Linda Atwood at ERA Martin & Associates

02/19/2026

I was happy to get 2 miles in today at ZT track. Granted I had to use the walker but first time since I broke my hip 10/31 that I got 2 miles in. I’ve gotten 1.5 twice but the weather hasn’t cooperated.

10/14/2025

Anyone have a newer listing on SR 93?

11/04/2024

I so dislike time change

09/04/2024

Does anyone have or know of any rentals available in Ross County? Asking for a friend

05/22/2024

How much are closing costs for the buyer?

After diligently saving for a down payment, finding the perfect home, and getting a mortgage, closing costs can come as a surprise. After all, closing costs for buyers typically add up to 2% – 5% of the home's purchase price.
Closing costs include expenses related to buying, financing, and owning the home. To buy and finance the property, you'll pay various one-time fees to your lender and third parties to process your loan application and ensure the house is a good investment (for you and the bank). And as a homeowner, you'll prepay some property-related costs, including property taxes, homeowners' insurance, and mortgage insurance. Knowing what closing costs cover — and what they cost — can help you budget and prepare for a smooth closing.

One-time buyer closing costs
By law, lenders must give you a list of closing costs via a Loan Estimate within three days of receiving your mortgage application. The same closing costs will appear on your Closing Disclosure document unless exceptional circumstances apply — for example, you switch to a shorter loan term. Some closing costs vary by lender, so it pays to shop around and compare Loan Estimates before making any decisions.
How much are closing costs for the buyer?
After diligently saving for a down payment, finding the perfect home, and getting a mortgage, closing costs can come as a surprise. After all, closing costs for buyers typically add up to 2% – 5% of the home's purchase price.

Closing costs include expenses related to buying, financing, and owning the home. To buy and finance the property, you'll pay various one-time fees to your lender and third parties to process your loan application and ensure the house is a good investment (for you and the bank). And as a homeowner, you'll prepay some property-related costs, including property taxes, homeowners' insurance, and mortgage insurance. Knowing what closing costs cover — and what they cost — can help you budget and prepare for a smooth closing.
One-time buyer closing costs
By law, lenders must give you a list of closing costs via a Loan Estimate within three days of receiving your mortgage application. The same closing costs will appear on your Closing Disclosure document unless exceptional circumstances apply — for example, you switch to a shorter loan term. Some closing costs vary by lender, so it pays to shop around and compare Loan Estimates before making any decisions.

05/21/2024

Thinking a 30-year fixed-rate loan is your only option? 🏡💭 Let’s think again! While it’s the classic choice for many homebuyers, it’s not a one-size-fits-all deal.

Ever considered an adjustable-rate mortgage (ARM)? Perfect for those who plan on moving before rates change or if you’re eyeing a home that’s just out of reach with fixed rates. 🔄 Or, if you’ve got the budget, why not look into a 15-year loan? Yes, the payments are higher, but the interest savings? Huge!

So before you lock in for the long haul, let’s explore all your options to find the perfect match for your financial future.

05/20/2024

RESIDENTIAL LENDING

Homeownership
Notice: The links on this page will direct you towards our home buyer website located at myohiohome.org
Ready to open the door to a home of your own? The Ohio Housing Finance Agency's (OHFA) homeownership products can help. Thousands of low- and moderate-income Ohioans have purchased homes of their own thanks to OHFA. The competitive interest rates and mortgage options on our 30-year, fixed-rate mortgage loans make it affordable for qualifying buyers to realize the dream of homeownership. Whether you are a first-time homebuyer or looking to purchase your next home, OHFA can help.

OHFA offers several affordable loan options to help you achieve your dream of homeownership. OHFA offers 30-year, fixed rate FHA, VA, USDA-RD and conventional mortgage loans designed especially for homebuyers with low- and moderate-incomes with generous income and purchase price limits.

OHFA offers down payment assistance, career-related interest rate discounts and other loan products to make buying a home or condo easier.

05/16/2024

Does selling as-is lose you money?

It’s hard to set a specific percentage on how much more, or less, you will make on an as-is sale versus fixing the home up before listing it. Much depends on the condition of the property, its location and how competitive the local real estate market is. In a strong seller’s market, the offer price gap typically found between an as-is sale and a regular sale will be smaller. And if a home is on a prime piece of property or in a highly desirable neighborhood — especially one that doesn’t see new listings often — its condition matters less because the location is paramount. But on the whole, it makes sense to expect lower offers when buyers know they will have to invest more money into repairs once they own the home.

05/14/2024

Why hire a real estate agent to sell your home?

Selling your home is an emotional process. Having an agent keeps you one step removed and less likely to make mistakes, such as overpricing your home, refusing to counter a low offer, or giving in too easily with a deadline for selling. An agent can take the sting out of rejection and put a positive spin on any negative feedback.

Realtors are available when a buyer wants to see the house, focus on marketing, and answer inquiries and questions about the property. In an FSBO, the homeowner must tackle these jobs while managing their schedules and careers. It’s also awkward for buyers to have the seller present, rather than the seller’s agent when they’re touring the home.

05/13/2024

What are the benefits of selling your home with a realtor?
Selling a house can be a full-time job. If you already have your own job and family responsibilities, it may be tough setting aside the extra hours it will take to market and sell your home. A realtor handles a lot of things behind the scenes, including:
Staging and photography: Many real estate companies work with home stagers and professional photographers who know exactly how to present your house to make it as attractive as possible to potential buyers.
Pricing the house: Professional agents understand the local market well, so they'll know how to price your house to appeal to buyers while also helping you get the best profit. There's less risk of over or underpricing your listing.
Marketing: Licensed real estate agents have access to a website called the Multi Listing Service (MLS). This is the primary way buying agents find listings to share with their clients. If you don't have your real estate license, you won't be able to post your FSBO listing on MLS.
House showings: A real estate agent will handle any open houses or one-on-one home showings, so you don't need to worry about changing your schedule or leaving work early to meet potential buyers. Many potential buyers also feel more comfortable viewing a house with a third party.
Legal paperwork: Realtors need to take classes and renew their licenses every couple of years to ensure they're up to date on all the legal processes involved in selling a house. If you choose to go the FSBO route, you may want to hire a real estate lawyer to help you with the paperwork to make sure everything is done by the book.

12/01/2023

Poor little guy got his finger shut in the door jam. It’s broken. He looks way more relaxed in this picture.