$500 AmeriCash
For many, buying a home is likely the largest expense they will ever make – any sort of financial relief could help to instill more confidence and get you into the home of your dreams. With this in mind, Amerifirst is now offering a buyer incentive program that allows you, the buyer, to receive $500 toward your closing costs.

The program, which is open to any buyer, is good for all of 2019 and renewable each year afterward, and is eligible with almost every loan we offer.* Continue reading

Key takeaways

  • Separate what you need from what you want
  • Do your homework on what the market wants
  • Budget, budget, budget!

Boost Your Home’s Value with a Little Investment

Nice big tax return this year? Lucky you! If you have a nice, strong savings account, you might want to think about putting some of that tax return into your home.

And no. We’re not talking about installing an in-ground swimming pool or adding a new air hockey table in the basement. Investing in your home is about putting money toward what you need, not what you want. Not everybody likes air hockey, but everybody loves a roof that doesn’t leak!

The first step is getting online and checking out some real estate websites to see what’s hot. Nowadays, smart homes are the hot topic. But unless you’re pulling in buckets of money, stick with these tried and true renovations to add value to your home. Continue reading

There’s an app for almost everything (still waiting on that virtual can opener), and that includes home shopping. Sure, it’s super convenient to research houses for sale in your target area. But, what do you do when you have a question? How do you schedule a showing? What about when you want to make an offer? Your knowledge gained from the internet can only take you so far. And so, if you’re planning to buy or sell a home without the help of a real estate agent, you’ll want to read this first.

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Those who were able to make it out to our most recent mixer at Up a Creek Tavern in Howland benefited from the trade professionals who were also in attendance. Hopefully, most of the attendees met new contacts who they can refer clients to in the future and also increase their sphere of influence. In addition to bettering yourself professionally, one lucky attendee won the drawing between the agents for a brand new laptop computer.

We’re sure you’re anxious to find out who won. Well…drum roll please… Continue reading

Mortgage Lending
When someone is ready to buy, they often hop in their car and start browsing the local housing stock for their new home. It can be an exciting venture, especially when you’ve found a few in your price range.

But what is your “price range,” really? Do you know what that corner dream house with the covered patio and finished basement will cost you each month? The truth is, the sticker price in the homebuyers guide is just a part of the total housing cost and doesn’t take into account all the other costs and criteria that a lender will be considering when you apply for a mortgage loan.

There are distinct questions a lender has to answer before they can determine what a mortgage payment is going to look like. We’ll discuss these elements over the next couple installments, but for now… we will start at the beginning.

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Youngstown-Oh-Mahoning-County

Latest population figures from the U.S. Census Bureau show certain communities may be leveling off when it comes to a decline in residents

The United States is growing at a historically slow rate. Between 2017 and 2018, the country grew 0.6 percent in population. The timeframe prior saw a 0.7 percent increase. That doesn’t sound like a whole lot of growth…And you would be correct. The U.S. is experiencing its slowest rate of annual growth since 1937, when the nation was in the midst of the Great Depression. Continue reading

Rental agreements theoretically should be a smooth process: the tenant pays the landlord in exchange for residency and both promise to keep the property in clean, working order for the duration of the agreement. In most cases, that is how everything unfolds and both parties are typically happy.

In other cases, however, things go south quickly and the outcomes are catastrophic. Take for example this 70-year-old rental property in northeast Ohio. The owner of the property had been living in Florida at the time, and came back to check on the home. What he found was completely unanticipated and left him in shock:

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