Beverly Esterline Howard Hanna

Beverly Esterline Howard Hanna Helping others make their dreams of buying or selling s home come true. Let Me Guide You Home

06/03/2026

ATTENTION FIRST TIME BUYERS! CHECK THIS OUT.

If you’ve been waiting for the right time to buy a home, THIS IS IT!! Ohio Housing Finance Agency (OHFA) just dropped their interest rates significantly, creating an incredible opportunity for home buyers! 📉✨
Here is what you need to know about these premium financing options:
🔥 THE RATE BREAKDOWN:
• Standard FHA & VA (No Assistance): 3.75%
• Standard Conventional (No Assistance): 3.75%
• FHA & VA (with 3.5% Down Payment Assistance): 5.00%
• Conventional (with 3.0% Down Payment Assistance): 5.00%
🌟 ATTENTION OHIO HEROES! (Police, Firefighters, EMTs, Nurses, STNAs, & K-12 Teachers):
Your service pays off with even deeper custom discounts:
• FHA & VA Heroes (No Assistance): 3.50%
• FHA & VA Heroes (with 3.5% Assistance): 4.75%
• Conventional Heroes (with or without 3.0% Assistance): 4.75%

There is no set expiration date for these subsidized rates, but they are limited-time and WILL NOT last forever.

Don’t miss out on saving hundreds of dollars a month on your mortgage payment. Let’s check your eligibility and get your pre-approval locked in today!

06/05/2025

Check out my listing.

MOVE IN READY!

OCCUPANCY AT CLOSING!

Thank you Judi Wilson for the video.

08/13/2024

Big changes are happening!
Things are changing in a big way. If you are thinking about buying or selling a home, read this

🏡ATTENTION HOME BUYERS🏡

On August 17th, all buyers currently looking to purchase a home, MUST sign a "Buyer Representation Agreement"- prior to walking into a property.

✅ JUST SHOW ME THE HOUSE!!
Starting August 17th, NO REALTOR will be able to unlock a door without you first signing the agreement 🤯 This will be non-negotiable for any person with a Realtor designation.

✅ Wait…WHAT DO I HAVE TO SIGN??
The agreement between buyer and Realtor is a Buyers Representation Agreement, the contract between you and that realtor stating you will be using them to buy a home and breaking down the roles, duties and responsibilities owed to you by your agent etc. This form also spells out what broker commission are to be paid by you and/or the seller. Whatever commission is on this agreement is the MAXIMUM commission your broker/agent can receive out of the transaction.

✅ I HAVE TO PAY COMMISSION?
Well yes…but actually maybe no… 🤔
With the new NAR ruling going into effect, advertising cooperating broker and buyer broker commissions will now be BANNED on the MLS.

So, now when your agent shows you a home, they may likely not have any idea if they are going to get paid from the transaction. Commissions are always negotiable of course, and there are a number of ways your agent can get paid. By the seller either in the form of direct compensation to Buyer brokerage or as a form of concession/credit to buyer. In some cases, the buyer will be paying the commission for their agent out of pocket and this will be spelled out in the buyer's representation agreement.

✅ HIRE A PROFESSIONAL AGENT
Selecting an agent when buying a home is an important decision.
August 17th is approaching a lot of changes will happen behind-the-scenes. This new rule with a buyer representation agreement is just one facet of the NAR ruling which will change the landscape of how real estate is sold in the United States. 🇱🇷

✅ ALIGNMENT & COMMUNICATION
Now, more so than ever, aligning yourself with a full-time professional realtor will be vitally important for the success of your home purchase.
*Shared from another realtor.. but this explains everything perfectly

Address

1501 South US Highway 68
Urbana, OH
43078

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