Date Archives: May 2016

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Community | 7 Posts
Outdoors | 1 Posts
Press Release | 30 Posts
Stark County | 11 Posts
Summit County | 2 Posts
May
23

 

North Canton, Ohio – DEHOFF REALTORS® welcomes Erin Miller to its team of real estate professionals.  Prior to becoming a REALTOR®, Miller worked in the sales and customer service industry for 10 years.  In addition, she studied Hospitality Management at Columbus State Community College.  Having earned her Real Estate Certification from Hondros College of Business, she is eager to apply her knowledge and practical experience to serve her clients and meet their real estate needs. 

 

"I truly enjoy assisting my clients as they begin an exciting new chapter in their lives," says Miller.  "I'm blessed to have the ability to see the potential in properties.  I utilize my unique perspective to work tirelessly towards helping my clients achieve their real estate goals and dreams of homeownership," she continues.

 

Miller was born and raised in Stark County, and is proud to call the area home.  She enjoys decorating, repurposing antique furniture, golfing, traveling, knitting, sewing, gardening, playing with her dog, Bogey, and spending quality time with family and friends.

 

Choose a REALTOR® with a unique perspective and achieve your real estate goals.  Contact Miller at 330-268-4222 or emiller@dehoff.com and GET MOVING!

 

DEHOFF REALTORS® has been serving the real estate needs of the greater Akron-Canton region for over 50 years.  DEHOFF REALTORS® is founded on the principals of uncompromising ethics and a dedication to serving each client, customer, employee and sales professional with high quality, ethical service that exceeds expectations.  DEHOFF REALTORS® full-time real estate professionals have received numerous awards both nationally and locally.  The DEHOFF REALTORS® corporate office is located at 821 South Main Street in North Canton.  To contact a real estate professional, call 330-499-8153.

May
20

North Canton, Ohio – DEHOFF REALTORS® introduces Ruthanne Mancini-Wilkof as its newest real estate professional.  Ruthanne specializes in premier real estate, vacant land, residential sales, and commercial.  Her extensive experience in the banking industry, her business integrity and her knowledge of the local community provides clients with a unique perspective when buying or selling a home.  A focused listener, able advisor, and fierce yet fair client advocate, she is known for her intuition and diligence while employing encouragement and genuine concern in creating a positive experience for both sides of any property transaction.  Her business strategy is direct and successful; listening to the client's needs and matching their goals with the right option and perfect property, while at all times assuring an honest and efficient transaction.  Ruthanne prides herself on providing an unparalleled service and thrives in developing long-term relationships and achieving success for each and every client.

 

Ruthanne has been a volunteer and community leader for over 40 years.  In 2003-2004 she received the "Volunteer of the Year Award" given by the Paul & Carol David YMCA while serving on the board.  She was a member of the Jackson Local Schools Key Communicator, Class of 2007 and was presented with the Certificate of Appreciation Award from the Jackson Township Trustees for the first annual Arts in Jackson Park event.  Ruthanne was the President & CEO of the Jackson-Belden Chamber of Commerce for nine and a half years.  During that time she won the 2005 "Outstanding Professional of the Year" award presented by the Chambers of Commerce of Ohio, becoming the first award-winner in the area since 1993.  Also she oversaw the Chamber's major fundraiser, the Jackson-Belden Food Fest and Fireworks.  During her tenure as President & CEO, the Jackson-Belden Chamber of Commerce grew from 211 members to 800 members.  Ruthanne willingly continues to serve on numerous boards and committees throughout the community.

 

Ruthanne is a Canton native.  She and her husband, Ron, moved to Glenmoor in Jackson Township in 2000.  Throughout her 40 years of career experience she has worked for many of the top banking institutions in the area and has built an extensive resource network to help her clients in every step of the transactional process.  Contact Ruthanne today for all your premier real estate buying and selling needs at 330.324.0573 or rwilkof@dehoff.com.  She is eager and passionate to meet with you and discuss how to reach your real estate goals.

 

DEHOFF REALTORS® has been serving the real estate needs of the greater Akron-Canton region for over 50 years.  DEHOFF REALTORS® is founded on the principals of uncompromising ethics and a dedication to serving each client, customer, employee and sales professional with high quality, ethical service that exceeds expectations.  DEHOFF REALTORS® full-time real estate professionals have received numerous awards both nationally and locally.  The DEHOFF REALTORS® corporate office is located at 821 South Main Street in North Canton.  To contact a real estate professional, call 330-499-8153.

May
17

How strong is your credit? Cleaning up your credit is essential before you make any major financial moves. Having a bad score can hurt your chances of being able to open a credit card, apply for a loan, purchase a car, or rent an apartment.

 

It is especially important to have clean credit before you try to buy a home. With a less-than-great score, you may not get preapproved for a mortgage. If you can't get a mortgage, you may only be able to buy a home if you can make an all-cash offer.

 

Or if you do get preapproval, you might get a higher mortgage rate, which can be a huge added expense. For example, if you have a 30-year fixed rate mortgage of $100,000 and you get a 3.92% interest rate, the total cost of your mortgage will be $170,213. However, if your interest rate is 5.92%, you'll have to spend $213,990 for the same mortgage  - that's an extra $43,777 over the life of the loan! If you had secured the lower mortgage rate, you could use that additional money to fund a four-year college degree at a public university.

 

So now that you know how important it is to maintain a good credit score, how do you start cleaning up your credit? Here, we've collected our best tips for improving your score.

 

Talk to a loan professional

 

You can protect your score from more damage by getting a loan professional to check your credit score for you. A professional will be able to guide you to whether your score is in the 'good' range for home buying. Plus, every time that you request your own credit score, the credit companies record the inquiry, which can lower your score. Having a professional ask instead ensures that you only record one inquiry. Once you know your score, you can start taking action on cleaning up your credit.

 

Change your financial habits to boost your score

 

What if your score has been damaged by late payments or delinquent accounts? You can start repairing the damage quickly by taking charge of your debts. For example, your payment history makes up 35% of your score according to myFICO. If you begin to pay your bills in full before they are due, and make regular payments to owed debts, your score can improve within a few months.

 

Amounts owed are 30% of your FICO score. What matters in this instance is the percentage of credit that you're currently using. For example, if you have a $5000 limit on one credit card, and you're carrying a balance of $4500, that means 90% of your available credit is used up by that balance. You can improve your score by reducing that balance to free up some of your available credit.

 

Length of credit history counts for 15% of your FICO score. If you're trying to reduce debt by eliminating your credit cards, shred the card but DO NOT close the account. Keep the old accounts open without using them to maintain your credit history and available credit.

 

Find and correct mistakes on your credit report

 

How common are credit report mistakes? Inaccuracies are rampant. In a 2012 study by the Federal Trade Commission, one in five people identified at least one error on their credit report. In their 2015 follow-up study, almost 70% thought that at least one piece of previously disputed information was still inaccurate.

 

Go through each section of your report systematically, and take notes about anything that needs to be corrected.

 

Your personal information

Start with the basics: often overlooked, one small incorrect personal detail like an incorrect address can accidently lower your score. So, before you look at any other part of your report, check all of these personal details:

 

  • Make sure your name, address, social security number and birthdate are current and correct.
  • Are your prior addresses correct? You'll need to make sure that they're right if you haven't lived at your current address for very long.
  • Is your employment information up to date? Are the details of your past employers also right?
  • Is your marital status correct? Sometimes a former spouse will come up listed as your current spouse.

 

Your public records

This section will list things like lawsuits, tax liens, judgments, and bankruptcies. If you have any of these in your report, make sure that they are listed correctly and actually belong to you.

 

A bankruptcy filed by a spouse or ex-spouse should not be on your report if you didn't file it. There shouldn't be any lawsuits or judgments older than seven years, or that were entered after the statute of limitations, on your report.  Are there tax liens that you paid off that are still listed as unpaid, or that are more than seven years old? Those all need to go.

 

Your credit accounts

This section will list any records about your commingled accounts, credit cards, loans, and debts. As you read through this section, make sure that any debts are actually yours.

 

For example, if you find an outstanding balance for which your spouse is solely responsible, that should be removed from your report. Any debts due to identity theft should also be resolved. If there are accounts that you closed on your report, make sure they're labeled as 'closed by consumer' so that it doesn't look like the bank closed them.

 

Your inquiries

Are there any unusual inquiries into your credit listed in this section? An example might be a credit inquiry when you went for a test drive or were comparison shopping at a car dealer. These need to be scrubbed off your report.

 

Report the dispute to the credit agency

 

If there are major mistakes, you can take your dispute to the credit agencies. While you could send a letter, it can be much faster to get the ball rolling on resolving a mistake by submitting your report through the credit agency's website. Experian, Transunion and Equifax all have step-by-step forms to submit reports online.

 

If you have old information on your report that should have been purged from your records already, such as a debt that has already been paid off or information that is more than 7 years old, you may need to go directly to the lender to resolve the dispute.

 

Follow up

 

You must follow up to make sure that any mistakes are scrubbed from your reports. Keep notes about who you speak to and on which dates you contacted them. Check back with all of the credit reporting companies to make sure that your information has been updated. Since all three companies share data with each other, any mistakes should be corrected on all three reports.

 

If your disputes are still not corrected, you may have to also follow up with the institution that reported the incident in the first place, or a third-party collections agency that is handling it. Then check again with the credit reporting companies to see if your reports have been updated.

 

If you can keep on top of your credit reports on a regular basis, you won't have to deal with the headaches of fixing reporting mistakes. You are entitled to a free annual credit report review to make sure all is well with your score. If you make your annual credit review part of your financial fitness routine, you'll be able to better protect your buying power and potentially save thousands of dollars each year.

 

How to clean up your credit now

 

Does your credit score need a boost so you can buy a home? Get in touch with me. I can connect you with the right lending professionals to help you get the guidance you need.

May
16

 

North Canton, Ohio – DEHOFF REALTORS® welcomes Dawn Hart to its team of real estate professionals.  Prior to becoming a REALTOR®, Hart worked for 34 years in the field of developmental disabilities.  She served as Director of the Service and Support Administration Division, and developed the Clinton County Board of Developmental Disabilities Nonprofit Housing Corporation.  Along with many volunteer projects, she also served as Chairperson of the Clinton County Regional Planning Commission.    

 

"I bring professional, customer-driven services to the real estate industry," says Hart.  "I value the relationship I build with my clients. Their goals are my highest priority," she continues.

 

Hart is a graduate of Wittenberg University, where she earned two Bachelor's degrees, one in Psychology and the other in Sociology, as well as her Teaching Certification.  She is an active member of the Louisville Booster Club, Louisville Community Choir, and Holy Trinity Lutheran Church.  She enjoys casual outdoor activities, baking, singing, volunteering in her community, photography and traveling. 

 

Contact Hart at 330-515-0239 or dhart@dehoff.com to partner with a REALTOR® who is committed to helping you accomplish your real estate goals.

 

DEHOFF REALTORS® has been serving the real estate needs of the greater Akron-Canton region for over 50 years.  DEHOFF REALTORS® is founded on the principals of uncompromising ethics and a dedication to serving each client, customer, employee and sales professional with high quality, ethical service that exceeds expectations.  DEHOFF REALTORS® full-time real estate professionals have received numerous awards both nationally and locally.  The DEHOFF REALTORS® corporate office is located at 821 South Main Street in North Canton.  To contact a real estate professional, call 330-499-8153.

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