Phillip Garrett

03/03/2026

Take that tax return and get into a home this Spring

MORTGAGE RATE FALLS: The average 30-year fixed mortgage rate has slipped below a key barrier, falling to 5.98% this week — the first time it has dipped under 6% since September 2022.

03/03/2026

01/27/2026

Exciting Tax Season Tip for Future Homeowners! Got a tax refund coming your way? Here's a game-changer: You can use it toward your down payment on an FHA loan!FHA loans make homeownership more accessible with just a 3.5% down payment (if your credit score is 580+), or 10% for lower scores. That means even a modest refund can get you started—especially on affordable homes in the Dayton area!For example:A $3,300 average refund could cover the full 3.5% down on a ~$94,000 home.
Or make a big dent on a $300,000 home (about $10,500 needed).

Your tax refund counts as your own funds—perfectly acceptable for FHA! (Just make sure it's documented properly with your lender—no borrowed money like loans against expected refunds.)If you're thinking about buying in Dayton, Beavercreek, Centerville, Kettering, or near Wright-Patterson AFB, let's chat! As a veteran Realtor®, I specialize in helping buyers (including military families) use every advantage—like VA loans, FHA options, and smart down payment strategies—to make homeownership happen.Don't let that refund sit in savings—turn it into equity! DM me or comment below to discuss your situation. Let's get you pre-approved and ready to move. (Always consult a qualified lender for your specific situation—rules can vary!)

06/20/2025

How amazing to get this kind of recommendation from a client.

See more: https://www.realsatisfied.com/Phillip-Garrett

06/19/2025

From the bottom of my heart, thank you for this recommendation.

See more: https://www.realsatisfied.com/Phillip-Garrett

06/14/2025