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Happy Place Moments at Apple Valley, Ohio

by Sherrie Toth

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One of the perks of living on or near Apple Valley Lake is the gorgeous view and scenery whether it’s mid summer or the dead of winter. There are countless opportunities to catch glimpses of nature or simply the beauty of the lake. It’s even better when you can capture these moments on film to be remembered forever.

Perhaps you’re considering purchasing a Lake Home.  Let these pictures serve as a reminder WHY Apple Valley is YOUR next Happy Place.


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A Gorgeous sunrise.  Grab a cup of coffee and enjoy nature playing out naturally


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Is this a painting?  Another beautiful Sunrise. Imagine experiencing this from your own home.  Pictures are worth a thousand words, but the experience is better.


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There’s just something about the magnificent sunrise at Apple Valley Lake.  The leave you speechless.

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The scenery is breathtaking.  It has the same effect as chamomile: calming.

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Glassy water. Fog rising.  Looks like it’s going to be a great morning


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A relaxing boat ride during a July sunset.

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Even in the winter, Apple Valley shines


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Beautiful Bennett Park

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These little fellas can be seen all over Apple Valley Lake.  Bald eagles are the only eagle native to North America.  And the word “Bald” originally meant “white” not “hairless.”


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Pictured here is a Red-Bellied Woodpecker.  With a little suet and some peanuts, you can attract this beautiful bird.  If you’re lucky, you might be able to get the more recognized Pileated Woodpecker.


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A tiny, little hummingbird.  While these creatures are in fact birds, their aerodynamics often have them associated with insects.  Hummingbirds can flap their wings up to 6,000 times per minute.  Be sure to change their water often, as the old nectar can be toxic to these delicate animals.

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Another angle of our Red-Bellied Woodpecker friend.

Are you ready to find your happy place?  Have you always wanted to walk out your back door to the beautiful sights and sounds of the pictures above?  Contact Toth and Team today and we’ll make sure you find what you’re looking for.

As always, please share your pictures with us in the comments below.




 

Home Buyer Tips - Worth The Read!

by Sherrie Toth

How to Buy a Home: 7 Tips and Tricks from Real Estate Insiders

No matter if you’re in a buyer’s or seller’s market, there are a few critical steps you can take to make a smarter purchase. Since buying a home is likely the biggest single investment you will ever make, being prepared will help you make a better purchase. Here are our best tips to buying a home.

Know your buying power

What is your buying power? It is the combination of your credit-worthiness and how much you can realistically pay for a home.

First, you need to understand the hidden costs of buying a home. You will need to save not only for the down payment of your home -- which is typically between 10% - 20% of the offer price -- but also for any additional transaction fees, such as transfer tax, PMI, title insurance, and legal fees.

Then you need to know what you can realistically afford each month to understand how much house you can buy. Your mortgage rate will depend on your creditworthiness -- if you have a high credit score, your lender will likely approve you for a lower mortgage rate, which can save you thousands of dollars per year in interest.

How much of your budget should go to your monthly home costs? According to SmartAssets, you can use the 36% rule as a rough guideline. This means that your monthly obligation shouldn’t be more than 36% of your monthly gross income.

A loan professional can help you figure out how much house you can afford. Contact Toth and Team for our awesome Mortgage Loan Officer Referrals.

Fix your credit with the help of a loan professional

According to CreditKarma, a good credit score is usually 720 or above. You want to clean up your credit as soon as you can, and definitely before you go to a lender for a loan preapproval.

When you apply for your loan pre-approval, you don’t want to have anything to hide on your application. So don’t lower your credit score by doing anything that will originate more inquiries into your credit. For example, don’t open any new credit cards. Also, don’t omit any debts or loans when you apply. If the loan officer discovers them in the application process, they may deny you a pre-approval.

Get a loan professional to check your credit score for you. A professional can give you a clearer idea if your score is in the ‘good’ range, or if you need to do some credit cleanup before getting a mortgage preapproval.

Work with a knowledgeable Real Estate Agent, Like Joe & Sherrie Toth or one of their Buyers agents. 

Do you understand what kind of market you are buying into? Even within a city’s limits, there can be micro markets that are increasing or decreasing in value.

That’s why it’s important to hire a highly competent real estate agent who knows the specific market. You want to make sure that the professional who you’re working with really understands what the market is like and will help you find the home that you desire. Choose Local. Someone that doesn’t have to come across town or counties to help you in the area you are looking in.

How can you tell if your agent knows the market? See if they can provide you with a buyer’s market analysis. Ask them about the area and some details only a local would know. Or, simply ask them where THEY live. Is it in the area you are looking?

A buyer’s market analysis report outlines which neighborhoods are still up and coming -- with potential for increased property value -- versus those that have peaked with inflated home prices. Having this analysis at your fingertips will help you know if a home’s list price is above comparable properties so you don’t overpay for a home.

Don’t try to time the market...

Even in a hot market, there’s never a perfect time to buy a home. It can take a while to know exactly what you like, and you may have to look at 10 or more homes before you can recognize what suits your lifestyle best. While you’re shopping, take photos of your favorite properties and the details that you liked the best so that you can remember what you liked.

Another good reason to slow down the buying process: you might find a better deal if you do. Investigate expired listings. Expired listings may have gone off the market because they didn’t get any offers at the listed price, so you may be able to underbid the original listing price. It’s not likely worth your time to look at FSBO (for sale by owner) listings, though. Since they are not represented by a professional, they are often overpriced.

When you start shopping, have a one-hour initial consultation with your realtor. Give them every single detail that you know about your lifestyle, buying power, needs, wants and desires for your home. The more detail you can provide, the easier it will be for them to help you find your future home. Your agent may also know of exclusive listings not available to the general public.

… But make the offer as soon as you find the right home

If you love it, make the offer. Otherwise, that dream home may disappear faster than you think, especially if you’re buying in a hot market. The Apple Valley Lake market is HOT!

Your buying agent should contact the listing agent before you submit an offer so that they can decide what’s important to include in the offer. If you’re serious about it, you want to increase the chances that your offer is accepted.

Show that you’re serious about the purchase by creating a buyer’s offer packet. It should include your lender’s preapproval letter, a screenshot of your down payment money in your bank account, and comps that support the rationalization of the offer you are presenting.

Get a home inspection

Once you’re in the negotiation process, it’s essential that you get a third-party inspector to run a thorough home inspection. The inspector will be looking for major structural issues, including problems with the foundation, plumbing, and electrical systems. Your inspector should be extra picky, pointing out the most minor faults.

Make sure to have the inspection conducted before it is too late to back out of a deal. If there are any major structural issues, you may be able to make the seller repair them as a contingency to solidifying your offer. Minor issues that you can repair on your own may be points for negotiating a lower offer.

Protect your credit before you close

Don’t raise any red flags with your creditworthiness in the weeks before closing. Any one of these moves could mean that you’re denied the loan and the deal falls through -- even if you’ve already been preapproved!

 

●Keep your spending to a minimum and don’t make any major purchases before closing -- that includes buying furniture, or a car, truck, or van, or any excessive charges on your credit card.

 

●Keep your bank accounts stable. Don’t change banks, spend any of the money you have set aside for closing, or make any large deposits to your accounts without checking with your loan officer first.

 

●Keep your employment situation stable -- do not change jobs, quit your job, or become self-employed. Any sudden change in your income can have that preapproval offer rescinded.

 

●Do not cosign a loan for anyone. It will open an inquiry into your credit and add to your debt, which could raise your mortgage rate and cost you thousands of dollars over the life of the loan.

 

Looking for a home in our area? Let us help you find the home of your dreams. We’re well versed in the our local real estate market in Apple Valley Lake and The Knox County area!

 

RE/MAX Consultant Group

Toth and Team

Joe & Sherrie Toth

844-411-5253

 

[email protected]

www.AppleValleyLakeOhio.com

www.applevalleylakeohio.com

 

 

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Photo of Toth & Team Real Estate
Toth & Team
RE/MAX Consultant Group - at the lake
22021 Coshocton Road Suite A
Howard OH 43028
Sherrie’s Mobile: 740-390-0735
Joe’s Mobile: 330-388-6293
Fax: 800-707-3176

Apple Valley Lake Team | 844-411-5253