• Realtor Tip: 2023 Year End Real Estate Sales,David Campbell

    Realtor Tip: 2023 Year End Real Estate Sales

            Realtor Tip: 2023 Year End Real Estate Sales   Ever wonder which communities in the Dayton, OH area had the most sales? The highest average sale price? Well, you are in luck!  The 2023 year-end real estate sales stats are in for the Dayton, Ohio area. When I’m working with out of town buyer

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  • VA Funding Fee,David Campbell

    VA Funding Fee

    VA Funding Fee While VA loans don’t require a down payment they do have a 2.15% funding fee due at closing on a first time use. If you have a subsequent loan the fee increases to 3.3%. This is significant considering there are 3% down Conventional loans available and 3.5% FHA loans. This VA funding

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  • PMI in my Mortgage Explained? ,David Campbell

    PMI in my Mortgage Explained?

      PMI in my Mortgage Explained?  If you put less than 20% down to purchaser your home with a conventional loan, then you are paying PMI in your mortgage each month. PMI is an acronym for Private Mortgage Insurance and it protects the lender if you stop making payments. A lender has a higher risk o

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