Compared to September 2006, when 1150 single-family sales were reported in the Dayton, Ohio Area MLS, there were 945 homes sold during September 2007, or a year-to-year decline of 17.83%.The dollar amount of sales volume for September 2007 declined by 16.12% with a total sale volume of $126,852,680.  September 2006 total sales volume was $151,222,339.Surprisingly, the percent of sale price/list price only dropped by 1.22% when compared to September 2006.However, the median sale price for September 2007 ($118,000) compared to the previous September ($115,000) increased by 2.61%.Average sale price for September 2007 ($134,236) compared to the previous September ($131,498) also increased by 2.08%.Listing volume declined by 12.92% with 2245 new listings reported for September 2007, compared... 11/21/2007

Beavercreek, OH Real Estate Update Beavercreek Real Estate,We here at the Mark Ryan Group continuously monitor real estate statistics to keep our clients informed and ahead of real estate trends.  Below you will find a Beavercreek, OH real estate statistics update for the month of October, 2007. Number of homes for sale in Beavercreek = 430Number of homes listed as pending in Beavercreek = 24Number of homes sold in Beavercreek = 43Number of homes expiring in Beavercreek = 69Absorption rate for homes in Beavercreek = 310 daysIf you would like more information on the Beavercreek, OH real estate market or what homes in the area are selling for CLICK HEREOr of you would like to become a Preferred Buyer of the Mark Ryan Group you can go to http://www.markryangroup.com/ or call us at 937-353-... 11/05/2007

What You'll Need to Get your Mortgage ApprovedGetting a mortgage home loan might seem like a difficult process, but if you're ready, you can increase your chances for the best interest rates. Most financial institutions will ask for of the following documents in considering your request for a mortgage loan.1. Last two years' federal tax returns and/or W-2 statements 2. Pay stubs: most recent, usually covering the past month. 3. Employment history: a record of steady employment will work in your favor.4. Credit History: Credit report, including current creditors and account information. How you have dealt with your credit in the past, minimum monthly payments, etc. By establishing a solid credit history, you can help you get the lowest interest loans5. Bank statements:  up to three month... 09/28/2007

Interest rates on prime conforming loans fell across the board in the past week, with rates on 30-year fixed mortgages averaging 0.15 percentage points below the previous week's level. The drop in mortgage rates may give some relief to borrowers who are looking to refinance or purchase a home.The 30-year fixed-rate mortgage averaged 6.31% for the week ending Sept. 13, 2007, down from 6.46% last week, according to Freddie Mac's weekly survey. The mortgage averaged 6.43% a year ago.The 15-year fixed-rate mortgage averaged 5.97% for the week, down from last week's 6.15% average. The mortgage averaged 6.11% a year ago.Adjustable-rate mortgages also moved down this week, with five-year Treasury-indexed hybrid ARMs averaging 6.17%, down from 6.32% last week. The ARM averaged 6.10% a year ago.... 09/19/2007

Interest rates on prime conforming loans fell across the board in the past week, with rates on 30-year fixed mortgages averaging 0.15 percentage points below the previous week's level. The drop in mortgage rates may give some relief to borrowers who are looking to refinance or purchase a home.The 30-year fixed-rate mortgage averaged 6.31% for the week ending Sept. 13, 2007, down from 6.46% last week, according to Freddie Mac's weekly survey. The mortgage averaged 6.43% a year ago.The 15-year fixed-rate mortgage averaged 5.97% for the week, down from last week's 6.15% average. The mortgage averaged 6.11% a year ago.Adjustable-rate mortgages also moved down this week, with five-year Treasury-indexed hybrid ARMs averaging 6.17%, down from 6.32% last week. The ARM averaged 6.10% a year ago.... 09/19/2007

The National Association of REALTORS (NAR) sent a joint letter to Housing and Urban Development (HUD) Secretary on August 8, 2007, encouraging HUD to undertake reform of the Good Faith Estimate under Real Estate Settlement Procedures Act (RESPA). The letter, co-signed by Center for Responsible Lending (CRL) President, in an effort to address abusive lending practices, in part, through a summary Good Faith Estimate . The letter also states that additional strong legislative and regulatory action will be required. Specifically, the letter recommends a Summary Good Faith Estimate that highlights key loan terms and payment information in an easily understandable format and accompany the full Good Faith Estimate that would provide the detail necessary for consumers to understand more fully t... 09/13/2007

Beavercreek, OH School information  Beavercreek, OH School Information,Thanks for visiting my blog once again.  Below you will find information on all of the public schools in Beavercreek, OH.  If you would like to know more, you can reach me or my team anytime at 937-353-4600.  We can also provide report cards on Beavercreek, OH schools, private school information for the Beavercreek, OH area and more.  Looking for general Beavercreek, OH real estate information?  Visit http://www.markryangroup.com/ for more information or to search homes for sale in Beavercreek or the general Dayton, OH area.  If you are thinking of selling real estate in the Beavercreek, OH area then feel free to request a free online evaluation of what your home may sell for in Beavercreek today... CLICK HERE  Schoo... 09/04/2007

  Beavercreek, OH School Information,Thanks for visiting my blog once again.  Below you will find information on all of the public schools in Beavercreek, OH.  If you would like to know more, please feel free to give me a call.  I can also provide report cards on Beavercreek, OH schools, private school information for the Beavercreek, OH area and more.  Need general Beavercreek, OH real estate information?  Visiting http://www.markryangroup.com/for more information or to search homes for sale.  If you are thinking of selling real estate in the Beavercreek, OH area then feel free to request a free online evaluation of what your home may sell for in Beavercreek today... CLICK HERE  School Name (click for details)Address (click for Map)PhoneFairbrook Elementary SchoolOhio Dep't of Educatio... 09/04/2007

New Page 1 No Equity? You may qualify for a Short Sale! A short sale is a special transaction that allows you to sell your home- even when your mortgage debt is higher than the value of your home. I am a professionally trained real estate agent who has been specifically trained on how to negotiate a settlement with your current lenders so you can sell the property and get out from under this burden. Best of all, my commission will be paid by the bank, so you won’t have any out-of-pocket expense! _____________________________________________________________________________________________ A SHORT SALE WILL HELP YOU: ♦ Avoid Foreclosure ♦ Avoid Bankruptcy ♦ Protect Credit Score from “foreclosure” ding ♦ Be free of financial & emotional burdens ____________________________________________... 09/03/2007

Beavercreek, OH Real Estate Update Beavercreek Real Estate,We here at the Mark Ryan Group continuously monitor real estate statistics to keep our clients informed and ahead of real estate trends.  Below you will find a Beavercreek, OH real estate statistics update for the month of August, 2007. Number of homes for sale in Beavercreek = 360Number of homes listed as pending in Beavercreek = 26Number of homes sold in Beavercreek = 61Number of homes expiring in Beavercreek = 68Absorption rate for homes in Beavercreek = 182.74 daysIf you would like more information on the Beavercreek, OH real estate market or what homes in the area are selling for CLICK HEREOr of you would like to become a Preferred Buyer of the Mark Ryan Group you can go to http://www.markryangroup.com/ or call us at 937-35... 09/03/2007

Beavercreek Real Estate,We here at the Mark Ryan Group continuously monitor real estate statistics to keep our clients informed and ahead of real estate trends.  Below you will find a Beavercreek, OH real estate statistics update for the month of August, 2007. Number of homes for sale in Beavercreek = 360Number of homes listed as pending in Beavercreek = 26Number of homes sold in Beavercreek = 61Number of homes expiring in Beavercreek = 68Absorption rate for homes in Beavercreek = 182.74 daysIf you would like more information on the Beavercreek, OH real estate market or what homes in the area are selling for CLICK HEREOr of you would like to become a Preferred Buyer of the Mark Ryan Group you can go to http://www.MarkRyanGroup.com or call us at 937-353-4600.  Thinking of selling real es... 09/03/2007

Good Questions Buyers May Not Think to AskFirst-time home buyers have a lot to think about, and sometimes they don't consider all of the factors that will impact their enjoyment of their new home.               For pet owners: How welcome and comfortable will my pet be in this home? Are there any pet restrictions and is there a safe convenient place to walk a dog?             For condo buyers: How often and by how much have the condo fees gone up in the past? Is there a maintenance fund, and how large is it? While past performance is no guarantee, stable fees and good planning in the past is promising.            For homes with basements: Does water sometime seep into the basement or other parts of the home? Has this property ever been flooded?              For everyone: Who are the nei... 07/02/2007

Home Selling Advice to Help You Attract Potential BuyersA large percentage of homebuyers decide whether or not to look inside a house or take it seriously based on its curb appeal-the view they see when they drive by or arrive for a showing. You can help make sure they want to come inside your house by spending some time working on the exterior appearance. It's difficult to look at our own house in the same way that potential home buyers do, because when we become accustomed to the way something looks and functions, we can't see its faults. Decide right now to stop thinking of the property as a home. It's a house-a commodity you want to sell for the highest dollar possible. Curb Appeal ExerciseThe next time you come home, stop across the street or far enough down the driveway to get a g... 05/04/2007

The NATIONAL ASSOCIATION OF REALTORS stressed the need for the Federal Housing Administration to make changes to fill today's consumer demands. Some changes that could be made: The FHA could provide borrowers with a safer alternative to riskier mortgage products that are on the market today. They could boost loan limits, eliminate the 3 percent minimum cash down payment, and give the FHA flexibility to provide risk-based pricing. As sub-prime loans are being reevaluated and real estate markets have softened, a reformed FHA would be in the perfect position to offer home buyers better mortgage choice and help bring stability to local markets and economies.  Increasing FHA mortgage loan limits would help first-time home buyers, minorities, and others who can't qualify for conventional mort... 04/25/2007

The sub-prime problem continues to make the news. It has led to lenders to tightening lending standards, and so there will be continued home sales decline. The delayed housing recovery, experts say is now postponed to the fourth quarter of this year, will not significantly decrease housing inventory levels even as home builders cut back on new construction. As a result, the national median home price is projected to decline an expected 0.7% in 2007. But as industry professionals are well aware, the health of the real estate market is determined by local factors. The drop in home price is a national average.  On the up-side, NOW is a great time to buy a home. The inventory choices are many and the list prices are very competitive. If you are qualified to buy a home, the time to do it is ... 04/23/2007

Tighter lending criteria and fallout from the subprime loan breakdown will lead to a healthier housing market. The new loan standards will assure that the homeowners can handle mortgage adjustments, but will also slow the housing recovery, according to the latest forecast by the National Association of Realtors. These new loan standards will help assure that the borrowers understand the terms of their mortgage. The borrower will also be able to handle the changes in their interest rate by knowing their worst case scenario. payment.Are you in a mortgage you are just not comfortable with? Now is a great time to refinance. Freddie Mac reported on April 4, 2007 that 30 year fixed rate mortgages was 6.17%. This rate should rise by the end of the year, so if you need to refinance, you should ... 04/16/2007

Here is some interesting home price averages by community in the Dayton area. Along with the averages, the range is also on this list. Check back soon..   COMMUNITY                                                            # SOLD   AVE SALE PRICE        PRICE RANGE LOW TO HIGH Beavercreek 590$216,028$16,500-$1,120,425Bellbrook/Sugarcreek218$267,145$55,500-$1,025,000Brookville102$132,951 $40,500 -$283,900Centerville/Washington Twp.601$245,611 $69,900 -$1,230,000Dayton2254$ 56,411$ 2,000- $369,000Englewood/Clayton407$142,058         $25,000- $445,000Fairborn355$108,939$3,500- $387,500Huber Heights610$121,638$16,000- $400,000Kettering840$137,664$28,500- $830,000Miami Township280$167,938$12,900- $351,000Miamisburg288$143,651$21,000- $615,000Moraine114$ 95,129$15,000- $362,000 Oakwood186$27... 03/26/2007