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Items Needed For A Loan Application in Knox County OH

Friday, September 21, 2007
by Sam Miller
You may feel like you are drowning in paperwork when you head to your lender’s office to apply for your next home loan. This is thanks in part to tightening credit standards that are causing lenders to require more proof than ever of borrowers’ income and expenses. To try to help with the process, I’ve put together a list of items you may be required to bring along when are ready begin the loan application process: (please note, all lenders are different and may require more or less paperwork!)
 
Employment/Income
-          Addresses of employers for two full years
-          Gross monthly income, proven by last two pay stubs
-          W-2’s, if available
-          Proof of pensions, retirement, disability, or Social Security
-          Proof of income from rentals, investments, etc.
-          Proof of child support or alimony paid/received
-          Self-employed: two years 1040 tax returns and current year profit and loss statement
 
Creditors
-          Each creditor’s name, type of account, and account numbers
-          Monthly payments and approximate balances
-          Amount of child care expenses and other fixed monthly expenses
 
Banking
-          Names of checking & savings institutions, along with account numbers and current balances
-          Last two months bank and savings statements
 
Miscellaneous
-          List of assets in stocks, bonds, land
-          Life insurance cash value
-          Social Security numbers for all parties
-          Veterans: Certificate of Eligibility & DD-214 or Statement of Service
-          Divorce Decree and/or Separation Agreement if applicable
-          Child support documentation if applicable
-          Bankruptcy papers if applicable
 
This may seem like a lot of personal information to have to provide just to apply for a home loan. But imagine if you were about to lend hundreds of thousands of dollars to somebody – you’d probably want a pretty good idea of that person’s ability to pay you back!
 
Please click here to get started searching for Knox County OH homes. You can also visit my website or email me to learn more about Knox County OH real estate. I’m here to help!
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Knox County OH Soil Analysis

Thursday, September 13, 2007
by Sam Miller

Have you ever really thought about the dirt that your home is sitting on?  It may seem like just an afterthought when you’re out mowing the lawn or playing in the yard with the kids, but the details of the soil on your property can tell you a great deal about the history and future of the land upon which you tread every day.

 

The US Department of Agriculture’s has an extremely comprehensive Web Soil Survey website that contains digital maps and unbelievable amounts of digital soil data that has been methodically collected.  Just type in your address and then explore almost anything you ever wanted to know about the soil upon which your home is sitting including chemical properties, erosion factors and likelihood, and its drainage class.

 

This information is invaluable if you are considering building an addition to your existing home or are purchasing property and want to feel confident in the makeup of the soil on which your family will live.

 

To get a complimentary comparative analysis of your home’s value, please click here - or feel free to visit my website or email me if you would like to learn more about Knox County OH real estate.  I would love to help you invest in your future.

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Preparing To Sell Your Home Tips

Saturday, August 25, 2007
by Sam Miller
Let me begin with some very basic yet very important concepts: #1. When your home is in "Top Condition" it will sell faster and for a higher price. #2. If the buyer smells cat or dog odors you won't sell it for top dollar and maybe not at all. #3. A home full of clutter and disorganization is a major turn off to buyers. #4. Clean, nice and neat homes that are well staged sells for higher prices than fixer upper homes. If the potential buyer feels that you love your home and if they believe you have taken good care of it you will be more likely to sell for a fair price, sell faster and have less issues with inspections and other inspection contingencies. However, homes that are simply listed for sale with no regard to the condition and are not show ready will sit, the seller will be forced to reduce the price over and over again in order to sell it. The best news is that preparing a home for sale is not difficult, it is not costly and is always worth the extra effort. If you want a faster sale for more money with less negotiating you will want to talk with me about my tops and methods for getting your home ready to sell. When I represent a home owner and after they have hired me to sell their home I work with them on ways we can make their house show it's best and appeal to the highest number of buyers. As part of my service to my sellers I provide a home preparation DVD called "Preparing Your Home To Sell" by real estate specialist David Knox. This DVD shows you tips and methods for making your house appear lighter and brighter, cleaner and it shows you how to give your home an advantage over other competing homes for sale. If you have ever watched shows like "Sell This House" you will truly appreciate this video. The real estate market is more competitive than every before anand it is important to take advantage of every opportunity available to you. Getting your home ready to show and sell and selecting a price that will attract ready, willing and financially capable buyers is what I do so if you want top notch representation give me a call at (740) 397-7800 or 1-800-282-9096. Sam Miller
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Kokosing Gap Trail: Ohio’s Finest Rail to Trail

Saturday, June 30, 2007
by Sam Miller

Once an active branch of the Pennsylvania Railroad, the Kokosing Gap Trail offers Knox County residents a relaxing and very scenic means of exercise and recreation. Opened in 1991, the Trail is a 10-foot wide paved path that stretches 13.5 miles from Mount Vernon to Danville. Along its course, the Trail follows Knox County’s scenic Kokosing River and surrounding countryside. Forested hills, wetlands, family farms, and the river itself offer pleasant scenery, and many opportunities for memorable photos. Beginning in Mount Vernon’s Phillips Park, the trail runs east to historic Gambier, the home of nationally respected Kenyon College. Here, one can stop for a rest at one of the Trail’s restroom facilities and take photos with one of the Trail’s travelers from the past: and old steam engine, coal car, flatbed and caboose; a standing reminder of the legacy of America’s once great railroad system.

 

From Gambier, the trail continues northeast towards Howard, where the beautiful Apple Valley Lake and resort are located. Here, Trail goers will pass underneath Route 36 through a stone-arched tunnel, and then continue on towards Danville. It is in Danville where the 13.5-mile Kokosing Gap Trail ends, but if one wishes to travel further, the Mohican Valley Trail, which opened to the public in 1999, begins only a few blocks from where the Kokosing Trail ends.

 

Many people use the Kokosing Gap Trail. Its close proximity to Mount Vernon Nazarene University and Kenyon College in Gambier makes it an excellent place for college students to get away from the stress of campus life and prevent the infamous Freshman 15. It is a great way for families to spend peaceful, quality time together, and instill in young children good exercise habits and a respect and love of nature. The Trail is an excellent way for anyone, of any age, to get the exercise needed to live a healthy, happy life.

 

The Trail is also a great place for nature lovers. In addition to the common squirrel, chipmunk, and deer, the Kokosing Gap Trail is also a great place for bird watchers. One of the most inspiring sights at the Trail is the rare spotting of the American Bald Eagle. At least one mating pair is reported to soar the skies along the Kokosing River, making the Trail one of the best places to try and spot this majestic, once endangered, bird of prey. With the 4th of July fast approaching, the spotting of the American Bald Eagle within Knox County could be one of the most memorable sights of the summer.

 

Parking for the Kokosing Gap Trail can be found in Mount Vernon, Gambier, Howard, and Danville. The trail features several river crossings on wooden-decked steel bridges, a few of which include observation decks where people can rest and take in the scenery or take a few photos. Recently, there has been some talk on extending the Trail to also run north to Fredericktown, Ohio. The Kokosing Gap Trail is a beautiful, relaxing stretch of path, which is enjoyable to people of all ages and backgrounds. Whether biking, walking, running or skating, the Trail is an excellent venue for exercise and shows off the beauty and rich history of Knox County.

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