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Real Estate Resources:

• Special Offers - Special offers for Kettering, Beavercreek, Springboro and Dayton homeowners from Cyndi Shurts and Donald E. Shurts Jr..

• Featured Service Providers - Cyndi Shurts and Donald E. Shurts Jr.'s real estate web site affiliates.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Kettering, Beavercreek, Springboro and Dayton, Ohio mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Ohio or buy your own Kettering, Beavercreek, Springboro and Dayton house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Kettering, Beavercreek, Springboro and Dayton mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Ohio real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Link Partners - Cyndi Shurts and Donald E. Shurts Jr.'s real estate web site links to other sites about property selling and buying in this area of Ohio.

• Ask Anything - Ask Cyndi Shurts and Donald E. Shurts Jr. anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Cyndi Shurts and Donald E. Shurts Jr.'s realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Cyndi Shurts and Donald E. Shurts Jr.'s collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Kettering, Beavercreek, Springboro and Dayton property in Ohio, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Kettering, Beavercreek, Springboro and Dayton Homes, For Home Buyers, For Home Sellers, Kettering, Beavercreek, Springboro and Dayton Information, Real Estate Resources, and About Cyndi Shurts and Donald E. Shurts Jr..

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation Ohio Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Kettering, Beavercreek, Springboro and Dayton

Interest Rates >Locking in Loan Rates It is important for both new homebuyers and homeowners who want to refinance to understand how to lock in an interest rate when applying for a mortgage loan. Understanding how rate locks work prepares you to evaluate your options. While you are in the process of applying for your mortgage loan, interest rates will most likely fluctuate from day to day and week to week. If you want assurance that the wonderfully low interest rate on your loan will not increase while you are waiting for loan approval, ask for a rate lock. A conventional rate lock is a guarantee from the lender that your mortgage will carry a particular interest rate, with specific, predetermined points and fees. The interest rate is "locked in" for a specified period of time, usually thirty days. When you call a lender for a rate quote, ask how long that rate will last for. If you think you might need more than thirty days to complete your home purchase or refinance, tell your lender how many days you will require, and they will give you an adjusted rate quote. Rate locks are especially useful if interest rates are on the upswing, and you are concerned about ending up with higher monthly payments. If you cannot afford the risk of a further interest rate increase, lock in your loan rate now. See All Tips In The "Interest Rates" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What trendy and highly unusual hotel must be totally rebuilt every year? A  Sweden's popular Ice Hotel, which has 60 double rooms, 25 suites and an interior temperature of 20 degrees, starts melting to the ground in May and is rebuilt every winter. See More Real Estate Trivia >

Cyndi Shurts and Donald E. Shurts Jr. RE/MAX VICTORY 51 Plum St., suite 220 Beavercreek, OH 45440 Toll Free: 1-888-278-0295 Cyndi's Direct : 937-604-5194 Don's Direct: 937-241-2124 Toll Free Fax: 1-888-602-8133 Don's Email: Don@WelcomeHomeDayton.com Cyndi's Email: Cyndi@WelcomeHomeDayton.com Cyndi & Don Shurts have created a reputation of outstanding service and attention to details with past home buyers and sellers, other Dayton Realtors, and real estate service providers in the Dayton area. Miami Valley Dream Homes & RE/MAX Victory at The Greene provide unmatched, cutting edge tools and technologies to accomplish specific goals for our real estate clients, both buyers and sellers. This team provided many free services beyond the standard real estate agent. They are home staging experts, extensive internet marketing experts, Short Sale experts and new construction specialists. Cyndi and Donald Shurts are members of the National Association of Realtors (NAR),Ohio Association of Realtors, and the Dayton Area Board of Realtors. This Dayton Ohio real estate team will SAVE you TIME & MONEY in buying or selling a home. See the dozens of testimonials from past clients. Past Client phone numbers available upon request.    www.MiamiValleyDreamHomes.com is brought to you by Cyndi Shurts and Donald E. Shurts Jr. NUMBER1EXPERT™ real estate for Kettering OH Homes | Beavercreek Homes | Springboro Homes | Dayton Ohio Homes | Miami Valley Dream Homes Ohio, Wright Patterson Air Force Base-WPAFB Read Cyndi Shurts and Donald E. Shurts Jr.'s Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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