Melissa L. Erbaugh - Gillen Group - Powered by Keller Williams

09/29/2026

Once you hit 20% equity in your Miamisburg home, that PMI payment doesn't have to stick around forever. Most lenders will drop it once your loan-to-value hits 80%, but you have to stay on top of it and actually request the removal. The key is keeping a clean payment history and tracking that equity number so the moment arrives, you're ready to act on it. Those monthly savings add up fast once PMI is gone.

09/25/2026

The Pine Club has been doing the exact same thing since 1947, and somehow that's what makes it legendary. Jim Sullivan paneled those walls in pine and built a menu that the New York Times has called one of the world's greatest traditional dining establishments. Cash, no reservations, no fuss. Dayton has known what the rest of the world is still catching up to.

09/24/2026

Front Street Artists has been the creative heart of Dayton's oldest warehouse district for six decades, housed in three brick buildings that have been standing since 1850. Over 150 artists work across these spaces right now, from glassblowing to woodworking to photography, and the energy shifts depending on when you visit. First Friday Art Hop from 5 to 9pm is when most studios open their doors at once, though Saturday is another solid option if you want to catch the most activity. It's one of those places that reminds you what happens when creative people find affordable space and actually use it.

09/22/2026

There's this idea floating around that you need 20% down to buy a home, but the truth in Butler County is a lot more flexible than that. FHA loans start at 3.5%, conventional at 3%, and if you're military or rural, you might qualify for zero down. There are also local down payment assistance programs here that can help bridge the gap. Your actual number depends on your situation, not some one-size-fits-all rule.

09/21/2026

A sewer scope inspection might sound unglamorous, but it's genuinely one of the smartest moves you can make before listing a Dayton property. Collapsed lines can run anywhere from three to twenty-five thousand dollars to fix, and buyers absolutely will walk if they find out during their own inspection. The real power is getting ahead of it yourself, a thirty to sixty minute scope with video documentation gives you the facts you need to negotiate confidently, whether that's repairs, price adjustments, or credits. When you know what's underground, you control the conversation. Dayton homes deserve this kind of clarity before they hit the market.

09/18/2026

That building at Valley Street has stories to tell. Amber Rose has been serving the founder's Eastern European recipes without changing a thing since 1990, and the space itself is even older, a 1910 general store that survived the Great Flood and a fire before becoming what it is today. The stained glass and that Turkish marble bar are still there, reminding you you're eating in a piece of Old North Dayton's real history. The pierogies and Lithuanian cabbage rolls taste like they've been made the same way for decades because they have.

08/05/2026

🚨 Price Improvement!🚨

Your opportunity just got even better! 🏡

✨ Clearcreek Township
🎓 Springboro Schools
💲 Now priced under $400,000

This beautifully updated 3-bedroom, 2-bath brick ranch now comes with a new price! Featuring fresh paint, new kitchen appliances, an updated primary shower, new light fixtures, and a spacious layout, this move-in ready home has so much to offer.

Step outside and enjoy the peaceful backyard overlooking a pond, the perfect place to relax after a long day.

📲 Don’t wait. Schedule your private showing today before someone else calls it home!

07/25/2026

🏡Open House🏡

📆Saturday July 25th 11-1
📍124 Sue Dr Germantown, OH

06/04/2026

06/04/2026

🏡 OPEN HOUSE 🏡

• Thursday, June 4th
• 5:30 - 7:30 PM

Experience luxury living in this stunning Germantown home! ✨
✔️ 5 Bedrooms
✔️ 3 Full Bathrooms
✔️ Fully Remodeled Designer Kitchen
✔️ Quartz Countertops & Two Oversized Islands
✔️ Finished Basement with Custom Built-In Bar
✔️ Above-Ground Pool & Spacious Deck
✔️ Large Yard & 3-Car Garage

Designed for both everyday living and unforgettable gatherings, this home offers vaulted ceilings, open living spaces, high-end updates throughout, and an incredible lower level perfect for entertaining family and friends.

Stop by and see everything this exceptional home has to offer!

📲 Message me for your own private showing!