Online
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Away
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Degrees
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BA of Landscape Architecture
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My Expert Service
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First time homebuyers have an incredible opportunity in this market, but the media has many scared they'll get burned. Not here. All issues will be discussed up front, and as a banker, there are no broker or origination fees. Combine that with the government's $7,500 tax credit for first-time homebuyers and it is truly the best time to buy.
My bank, First Place Bank, is the 2nd largest publicly-traded thrift in the State of Ohio. They've been around for a 100 years and they'll be around for another hundred. Why? Sound lending processes. Quality, in-house underwriting. A wide variety of loan programs, from construction to purchase and refinance. Portfolio and Conforming loans. FHA, VA and USDA. Zero-down purchase. Loans that allow down payment gifts from relatives--even using "mattress money". Buy a home and finance the purchase of new appliances and carpeting.
At the end of the day, it's really all about your budget. It's not OK to be "house poor". You need that budget flexibility to eat out once and a while. The right loan for you helps you build equity while contributing to savings, home upkeep and maintenance as well as enjoying the home-owning lifestyle.
I'll also help you with the proper choice of a realtor. How to interview them. The minimum services they should provide. Why you don't pay for their services as a buyer.
Because there are so many purchase and refinance options, a reputable mortgage banker is the best person to consult. I look forward to earning your trust, as I have with hundreds of other satisfied clients.
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Experience & Qualifications
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10 years in lending. Recognized as a First Time Homebuyer expert and a sought-after speaker on all matters real estate. Regular contributor to first-time homebuyer seminars. Counselor to those with mortgage challenges. Volunteer with WomenSafe, a women's shelter in Ohio. Active member of the Community Involvement Committee of the Lake Geauga Area Association of Realtors.
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Available Modes Of Communication
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email/chat
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Contact
Tom Hlavin
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Home » Business & Finance » Mortgage & Loans
» Tom Hlavin
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