Jon McGinnis Real Estate

06/18/2026

It's that time of year again!

06/18/2026

If your waiting for a better interest rate, check out this infographic. Rates really aren't bad at all right now, just take a look at the history. They're still great. Based on the historical growth of pricing, you probably won't beat the price increase by waiting. Seize Today!

06/18/2026

Most first-time buyers don’t know there’s a difference between pre-qualification and pre-approval — and it can cost them a house.

Pre-qualification is a quick estimate. You tell a lender your income, debts, and assets, and they give you a ballpark number. Typically no verification, typically no credit pull. It takes about five minutes and carries little weight with a seller.

Pre-approval is the real thing. The lender pulls your credit, verifies your income, reviews your bank statements, and issues a conditional commitment to lend you a specific amount. Sellers and their agents can tell the difference immediately.

In a competitive market, an offer with a pre-qualification letter is a liability. An offer with a pre-approval letter is a serious buyer.

If you’re thinking about buying in the Centerville area — even six months from now — start with pre-approval, not pre-qualification. You’ll know exactly what you can afford, and you’ll be ready to move when the right home shows up.

06/09/2026

06/09/2026

This is promising!
"The Dayton, Ohio housing market is experiencing steady price appreciation and rising activity as the peak spring-summer season shifts into gear. While local real estate continues to trend upward at a measured pace rather than seeing explosive boom-or-bust spikes, a mix of strong buyer demand, high investor activity, and commercial real estate shakeups are currently defining the Miami Valley." - DaytonRealtors . org

06/06/2026

1. How long has it been on the market? Days on market tells you a lot. A home sitting for 45 days has more negotiating room than one that listed Thursday.
2. Has the price been reduced? How many times and by how much. That history shapes your offer strategy before you write a single number down.
3. Is there a pre-listing inspection report? Some sellers complete inspections before listing. If one exists, ask for it. It tells you what you are walking into before you are under contract.
4. What is staying and what is leaving? Appliances, fixtures, window treatments. Get clarity before you get attached to anything.

About the sellers:

5. What is their timeline? A seller who needs 60 days to find their next home values flexibility. Sometimes that matters more to them than a higher price.
6. Have there been any prior offers? If a deal fell through, find out why. Financing issues and failed inspections tell very different stories.

About your position:

7. Can I actually afford this home? Not just the mortgage. Property taxes, insurance, HOA fees, utilities, and maintenance. The monthly payment is never the whole number.
8. Am I ready or am I reacting? Open houses create real urgency. Before you write an offer, make sure the decision is yours and not the room’s.

Jon McGinnis - OwnerLand Realty
937-993-9800
[email protected]

06/05/2026

Looking to Buy a Home soon?
What are the challenges you are facing? Maybe it's one of these...or perhaps it's something else? Comment below.

Jon McGinnis - OwnerLand Realty
937-993-9800
[email protected]

05/29/2026

Looks like a beautiful weekend for House Hunting! If you would like to go check out some homes and talk about the next steps, LET'S GO! Give me a call or shoot me a message. I love real estate and helping people! 937-993-9800 is my cell.

Check out my post with the UPDATED LIST of Homes on the Market...
https://www.facebook.com/share/p/18wwDPCMDF/

05/29/2026

Given the challenges we are all facing these days, in my opinion this is pretty good -- all things considered. What's your opinion? Let me know your thoughts in the comments below.

Like, Follow, and Share.

Jon McGinnis - OwnerLand Realty, Inc.
937-993-9800

05/25/2026

Not surprising.

You’ve probably asked yourself lately: Is it even worth trying to buy a home right now? It’s a question a lot of people are asking.