Moving to and Living in Dayton

Moving to and Living in Dayton HER, LLC merged with Howard Hanna® Real Estate Services in April, 2022 making us the #1 brokerage

09/21/2026

Ever been turned down for a mortgage and told to just "wait a while"? Before you give up, watch this. 🏠☕

My latest Koffee w/Kim & Kolleagues guest, Daniel "DJ" Sessions of Sessions Lending Group, revealed something most buyers never hear: when the automated system returns "REFER," that's not a denial. It means your loan needs a human touch — manual underwriting.

Many loan officers stop right there. DJ reads the findings, finds the lender who will actually do the loan, and gets you to the closing table.

One lender's "no" may not be your final answer. Let's talk about YOUR options.

📞 937-286-0410
📩 [email protected]
🌐 kimwilliams.howardhanna.com

09/19/2026

Ever wonder what the difference is between a mortgage broker, a bank, and a credit union? 🏠☕

My latest Koffee w/Kim & Kolleagues guest, Daniel "DJ" Sessions of Sessions Lending Group, broke it down in plain English: a broker is an intermediary with wholesale access to multiple lenders — while a bank or credit union can only offer their own set of programs.

Translation: if one lender tells you no, that doesn't mean the answer is no. There may be another door.

Watch the full clip, then let's talk about YOUR options.

📞 937-286-0410
📩 [email protected]
🌐 kimwilliams.howardhanna.com

Happy Labor Day, family! 💜We work hard for our money — and today is our day to relax and rejuvenate. Whether you're gril...
09/07/2026

Happy Labor Day, family! 💜

We work hard for our money — and today is our day to relax and rejuvenate. Whether you're grilling out, enjoying family time, or just putting your feet up, I hope your day is blessed and restful. You've earned it!

I'm giving thanks today for this wonderful community, for my amazing clients, and for everyone who works hard every single day to make the Dayton area a great place to call home. 🙏🏾

And when you're back to your home journey, just know I'm a call or text away. 🏡

Be blessed and stay safe out there!

📞 937-286-0410
📧 [email protected]
🌐 kimwilliams.howardhanna.com

09/01/2026

🚫 MYTH: You need 20% down to buy a house. FACT: You don't!

In this clip from Koffee w/Kim & Kolleagues, Tammy Koller with Howard Hanna Mortgage breaks down the 20% down myth and reveals programs that offer 100% financing with NO PMI!

Key takeaways:
1. 20% down only helps you avoid Private Mortgage Insurance (PMI) — it's NOT a requirement
2. Howard Hanna Mortgage has 100% financing programs with no PMI
3. OHFA (Ohio Housing Finance Agency) offers down payment assistance
4. There's even a 15% down no PMI loan so you can keep cash for home repairs

Don't let the 20% myth keep you on the sidelines!

Tammy Koller, Howard Hanna Mortgage: 937-475-0035
Kim Williams, Howard Hanna Real Estate: 937-286-0410
kimwilliams.howardhanna.com
[email protected]

☕ KOFFEE w/KIM & KOLLEAGUES — Tomorrow!Join Kim Williams and special guest Tammy Koller, Howard Hanna Mortgage, for Koff...
08/17/2026

☕ KOFFEE w/KIM & KOLLEAGUES — Tomorrow!

Join Kim Williams and special guest Tammy Koller, Howard Hanna Mortgage, for Koffee w/Kim & Kolleagues!

🗓️ Tuesday, August 18 at 10:00 AM
📍 Facebook Live
☕ Grab your coffee and tune in!

Tammy will be breaking down everything you need to know about mortgage financing, down payment assistance programs, and how to get yourself ready to buy.

Set your reminders — you won't want to miss this one!

📞 937-286-0410
[email protected]
kimwilliams.howardhanna.com

08/17/2026

🎁 Two bonus funding sources most buyers don't know about:

1️⃣ Gift funds — family or close relatives can gift you money toward your down payment (documentation required — your lender will walk you through it)

2️⃣ Retirement account withdrawals — if you have an IRA or similar retirement account, you may be able to withdraw funds toward your home purchase

These aren't loopholes — they're legitimate options that many buyers overlook. Talk to your lender to see if either applies to your situation.

📞 937-286-0410

08/17/2026

💍 Date the rate, marry the house — smart advice, but with a BIG caveat.

Yes, find a home you love and don't let today's interest rate scare you off. You can refinance later when rates come down.

BUT — this only works if you:
✅ Maintain your credit score
✅ Keep stable employment
✅ Can comfortably afford the monthly payment at the current rate

If buying at today's rate means you can't pay your other bills or enjoy life? Don't do it. A beautiful house you can't afford isn't a dream home — it's a trap.

Date the rate. Marry the house. But make sure you can afford the relationship. 💡

📞 937-286-0410

Address

Dayton, OH
45414

Telephone

(937)2860410

Website

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