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Tag: Real Estate

USDA Celebrates National Home Ownership Month

USDA Celebrates National Home Ownership Month

Received this press release from Acting Deputy Undersecretary for Rural Development on National Home Ownership Month. I am a huge fan of the USDA Rural Development loan program which offers 100% financing for buyers in areas determined as “rural.” For example, a rule of thumb, is that anything north of 36 in Delaware County is eligible but always ask when looking at homes. Only two counties – Franklin and Summit – have no areas that are eligible for the rural development program.

USDA Celebrates National Homeownership Month

Events across the Nation to Spotlight Efforts to Help Rural Americans Buy Homes

Acting Deputy Undersecretary for Rural Development Roger Glendenning today kicked off National Homeownership Month to celebrate the vital contribution homeowners have made to communities across rural America.

Home Ownership Month
Left to right, Lisa Mensah, Under Secretary Rural Development (RD), Franklin Codel, Head of Wells Fargo Home Lending and Tony Hernandez, Administrator U.S. Department of Agriculture, Rural Housing Service at the Champion of Rural Housing, Homeownership Month 2016 at the USDA, in Washington, DC on Tuesday, June 14, 2016. USDA photo by Steve Thompson.

“Owning a home provides rural residents a secure environment where they can raise families, and it helps invigorate local rural economies that are vital to the long-term security and well-being of our nation,” Glendenning said. “Homeownership fortifies communities, creates jobs and strengthens the local businesses that support our towns.”

USDA provides mortgage loan guarantees through partnerships with private-sector lenders to help low- to moderate-income rural homebuyers. In 2016 alone, USDA worked with nearly 1,500 lenders to help 116,000 rural individuals and families buy homes.

USDA has helped more than 4.1 million rural residents buy homes since the National Housing Act was passed 68 years ago.

Department of Agriculture employees will celebrate National Homeownership Month throughout June with events across the nation that demonstrate the Department’s longstanding commitment to provide affordable housing opportunities for rural Americans. To learn more about USDA’s observance of National Homeownership Month, please visit our Facebook page, follow @USDARD on Twitter, contact a USDA Rural Development State Office near you, or call (800) 670-6553.

USDA Rural Development provides loans and grants to help expand economic opportunities and create jobs in rural areas. This assistance supports infrastructure improvements; business development; homeownership; community services such as schools, public safety and healthcare; and high-speed internet access in rural areas. For more information, visit


Tony Hernandez, Administrator U.S. Department of Agriculture, Rural Housing Service makes remarks at the Champion of Rural Housing, Homeownership Month 2016 at the USDA, in Washington, DC on Tuesday, June 14, 2016. USDA photo by Steve Thompson.

Is It Time to Send Your Agent Packing?

Is It Time to Send Your Agent Packing?

At What Point Does Your Agent Need to Change?

It’s been a long summer with your agent. Signs of possibility but nothing comes to fruition. Is time to give your agent the Todd Richard’s treatment?

Richards was the respected and good coach of the Columbus Blue Jackets until the teams 0-7 start cost him his job this week. It wasn’t Richards fault, but in a result oriented world the buck stopped with him.

Columbus Blue Jackets fired coach Todd Richards after the team's 0-7 start. []
Columbus Blue Jackets fired coach Todd Richards after the team’s 0-7 start. []
And the buck should stop with your real estate agent. Sure she’s a nice woman but nice doesn’t pay your mortgage at the new home.

Four Reasons to Deep-Six Your Agent

  1. She can’t / won’t answer questions. Every property is going to require a slightly different marketing touch to get it sold. But when you ask “what are we doing to get the house sold?” And you get more ums and stalling it’s time to make the call to your second line.
  2. He is not featuring your property in ads as much. You pay attention to your agent’s marketing, right? You need to. Not just to see where but that he’s doing more than just throwing a sign up. Of course when the signatures are wet and listing is new everyone’s excited and pushing that listing out. But by day 30 the listing has become stale – time to refresh and get a new look. Or some agents will just let the listing slide off the radar.
  3. She won’t take your calls. Amazing how agents get so many clients when a stale listing’s owner calls and the “ums” and “got to go” show the concern she has. Now we all know how great agents reply to calls anyhow, so this is the change in routine you are measuring and evaluating.
  4. When was the last time they were at the house? One of the fun pieces of real estate is being “belly-to-belly” with your clients. But on stale listings they will stop. Simple reason – conflict avoidance. I once had an out-of-town client that would have friends take down my sign on occasion and then figure out how long it would take for me to notice. A little extreme and had we been using the sign and prayer marketing method would of been a big deal. I don’t recommend at all, but the point is made.

Sometimes it is hard to let an agent go. However professional agents know it is business and nothing personal.

JUST LISTED: Panera Area Ranch

JUST LISTED: Panera Area Ranch

514 Thistle Drive | Delaware | Ohio

514 Thistle Drive Delaware Ohio

Scroll down for more photo

Why Should I Buy 514 Thistle Drive?

Looking for a ranch home in Delaware, Ohio? Well that search just came to an end. 514 Thistle Drive (map) will welcome you home with welcome arms. The large entryway flows into a large living room. The vaulted ceilings make this a great space for family and friends to gather. The eat-in kitchen is open and inviting with a new dishwasher (’11), electric range and refrigerator. Neutral colors throughout make this home as easy on the eye as it on the wallet. Large master bedroom has a walk-in closet and master bathroom. Control it all with NEST thermostat.

Enjoy the outdoors the 14×30 deck is perfect for the summer. “We have room to grill, eat, and the kids play without getting in each other’s way,” the sellers commented. Additionally, home is situated only two houses from the Nottingham Park and its soccer fields and recently upgraded play equipment. And possibly the best part? Less than a five-minute walk to Carlisle School, Buehler’s, Ace Hardware, and Panera. A 20-minute walk, or about 1-1/2 miles, from historic downtown Delaware, Ohio.

Scheudle your personal showing today at 740-990-9748 or complete our handy online form.

The Details

  • Price: $130,000 (Need Pre-Approved? Get the App!)
  • Bedrooms: 3
  • Bathrooms (Full/Half): 2/0
  • Rooms (Type): 6 (Living, Eat-in kitchen, laundry room)
  • Basement: 4-foot deep crawl space
  • Garage: 2-Car Attached
  • Exterior: Vinyl
  • Interior Features: Dishwasher (new in 2011), Refrigerator, Electric Range
  • Exterior Features: 14 x 30 Deck, front stoop

The Photos of 514 Thistle in Delaware, Ohio

Boyce Establishes New Brokerage

Boyce Establishes New Brokerage

The local options for real estate added another company on March 1 when C.G. Boyce Real Estate Co. will open its doors in historic Delaware, Ohio.

C.G. Boyce Real Estate Co. Toby Boyce Delaware Ohio
Toby Boyce has launched an independent brokerage C.G. Boyce Real Estate Co. in honor of his late father.

C.G. Boyce Real Estate Co. goals include creating a consumer-centric experience. “We want consumers to have a one-of-a-kind experience,” said Broker and President Toby Boyce. “The revival of downtown Delaware has been in large part due to its uniqueness. C.G. Boyce is going to bring that experience to real estate. For too long area residents have had to deal with McDonald’s-style service and we don’t think that’s okay.”

Boyce has been in real estate since 2006 and is an active member of numerous real estate organizations. Including serving on two National Association of REALTORS® committees, past Chairperson for the Communications Committee for Ohio Association of REALTORS® and currently serves as a member of the board for Delaware County Board of REALTORS®.

C.G. Boyce Real Estate Co. is named in honor of Toby’s father, Calvin Gerald Boyce, who had planned on joining his son in real estate. Unfortunately Calvin passed away unexpectedly in 2007 and never had the chance to retire and join the real estate team.

Toby Boyce is a native of Danville, Ohio, and earned his Bachelor’s of Arts from Mount Union College and a Master’s of Business Administration from Heidelberg College.

Toby is married to Gretchen (Golling) Boyce and the couple reside in Delaware, Ohio, with their Boxer, Sadie.

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Delaware Ohio: Real Estate Transfers Jan 26-Feb 1

Delaware Ohio: Real Estate Transfers Jan 26-Feb 1

This week saw a marked pick-up in valid transfers from last week with 52 properties exchanging hands county wide and 11 in Delaware, Ohio which was up from last week.

Real Estate Transfers in Delaware, Ohio
January 26 – February 1, 2015

  1. $4,100,000, 0 Penry Road, grain/agricultural
  2. $435,000, 477 Quarter Way, single-family home
  3. $300,000, 147 North Franklin, single-family home
  4. $267,000, 611 Meadows Drive, single-family home
  5. $205,000, 494 Riverby Lane, single-family home

The Penry Road transfer is reported to be a three-parcel transfer of ownership. “Reported” because only two parcels on Delaware County Auditor’s Web site are listed under the ownership group for a total of 306.561 acres.

How Much Home Can You Afford? Download the App!

How Much Home Can You Afford? Download the App!

app equity resources kelley hall toby boyce
Download the app – by clicking on the image – and be prepared when looking at houses. [submitted]

Kelley Hall and Toby Boyce have teamed up for a new real estate mortgage calculator application.

The application — download here! — and you’ll be able to do basic calculations including:

  • How much home can I buy?
  • How much will it cost me per month?
  • Should I refinance?

My favorite part?

It even figures in PMI when determining how much you will owe per month. Considering that is often the fastest changing factor when comes to how much can you afford that’s a big deal.

Download today!

Equity Resources, Inc., Kelley Hall 7251 Sawmill Rd Ste 100, Dublin OH 43016. NMLS 514264, Ohio LO.030220.001/MB800302.014-BR. Certain restrictions apply, call for details. Equal housing lender.

Bloomer Plastics Acquires Delaware-Based Optimum Plastics

Bloomer Plastics Acquires Delaware-Based Optimum Plastics

optimum plastics acquired by blooper
Bloomer Plastics acquires Optimum Plastics.

One of the hubs of the Delaware, Ohio Industrial Park has a new owner.

Optimum Plastics, located on Houk Road in Delaware, Ohio, has been acquired by Bloomer Plastics, a division of Huron Capital Partners, for an undisclosed amount according to a press release.

The combination of Optimum’s engineered blown film with Bloomer’s existing portfolio of custom designed cast film is directly aligned with its fundamental strategic initiatives and is core to the company’s growth plans. This is a significant move for Bloomer, as it will nearly double the revenue and employee base.

“We’re proud to welcome Optimum into the Bloomer Plastics family,” said Kevin Keneally, President and CEO of Bloomer Plastics. “Bob Clemons and his team have assembled the finest set of multi-layer high barrier film assets in the stand alone film market. We look forward to continuing their investment in state of the art technologies for our mutual valued customers.”

Optimum Plastics is located at 1188 South Houk Road in Delaware, Ohio.

US Bank Scheduled to Open in Delaware This Week

US Bank Scheduled to Open in Delaware This Week

US bank opening delaware ohio
U.S. Bank is scheduled to open a location in the Kroger on Houk Road in Delaware, Ohio, this week. [Toby Boyce]

U.S. Bank will open its second Delaware, Ohio, location this week. Both stores are based in grocery stores with the current location at Meijer on the east side and the new location will be in the Kroger on North Houk Road on the west side.

U.S. Bank will be replacing FirstMerit which consolidated its operations into the downtown location in June.

U.S. Bank ranked fifth in Central Ohio in branches with 47 according to a recent Columbus Business First list.

Inequality in Buying a Home vs. Mobile Home

Inequality in Buying a Home vs. Mobile Home

“You can’t do it here. It wouldn’t make sense.”

whenever the topic of entry-level homes being built in Central Ohio – and Delaware, Ohio, in particular – the response has been the same. you can’t do that here.Facebookinstagramsocialtile-300x300

But, Why Not?

And that’s when the brave try to explain while the majority simply replies ’cause. It won’t work.


we can send a man to the moon, make celebrities out of pawn brokers, and build a driverless car. but, we can’t build an entry-level home that allows first-time home buyers to buy a home in respect to their income and not be forced to rent.

So, when Blog Action Day 2014 topic of inequality was announced, we at Ohio Home Team felt it very close to our heart and beliefs to take on the challenges of the inequality in housing but focus on a single aspect of the housing population — mobile homes.

What’s Wrong With Mobile Home Sales in Delaware, Ohio?

In the good-old days buying a mobile home wasn’t much different than that buying a home. However, when the Savings & Loan collapse was in large-part blamed on being too heavily invested in these mobile forms of transportation.

The Broken System

The system itself has become stigmatized towards the plight of the poor and impoverished in a way that has even crept into the financial and legal process.

  • Lack of Required Residential Property Disclosures. If you buy virtually any single-family to four-family real estate in the state of Ohio, you are required to have a residential property disclosure provided and signed for by the buyer. There are a few exceptions but one that isn’t even on the form is for a mobile home.
  • Limited Options for Purchase Finance. Did you know that if you are buying a single-wide or a double-wide not on a permanent foundation there is only one option for financing the property. And they will require at least 25% down and about a 700 credit score to even get considered.

So let me get this right. It is harder to buy a home or a car than it is to buy a mobile home?

The problem with that is simple — at least to me — in that the people buying mobile homes in Central Ohio are doing it because its the only option they have.

But Aren’t Mobile Homes Considered Cars?

Ahh, my favorite part of this argument … Well they are titled as a car so we should treat it as a car…

Seriously? You go and buy a new sofa. Which vehicle are you going to use to take it home, your Camaro or F-150?

Duh, Toby that’s pretty stupid.

Yeah, but they are titled the same. So based on your assumption they should both be able to do the exact same thing. Of course they don’t but in the mind of the state they all look exactly the same. Single and double-wide homes are not moved as often or in the same manner as travel trailers. So we should be able to take this situation and make a change.

How Do We Fix the Inequality in Mobile Home Housing?

Well it’s a challenge. I am suggesting a two-prong approach – one that can be done by the private sector and the other would require an act of the Ohio legislature to make this happen.

  1. Create More Opportunities for Mobile Home Financing. This is a private initiative that works through the program to develop competition in the mobile home market. 15% interest rates and irrational credit score requirements is not good, but the way to solve it is by having an alternative for Ohio’s mobile home population.
  2. Require the Residential Property Disclosure on All Mobile Home Sales. This will require the population to put stress on its elected officials to make a change. A former client purchased a mobile home where the previous owners had very obviously just painted over several water and fungal-growth issues in the home. But because there was no formal documentation process on the property the buyer has no recourse.

I don’t want – nor do I believe – every person to own a home. However, the mobile home sector is a good way for some people to make the move from renting to owning especially in Delaware County where the average home sells for $225,000.

Something can change. And we – as a people – can do it through programs like Blog Action Day.

Westerville Home Becomes Second-Highest Sale in County This Year

Westerville Home Becomes Second-Highest Sale in County This Year

On July 3, NSS Development finalized the purchase of 645 North State Street in Westerville, Ohio for a cool $2,000,000.

The price was the second-highest paid in Delaware County this year for a residential property, falling slightly behind the $2,155,246 paid for 19 acres on South Three B’s and K Road in Galena, Ohio.

NSS Development LLC was created on June 19 and lists Columbus-based attorney David W. Fisher as the statutory agent. Fisher is the partner and principle for Kephart Fisher LLC which is one of the area’s premier real estate land planning and zoning lawyer offices in Central Ohio.

So smart money, is that the company did not purchase the 3,380 square foot home with 3 bedrooms and 3 full bathrooms for the home. But rather for the 17.324 acres on which the home sits.

Delaware Real Estate This Week (June 30 – July 6)

Delaware Real Estate This Week (June 30 – July 6)

Not even America’s birthday could slow down the selling in Delaware County this week.

A total of 182 deeds were transferred by the Auditor’s office with 69 percent of them being valid sales.

The average price of a home in Delaware County was $333,095 with an average market value of $214,762. The 55 percent mark-up over Auditor’s value is due to the high number of new-builds that were sold at the end of June. There were several properties with 1,000 percent or higher mark-ups and even a few that were lots freshly created hence having a $0 auditor’s value.

Delaware County Sales This Week By City

City No. Avg. Price
Delaware 37 $248,157
Westerville 22 $478,949
Powell 20 $341,274
Lewis Center 16 $314,634
Sunbury 9 $260,993
Galena 8 $394,891
Dublin 6 $430,500
Columbus 5 $284,632
Centerburg 1 $335,000
Marysville 1 $164,900
Ashley 1 $900

As a whole, it was a low-key week in Delaware County with the prices remaining fairly flat — except one. And that one was a big one. As in the second highest-priced home to sell in Delaware County this year. 645 North State Street in Westerville, Ohio was purchased for $2,000,000 by NSS Development. According to public records the property has 3,830 square feet with 3 bedrooms and 3 full-bathrooms on 17.54 acres.

Top Five Sales in Delaware County This Week

  1. $2,000,000. 645 North State Street, Westerville. Single-Family Residence
  2. $719,500. 5118 Blessing Court, Galena. Single-Family Residence
  3. $695,000. 8361 Meadowlark, Delaware. Single-Family Residence.
  4. $681,690. 1488 Haverhill Court, Delaware. Residential Vacant Land.
  5. $655,000. 2524 Dauer Court, Powell. Single-Family Residence


Top Five Sold Homes This Week (June 8-15)

Top Five Sold Homes This Week (June 8-15)

The Delaware County real estate market slid in the second week of June 2014.

After a strong first-week in June the total number of valid sales slipped by 9 percent to 100. Sixty-five percent of total transfers this week were valid sales.

While volume was down the average sales price was up nearly 30 percent with an average sales price of $385,545. However, a lot of that growth can be attributed to the top four real estate transactions of the week were over $1,000,000.

Top Five Delaware County Real Estate Sales (June 8-15)

  1. $5,661,000. 8425 Pulsar Place, Columbus. Office Buildings.
  2. $5,439,000. 8410 Pulsar Place, Columbus. Office Buildings.
  3. $1,860,000. 1052 Baybridge Drive, Lewis Center. Condominium Residential Unit. (Recorded as two transfers)
  4. $561,000. 4488 Fox Path Court, Powell. Single-Family Residence
  5. $492,000. 1146 Elderberry Loop, Delaware. Single-Family Residence.

With two transaction topping $10 million it doesn’t take a lot of math to find the reason for a 30 percent growth in prices this week.

Powell Ranked Most Affordable in County?

Powell Ranked Most Affordable in County?

Delaware and Powell named ohio most affordable cites
Delaware and Powell were recently named as two of Ohio most affordable cities. [Toby Boyce /]
The average price of a home in Powell, Ohio is $308,623 over the past 12 months, but that didn’t stop from ranking it among Ohio’s most affordable.

Movoto claims to “make real estate easy” yet they are pumping out information in the form of Top 10 lists that get its name picked up and shared. But the entire method about which they determined the list is invalid.

Here at the Movoto Real Estate Blog, we realize affordability is key, so we compiled a list of places in Ohio and found the top 10 most affordable out of the 173.

  • 4. Powell
  • 8. Delaware

Yet, I’d be hard-pressed to even list these two as the most affordable places to live in Delaware County!

The problem is pretty easy to identify once you look at the criteria used by Movoto to create this list:

  • Food costs
  • Utility costs
  • Total crimes
  • Miscellaneous costs
  • Median home price
  • Unemployment rank
  • Adjusted median income

When look at affordable living everything is relative. By including adjusted median income as a category, Movoto was biasing the results towards more affluent communities – which is why the list was dominated by Central Ohio (8 of 10). The assumption – invalid as it may be – was that the average person living in Powell will make $102,000 regardless of their financial situations.

The adjusted median income — as in higher is better — is not an appropriate measurement when looking at most affordable area to live. I would like this study much better if they’d used median income as relative to median home sale price and/or rent price.

Median Income As Percentage of Home Sale Prices

Okay, so the idea is this. If you are looking for the most affordable home, then shouldn’t the value be showing where homes are the most affordable based on income? The idea is that when you look at Delaware vs. Zanesville, we’d take the average house price divided by the household income. This would create a ratio for how much home the average person can buy in the community. Seems to logical right? Yeah, would make statistics actually less manipulative.

Will have to run some of those numbers in the next couple of weeks, won’t I …

Do Sex Offenders Live Near You?

Do Sex Offenders Live Near You?

delaware ohio,sexual offender, notification, list, email
The Delaware County Sheriff Office’s Web site to track sexual offenders in the County. (Delaware County Sheriff)

Received an alert tonight that a new sex-offender has moved in within two miles of our home in Western Delaware, Ohio.

Do you know how to register for the list?

It’s pretty easy, just click on the link and fill out the form. Then Sheriff Martin’s staff will keep you abreast of adjustments to offenders in your area.

Delaware County Top Five Transactions Last Week

Delaware County Top Five Transactions Last Week

how much home worth  howard hanna delaware ohio toby boyce realtor
Would your home make the top 5 list? Or just curious what it’s worth? Click on the picture to find out!

More than $19,000,000 in real estate changed hands — at least legally — in Delaware County last week according to the Delaware County Auditor’s report.

When looking at just valid sales in the County last week 52 properties were exchanged with an average value of $301,101 per transaction.

  1. $691,900. 10697 Preston Way, Powell, single-family home.
  2. $690,000. 1420 Bean-Oller Drive, Delaware, single-family home.
  3. $632,500. 6460 Mahogany Drive, Galena, residential vacant land.
  4. $600,000. Hollenbeck Road, Lewis Center, residential unplatted 0-09.99 acres. Not a valid sale
  5. $570,000. 5475 Sheffield Drive, Powell, single-family home.

A valid sale is when the home is transferred between two owners in what is known as an “arm-length” transaction.

Top 5 Delaware Real Estate Transfers April 1-7

Top 5 Delaware Real Estate Transfers April 1-7

Top Five Real Estate Transfers

Delaware County, March 31 – April 6
house for sale in delaware ohio toby boyce howard hanna realcom realty
Looking for a three-bedroom ranch in Delaware, Ohio? This is the home for you! Click on the picture for more information. A great buy at $157,900.
  • $1,944,722. 1309 Starbright Crossing, Columbus. Commercial Land.
  • $1,733,640. 8990 Cobalt Moon Crossing, Columbus. Commercial Vacant Land.
  • $1,193,000. 7699 Green Meadows Drive, Lewis Center. Mini storage warehouse.
  • $1,060,000. 8570 Tartan Fields Drive, Dublin. Single-family residence.
  • $958,500. 8933 Quantum Square Drive, Dublin. Single-family residence

Overall a nice week in Delaware, Ohio. Abbreviated report, my apologies, I’ll make it up next week with something really cool and insightful.

Understanding Home Safety Tips for Disabled Residents

Understanding Home Safety Tips for Disabled Residents

If you l know or live with someone that’s dealing with a life altering syndrome, you know that there are several things you should do to keep their living environment safe. The first step you want to take to ensure their environment is safe is to do a thorough walk through of the home.

When looking at the home, take precautions by doing a “protection check” as though you’re the person with the illness. For example, if the person is dealing with autism, there are special steps you can take to make sure his or her safety is number one. Using the proper locks and alarm in the home is a great first step. Another alternative step you can take is to provide a medical ID bracelet for the individual dealing with the syndrome.

Feel free to read more about keeping your home safe for those with medical issues in the following infographic.

Created by the team at Sticky Jewelry.

Attorney General Files Lawsuit for Mortgage Relief Fraud

Attorney General Files Lawsuit for Mortgage Relief Fraud

Ohio Attorney General Mike DeWine recently announced a lawsuit against Home Remedy Center of Newport Beach, California, for failure to deliver and failure to provide refunds for its home loan modification service. Attorney General DeWine seeks consumer restitution, injunctive relief, and civil penalties.

“Consumers paid thousands of dollars thinking they would get help adjusting their mortgage loans,” Attorney General DeWine said. “Instead they received essentially nothing in return and lost the money they paid to the business. We won’t stand by when a business targets consumers, takes their money, and provides no real help.”

delaware ohio  mortgage fraud toby boyce howard hanna
Ohio Attorney General Mike DeWine has filed a lawsuit after mortgage debt relief company steals Delaware County home owner’s money. [photo Jason Morrison/stock.xchng]

Through mail and online ads, Home Remedy Center offered to help consumers avoid foreclosure by working with the consumers’ lenders to negotiate a loan modification or otherwise adjust their debt. After accepting fees typically ranging from $3,500 to $5,000, the business did little or no work to help consumers and failed to provide refunds.

The Attorney General’s Office is aware of nine complaints against the business filed with the Attorney General or the Better Business Bureau. In one case, a Delaware County consumer paid Home Remedy Center $3,900 and stopped making her mortgage payments, according to the business’ instructions, but she never received a loan modification or a refund. Another Delaware County consumer paid Home Remedy Center $5,000 but never received a modification or a refund.

The Attorney General’s lawsuit, filed in the Delaware County Common Pleas Court, charges the business and its owner, Pamela Gressier of Huntington Beach, California, with violating Ohio’s Consumer Sales Practices Act and Debt Adjusters Act.

Consumers who are worried about foreclosure should keep the following in mind:

  • Do not pay up-front fees for help avoiding foreclosure or obtaining mortgage relief. Companies may not collect fees for mortgage assistance relief services until consumers receive and accept a loan modification offer from their lenders.
  • Research a business before providing any payments or personal information. Check to see if consumers have filed complaints with the Ohio Attorney General’s Office and check a company’s reputation with the Better Business Bureau.
  • Don’t trust businesses that tell you to stop making your mortgage payments.
  • Contact Save the Dream Ohio for foreclosure assistance. Call 888-404-4674 or online at online or by calling 800-282-0515.