Rhonda Hart

If you are a first time homeowner or you are thinking about buying or selling your home in Ohio, there are a lot of myths surrounding homeownership in the Centerville, Dayton, and Cincinnati areas. In this article, Rhonda reviews common myths to help you separate fact from fiction as you navigate your home journey. Myth #1: Renting is Cheaper Than Buying Reality: Although it may seem that renting may be cheaper and in some cases, can be, the tax benefits that a home can bring can help offset those costs in the long run and build equity and your credit score. Myth #2: 20% Down Payment Is Required Reality: If you are able to pay the 20% down, you can avoid paying PMI (Private Mortgage Insurance). If an FHA loan is to be considered, these loans typically require around 5%, sometimes less. Your loan company can provide you multiple options to ensure you make the right decision for your financial abilities.  Myth #3: Affording Bank Approved Amount Reality: When taking into consideratio...

  Environmental awareness has taken center stage and an eco-friendly home is becoming more popular throughout Centerville, Dayton, and all throughout the world. In this article, I review eco-friendly designs and innovative practices that can help us shift into a greener and more efficient future.  Design An eco-friendly design is considerate of the natural lighting, solar heating, and energy-efficient appliances. Recycled materials can also help to reduce building costs and eliminate your environmental impact without the need for new material production. By utilizing the natural elements of the home, considering the energy-efficiency of an appliance, and your building materials during the design stage, can help reduce energy costs, increase your comfortability, and be better for the environment. Energy Sources Solar panels have become more and more popular year-over-year in Centerville and around the world and provide renewable energy that is produced by the sun. Water harvest...