Posts made by author 'Jay Mattlin'

If you have ever been in the market for a house, you are familiar with a preapproval. If not, a preapproval is a letter from a mortgage lender stating that they have reviewed your financial status and have determined that you meet their borrowing guidelines for obtaining a mortgage to purchase a house.

So first things first – you find a REALTOR (like me) – and I will begin asking you questions about what you are looking for. Likely, the first, or close to the first, question that I will ask is if you are preapproved and for how much.

I know, I know, this question is a very personal and private one – heck, I know couples who have been together for a year or so and still have not discussed their finances with each other so why discuss it with this random person who is helping you find a home? I get it. Sometimes it is an uncomfortable question for me to ask. However, it is very important for me to know.

1. So let's discuss the elephant in the room f...

Click Here to Read More...

If you have ever been in the market for a house, you are familiar with a preapproval. If not, a preapproval is a letter from a mortgage lender stating that they have reviewed your financial status and have determined that you meet their borrowing guidelines for obtaining a mortgage to purchase a house.
 

So first things first – you find a REALTOR (like me) – and I will begin asking you questions about what you are looking for. Likely, the first, or close to the first, question that I will ask is if you are preapproved and for how much.

I know, I know, this question is a very personal and private one – heck, I know couples who have been together for a year or so and still have not discussed their finances with each other so why discuss it with this random person who is helping you find a home? I get it. Sometimes it is an uncomfortable question for me to ask. However, it is very important for me to know.

1. So let's discuss the elephant in the...

Click Here to Read More...

This week, October 9-15, 2016, is National Fire Prevention Week. House fires occur more often in the upcoming months than in any other months. This is generally due to the holidays and having more cooking going on and having decorations plugged in.

Now is a good time to check your fire extinguishers and make sure they are still good to go. Most newer fire extinguishers will have a pressure gauge on them. If the needle is in the green area, the extinguisher is still okay to use. If it is not in the green area, consider having the extinguisher replaced or serviced by a professional.

Speaking of fire extinguishers, the best place to have one is obviously in your kitchen. Experts recommend that the extinguisher be in clear and plain view and accessible in the event of a fire. This means, please do not put it in a cabinet or on top of the fridge behind a bunch of stuff. Experts also say the best place to put it is not near the stove. In the event of a fire, you may have...

Click Here to Read More...

2016 will mark my 29th Fairfield County Fair. I love the fair. Lancaster and Fairfield County are near and dear to my heart but the Fairfield County Fair is something. I've never been to another county fair so I guess I'm biased but the Fairfield County Fair is the last and the best fair in Ohio. I have heard people say it is better than the Ohio State Fair which I would honestly believe.

I love the fair not just for the food and the shows but because I get to see people who I do not see very often. I get to see the pride people take in their hard work over the last year in raising animals, preparing for livestock shows and even growing the county's tallest sunflower. It is a week long celebration of the heritage and pride we all hold for Fairfield County and Lancaster.

I have seen many county fairgrounds be...

Click Here to Read More...

It sounds technical, but this topic is not. It is about protecting yourself in the day and age of technology. Fraud can happen anywhere and anyone can be a victim. It would seem that the easiest way to gather information from unsuspecting victims is through a method called social engineering.

No – it has nothing to do with engineering. In this context, social engineering is the act of using established trust to gain information about someone in order to exploit their technology in a manner that would harm them.

A good example of this in a real estate transaction is wire fraud. You're currently in contract to buy a house and you receive an email (seemingly) from your Realtor that instructs you to wire $10,000 to the title company in order for the transaction to proceed. Trusting your agent, you call your bank and have the transfer setup to the account indicated in the email you have received. You call your agent to tell them you have transferred the mon...

Click Here to Read More...