In a previous postwe discussed what drives a lending decision. Here, we will examine payment ratios/formulas and how they impact the total monthly payment for a home.

Whenever our team works with a client, maybe one of the most frequently asked questions is, “How much will this house cost me every month?” It’s an understandable and necessary question. Continue reading

$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 eligible with almost every loan we offer.* Continue reading

As demand for new home purchase loans and refinance loans continues to increase, the Amerifirst Poland team expands output with new Loan Processor.

POLAND, Ohio (October 29, 2020) – While mortgage loan rates continue to be favorable, the demand for an efficient loan process remains at an all-time high. To meet this demand, Amerifirst Home Mortgage in Poland, Ohio welcomes Rocco DeNiro to the team as Loan Processor. Continue reading

Vickie Wooden
Vickie Wooden

Vickie Wooden has a passion for real estate and is eager to share her knowledge and expertise with Amerifirst Home Mortgage.

POLAND, Ohio (July 16, 2020) – Customer service, sales, business management. These are just a few of the great skills that Vickie Wooden has to offer. She’s ready to expand upon her years of experience in business, and most recently real estate, to take on a new role as Business Development Manager at Amerifirst Home Mortgage in Poland, Ohio. Continue reading

Decorating Your Home
When making your budget to buy a home, you should think about the cost of furnishing that home. Whether you plan on decorating it all at once or over time, the size and style of the home will impact the decorating budget. The general rule of thumb when it comes to a budget is that you will spend 25% of the total cost of the home to decorate. This means, a mid-range living room will cost roughly $10,000 (hopefully that includes a big flat screen TV!). Continue reading

Difficult real estate clients
We have discussed in the past a need for balance in the real estate industry. Agents are human, like everyone else, and need to be conscious of the energy and time they are putting toward their work – as well as the hundred other things that need attention throughout a given day.

We’ve also talked about focusing on the paths that will generate the most money and grow your career.

That being said, we now want to discuss something that most agents experience in their careers at some point, but that no one really likes to talk about… when is it time to just let a difficult client walk? Continue reading

real estate communication
Communicating the home buying process to clients in a way that is easily understandable – especially if this is their first time – can be difficult… trust us, we deal with it as well.

“FHA,” “comps,” “under contract”

Words and phrases like these are so familiar to us that we often forget it’s because we deal with them daily.

For a first-time homebuyer, you may as well be speaking a different language. That can lead to real problems, such as a less-confident buyer that is hesitant to move forward because they don’t fully understand the process. The longer it takes for them to feel ready to buy, the longer it takes for you to make your money, that is, if they even go through with the deal at all. Continue reading

Bob Gratz 2
Bob Gratz
NMLS #1483055

YOUNGSTOWN, OH — Amerifirst Home Mortgage Poland’s own Bob Gratz was recently recognized as an honoree at the 25 Under 35 event at Stambaugh Auditorium in Youngstown, Ohio.

The event, which is hosted by Mahoning Valley Young Professionals (MVYP), a group Gratz holds a board seat on, honors members of the community that have proven outstanding dedication to their profession as well as recognizing their involvement in volunteer work around the Mahoning Valley. Continue reading

Realtor Cup of Coffee
Realtor Cup of Coffee

When a Cup of Coffee Cost $166

The following story is true.  I feel like I must provide you with this disclaimer, now, before we go any further.  If one waited and stated this rather simple sentence at the end of this story – few would believe it.  So… hand to God, cross my heart and hope to die, pinkie swear, and however else you’d like me to attest to you in the affirmative – it is true.  Better yet… the author is telling this story firsthand.  Yes, I was there and I experienced parts of it.  And, yes, I thought it was ridiculous even at that time.  Now that I got that off my chest…here…we…go… Continue reading