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June
5

Making the decision to purchase a vacation home comes with an endless list of benefits. Indian Lake is an ideal location for many families in Ohio, featuring yummy lake-side restaurants, watersports, boating, camping, and more! Not only is purchasing a vacation home at Indian Lake a relaxing way to escape from the city, but eliminates the hassle of planning a vacation. Having the opportunity to get away without worrying about scheduling, booking, or planning a trip is ideal for most families. There is no better feeling than packing your bags and hitting your waterfront home for the weekend! You may be wondering, is buying a vacation home a good investment? Here are the rewarding benefits your family will experience upon taking the leap.

Your Family Will Create Memories That Will Last Forever

Summer is the best time to create memories, especially with those close to you. Family members of all ages are bound to have a blast at the lake, where the activities are endless! Go for a morning hike, head to a swimming beach, take a boat on the water, or roast some marshmallows as the sun goes down. Having a place to visit with loved ones where you can spend quality time together is something to appreciate.

Vacation Homes are Less Stressful

Planning a summer vacation comes with a long checklist. Ensuring the entire family can meet on the same dates, finding a rental or condo, and scheduling in advance to secure the dates can start to increase the amount of stress. Owning a vacation home leaves the freedom up to you! All you have to worry about are packing your sunscreen and hitting the road. This makes it easy for friends and family to come and go as they please without dealing with a third party when planning.

Why Invest in a Vacation Home Now?

A vacation home sounds ideal for most, but is it worth the investment? Here are some ways owning a waterfront home can pay off:

 

  • You can rent it out. For the dates you know you're unavailable, why not make some extra cash? Renting your vacation property could be done seasonally or year-round, entirely dependent on your preference.
  • Retirement home. When buying a vacation home, it usually means it's because you love the area. What better way to enjoy the neighborhood than using the property as a retirement home in the future?
  • Sell when the time is right. If you're buying a vacation home while the kids are young or family is local, it sets up a long term plan of selling in the future. Real estate markets are always booming near waterfront homes, allowing you to sell at the right time.


Whether you live in Ohio or are looking for reasons to visit Ohio, waterfront property at Indian Lake surely takes a high ranking!  

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

November
15

10 Secrets for Buyers Looking for Houses in Bellefontaine Ohio

Bellefontaine, which means 'beautiful spring' in French, is one of America's hidden gems. The seat of Logan County Ohio, it is a great place for home buyers to find something special that's perfect for raising a family or vacationing in the summer. Houses in Bellefontaine Ohio come at appealing prices and the surrounding areas have a lot to offer for families that value close community and rural adventures. If you are considering buying a home in Bellefontaine, consult with one of our Logan County real estate agents and keep our home buying secrets in mind.

 

10 Secrets for Buyers Looking for Houses in Bellefontaine Ohio

 

Hold On To Your Money

It's wise not to make any big purchases or move money around in the 3 to 6 months before you buy a new home. This way you don't affect your credit profile and lenders can see that you're a reliable prospect. Getting approved for a mortgage is a key part of the home buying process and timing is key with your credit score.

 

Get Pre-Approval

Not pre-qualified, pre-approved. There is a bit difference between the two. Anyone can be pre-qualified for a loan, but when you're pre-approved that means a lender has looked at all your financial information and told you the exact amount they will lend you. Not only does this make you look good to the seller, it also means you won't be looking at houses outside of your price range.

 

Don't Skip The Home Inspection

If you are not familiar with houses in Bellefontaine Ohio, then you should get the best home inspector available and follow him around when he inspects the property you're interested in. Asking questions and taking notes will allow you use the information you learn in negotiations later, and also give you an idea of what renovations the home will need after you take ownership.

 

Know Your Market

These days it's easy to check out an entire marketplace online. There are websites that will show you what houses have sold for in the area you're looking at, so you're not going in blind. Once you know how long the home has been on the market, you will be able to make a competitive offer. Ask your real estate agent about the current market and what you can expect, as those professionals have their ear to the ground on latest trends and developments.

 

Choose Wisely

Houses in Bellefontaine, Ohio range from $40,000 to $300,000. That's a huge range to choose from. The secret is to get a house within your budget in the neighborhood of your choice. Even if the home isn't exactly what you wanted, you can improve on it, build on it, and make it your own over time. Neighborhoods rarely change. A smaller, less expensive house in a great neighborhood will always sell and will appreciate more in value.

 

Forget Timing The Market

Don't even try to time the market. It is practically impossible to anticipate the housing market. If you have found the perfect house and can afford it, that is the time to buy. However, do understand what the market is like at the time you're buying. Your Choice Properties real estate agent can help you understand the current state of the housing market in Bellefontaine.

 

Understand Bidding

When you make an opening bid, it should only be based on what you can afford and what you truly believe the property is worth at that time. A low bid rarely works, but a fair and reasonable one should get you through the door.

 

Do Some Digging

Many sellers are behind on their property taxes, and that is valuable information for you as a buyer. You can easily find that out at the county clerk's office for houses in Bellefontaine, Ohio. If someone is behind on taxes or has other liens of note, you can factor this into the purchase negotiations.

 

Looks Aren't Everything

This may sound counter-intuitive, but finding a house that has great bones, such as plumbing, electricity, roof etc, and doesn't look so pretty on the inside or outside, is actually a better buy. Those are easy fixes to make to with paint and furniture. Replacing entire internal systems will cost you an arm and a leg.

 

Explore The Neighborhood

Make sure you go to the neighborhood you'll be living in during different times of the day, so you can really get the lay of the land. Do your regular commute to work. Find out where the nearest grocery stores are located. A house in a good school district has greater value. It's important to spend time in the neighborhood that you'll be calling home to get a real sense of what life in that neighborhood is going to be like.

 

If you're looking to buy or sell houses in Bellefontaine Ohio,
contact the experts here at Choice Properties Real Estate to learn how you can find the best deals on homes in Logan County.

November
7

homes for sale in Indian Lake Ohio

So you're checking out homes for sale in Indian Lake Ohio. You've been given some great leads and the agent explains that time is of the essence. What do you do now? Of course you go take a look at the home, take a few notes, and decide that you have enough information to make your home buying decision. However, there are a few other considerations to factor in before you make a decision. If you buy a property without doing a thorough inspection, you'll be discovering problems after the sale is done. And that is a scenario you want to avoid. Here are ways to properly evaluate a potential home for your family right here in the beautiful Indian Lake, Ohio area!

 

Start Outside

Pause a minute before you go indoors. The exterior of a property hides thousands of dollars of value. A good place to start is with the most expensive exterior upgrades, like the roof. Roofs come at a substantial cost and many homeowners do not replace them until absolutely necessary. Even just looking at the roof should give you an idea of its age and condition. Will you need to put in a new roof when you buy, and if so do you have the budget for it?

Walking the entire exterior is also a good idea, as you may be able to see if there are any cracks or shifts in the foundation, a major issue in itself. Check out the basement or a crawl space. Look closely at the siding or the paint. Does the house need a new paint job or new siding? You may decide against the home without ever going inside just based on the condition of the exterior elements. The property should be well kept and something you will want to maintain for the next ten years.

 

Step Inside

Most homes for sale in Indian Lake Ohio are staged these days, so it can be easy get dazzled by the furniture displays and interior concepts but fail to notice anything that should be a red flag. So ignore the bells and whistles for a moment, and focus on some essentials; like the windows. New windows are a great value to any home and if the windows in your prospective home are in good condition, that's a clear sign that the previous owner took home insulation and energy costs seriously. Next look at other big ticket items like the furnace, water heater, septic tank, and the electricals. Old electrical wiring will need replacing and that can run into a lot of money.  These things are the nuts and bolts of a home and should be in good condition if you're going to assume responsibility for them. 

A home's value is not always on the function, however. When evaluating homes for sale in Indian Lake Ohio, consider the spaciousness of the family room and the proximity of the bedrooms to one another. Learning how your family will live in the home and utilize the space can give you a complete perspective on the home's value to you and your family in the long run. There are many homes for sale in Indian Lake, Ohio, and you want to get the best one for your family.

 

Upgrades

The big selling points in homes are usually the kitchen and bathrooms. It's not enough for them to be in good working order, as you need to take interior upgrades into account. What sort of appliances come with the purchase? Do the cabinets stand out? Is the backsplash recent? Ask relevant questions to find out how much work you'll need to put into the house once it's yours. This goes for the bathrooms to. Inspect the flooring and the shower, and pay attention to drainage. These are little things that can add to your budget if water leaks go unnoticed for a long time. There are ways to save, but savings cannot come at the expense of the kitchen or bathrooms.  

You will find many great homes for sale in Indian Lakes, Ohio, but you may have only one opportunity to inspect a new property. This is why it is important to go prepared, take as many notes as possible and even pictures if the owners allow it. Checklists are readily available and should be taken with you each time to go to see a new property. Finally, you can run your notes by an experienced contractor to get an estimate of what renovations will cost you. At the end of the day, the better organized you are, the easier it will be to pick the right home for you.


For more information about homes for sale in Indian Lake Ohio,
contact the real estate agents at Choice Properties Real Estate today!

October
12

 Are You Ready to Buy a Home in Indian Lake?

 

Purchasing a home is an investment of time, effort and, of course, money. Indian Lake is a premier location for individuals and families looking to live in a place with a great community and activities for every season. The question of buying a home in Indian Lake should focus on a person's budget and desired payment plan. Learn some tips for knowing whether now is the right time to make an investment in a home in Indian Lake.

 

Calculate Payments

Affordability is the main factor in calculating payments. The 43% debt-to-income ratio rule is generally applied by the federal housing administration (FHA) as a guideline for approving mortgages. The ratio helps determine if a borrower has the ability to repay the mortgage. Market conditions play a role in this calculation. Consider also the following expenses in addition to the mortgage payment:

  • HOA fees

  • Property taxes

  • Homeowner's insurance

  • Other fees

 

The total should not equal more than 43% of the monthly gross income. Other expenses such as credit card debt, student loans and other debt should also be considered. It is recommended room is left to take on additional debt in the case of needing a new vehicle (and car payment).

 

Consider Other Expenses

Other expenses should factor into the decision to purchase a house including vacation budget, hobbies and other expenses. It can help to consider looking at a less expensive house as a place to start rather than at the top end of the budget where less wiggle room exists.

 

Down Payment

A down payment can be a significant portion of the upfront cost of a home. Generally, 20% of the home price is recommended as a down payment to avoid paying private mortgage insurance (PMI) which may add $50-$100 per month onto a mortgage. A smaller down payment is not necessarily a bad thing but some of the bonuses include more lender choices, a smaller mortgage payment and more chances to save down the road.

 

When to Buy

The opposite of high season in the preferred area is best when buying a home. The off season is a great time to look at properties, including the month of October for families with children as school will already have begun. The perfect market conditions for home buying are challenging as prices fluctuate but looking in off season has advantages to finding the right homes for the right value.

 

Affordability is a big factor for individuals and families looking to buy a home in Indian Lake. One of the more affordable areas to live with many activities, great schools and community life to explore, it still helps to follow tips from the pros about how to find the right property at the right time to make that investment worthwhile.

 

Contact Choice Properties agent who are ready and able to assist you
in the home search for that perfect Indian Lake property.

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