Writing An Offer On A House - Financial Considerations From Your Butler County Ohio Realtor® It is standard practice to make a purchase offer contingent upon obtaining a mortgage. Because of this contingency, the seller will want the details of your financing plan included in the offer. Down Payment In the purchase offer, we will include the down payment amount you will apply toward the purchase. This will give the seller further evidence of your qualifications to secure a mortgage. Interest Rate Within the purchase offer, we will provide a safeguard against any dramatic change in interest rates between when the offer is made and when the loan is closed. The offer will not only be contingent upon qualifying for a mortgage, it will also be contingent upon an interest rate within a certain range. Shopping for Interest Rates > Seller Assistance If the house you select is at the top-end of your budget range, we may want to include a request for seller assistance to pay a portion of the closing costs traditionally paid by the buyer or to help "buy-down" your interest rate. Other seller assistance may include having the seller "carry back" a second mortgage to cover your down payment or even 100% seller financing. With any of these seller assistance options, you can expect to pay a higher purchase price than if you had handled the financing through a traditional mortgage lender. The Purchase Contract There is a lot to a Contract To Purchase. An Experienced Realtor® has worked with many different buyers and sellers.  It is my  job to see that my client gets the best price and terms when it's all said and done. If you are considering purchasing a home in Butler County, Ohio, please do not hesitate to contact me with any questions. I can be reached at (513) 238-8809 or by email at myrealtor@cinci.rr.com. Mortgage Calculator: Sales Price: $ Down: % Interest Rate: % Term: yrs Monthly payment: $ SearchMLS VirtualRealtor GetResults! ForBuyers FirstTimeBuyers AboutMarti Home Today's Rates: Mtg Loan     Rate   APR 30-yr Fixed 4.54% 4.69% 15-yr Fixed 4% 4.21% 1-yr Adj 3.64% 4.52% * national averages

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It is illegal, pursuant to the Ohio Fair Housing Law, Division (H) of Section 4112.02 of the Revised Code and the Federal Fair Housing law, 42 U.S.C.A. 3601, to refuse to sell, transfer, assign, rent, lease, sublease or finance housing accommodations, refuse to negotiate for the sale or rental of housing accommodations, or otherwise deny or make unavailable housing accommodations because of race, color, religion, sex, familial status as defined in section 4112.01 of the Revised Code, ancestry, military status as defined in that section, disability as defined in that section, or national origin or to so discriminate in advertising the sale or rental of housing, in the financing of housing, or in the provision of real estate brokerage services.

It is also illegal, for profit, to induce or attempt to induce a person to sell or rent a dwelling by representations regarding the entry into the neighborhood of a person or persons belonging to one of the protected classes.