldean is coming to the Huntington Center for what is sure to be a great night. Gather a group of friends or family and get ready for the show. You’ll be talking about it for months to come.

Classic Series: Midsummer Night Mysteries

When: March 28

Admission: Varies

Make your way out to Toledo Museum of Art Peristyle Theatre for a great Saturday night out with friends. This is one show you won’t want to miss, so brush up on your Shakespeare before you go.

For more information on all of the great events and activities available to you in Perrysburg, Ohio, visit here.

Tips for Spring Buying

 

2.17_BPamStrassner

Tips for Spring Buying – Spring means the return of more than just the sun and the flowers-it’s also the high season for the real estate market. It’s a great season to buy a home, since the weather is good for moving and for home improvement projects. However, since spring is the busiest time to purchase a new home that means that there is a great deal of competition among prospective home buyers. It’s important to be prepared for purchase before you begin your search for a new home. Below are a few tips to get ready for the buying process. Happy buying!

  • Set your budget. Your first step should be to decide how much you can afford to spend on a new home. Besides your asking price, also take closing costs, montly mortgage payments, a down payment, moving and other expenses into consideration. The Mortgage Bankers Association recommends that buyers spend no more than 2.5 times their income on a home. Total housing payments should not exceed 28 percent of your gross income, and total debt payments should be less than 36 percent.
  • Make a list of must-haves. What does your new home absolutely need to have? What features are negotiable and what are not? Research these now to save time when you’re searching.
  • Find a good real estate agent. A real estate agent can often give you valuable information that may not be available to you otherwise and help you find a home with all of your requirements within your budget. Ask friends and family for recommendations, or check online.
  • Get your mortgage pre-approved. Discuss your options for a mortgage with several lenders and choose the rate and terms that are right for you. This way you’ll be able to act quickly once you find a home that you love.

Keep these tips and mind and when spring hits you’ll be ready to find your new home!