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For those kiddos of ours missing Prom 2020, here’s a throwback to 1986😍 #ellenprom#gma #toledo419#SUA#SJJtitans #closedbycolleen


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This month's Neighborhood of the Month is Rossford! Rossford is a charming town along the Maumee River, in between downtown Toledo and Perrysburg. Even though it's a small town with a little over 7,000 residents, there is still plenty to do. I'm sure you are familiar with the Hollywood Casino for a fun night out, but have you tried throwing axes at Axe 419? Rossford is also the host of the Glass City Balloon Fest, which is an exciting weekend for the entire family! You also want to check out the parks and trails Rossford has to offer along the Maumee River. FUN FACT: Do you know how Rossford got its name? Rossford was founded by Edward Ford of the Libbey-Owens-Ford Glass Company. In 1898, Ford purchased 173 acres (0.70 km2) along the Maumee River to build the Edward Ford Plate Glass Company. As workers came to the factory, Ford named the resulting town "Rossford" by combining the last name of his second wife, Caroline Ross, with his. What's your favorite thing to do or place to go in Rossford? #rossford #neighborhoodofthemonth #closedbycolleen #homeloanstoledo


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With rates being historically low, it is the perfect time to consider refinancing your home. Check out the latest blog from Union Home Mortgage that explains 5 things you should know about refinancing. https://lnkd.in/e7yTgyR Are you considering refinancing your home? Let's talk about your options! homeloanstoledo.com #closedbycolleen #refinance #mortgage #homeloanstoledo


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Remembering the weekend in Toronto🇨🇦💕#closedbycolleen#419#sip#mortgage#realestate


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Tip: if you are even considering buying, building, or refinancing, NOW is time! Rates are at RECORD LOWS right now. Take advantage of it while you can. It could save you THOUSANDS of dollars! 💵💵💵💵💵💵 #mortgage #mortgagemonday #recordlows #closedbycolleen #homeloanstoledo


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We are so excited for Crystal who recently bought her forever home! 🏠❤️ The best part is Crystal only brought $120 to her closing! If you think a high down payment is a must when you buy a house, just ask Crystal! Visit homeloanstoledo.com to see what we can do for you with little to no money down. #closedbycolleen #homeloanstoledo #realestate #mortgage


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I've helped people as young as 18 get into a house. It's not too early to start thinking about buying a house!⠀ ⠀ Let's talk: homeloanstoledo.com⠀ ⠀ #closedbycolleen #homeloanstoledo #realestate #buyahouse #mortgage


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Happy President's Day! How many presidents does it take to get approved for a mortgage? ZERO! 💵💵💵⠀ ⠀ Let's talk about your options.⠀ ⠀ #presidentsday #downpayment #mortgage #realestate #closedbycolleen #homeloanstoledo


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Happy Valentine's Day! ❤️❤️❤️❤️ ⠀ ⠀ Do you decorate your home for Valentine's Day? Let's see some photos! 📸 ⠀ ⠀ #valentinesday #cupid #love #hearts #closedbycolleen


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It’s a great sunny morning for a CE class with Jason Perkins! Educating realtors on social media🏠 #keyrealty#jperkinslife#realestate#closedbycolleen#419


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Lenders care about the relationship between your outstanding debt and income, but what number are they looking for? ⠀ ⠀ According to consumerfinance.gov, the ideal debt-to-income (DTI) ratio, which is the percentage of your gross monthly income used to repay debt, is 43% or lower.⠀ ⠀ Try paying down on those credit cards before getting approved for a mortgage!⠀ ⠀ #mortgagemonday #mortgage #realestate #debt #creditcards #closedbycolleen


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Another happy Zilliow client! ❤️❤️❤️⠀ ⠀ Referrals - online and offline - are the root of my business. I cannot thank you enough for each and every referral and testimonial! #closedbycolleen


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This month’s #neighborhood of the month is Holland! 🤩 Even though Holland is small suburb with only about 2000 residents, it has a lot to offer. ⠀ ⠀ Pick apples at MacQueen’s Apple Orchard in the fall 🍎🍏, and attend the Strawberry Festival 🍓 in the summer after getting an ice cream cone at Mr. G’s Barn.🍦⠀ ⠀ Cheer on the Springfield Blue Devils,😈 go shopping at Spring Meadows shopping center, or take your kids to Strawberry Acres Park to play on the playground.⠀ ⠀ Plus, did you know Holland is home to an antique popcorn museum? 🍿Check out the J.H. Fentress Vintage Popcorn Museum on Hill Ave. ⠀ ⠀ What is your favorite thing to do in Holland? ⠀ ⠀ #holland #hollandohio #neighborhood #closedbycolleen


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For a traditional conventional loan, a lender may require at least a 20% down payment at closing. What happens if you don’t have enough money to meet that requirement? This is where private mortgage insurance (PMI) comes in. 🏠⠀ ⠀ PMI, sold by private insurers, is offered in association with conventional mortgages to prevent or reduce potential losses to lenders resulting from the borrower failing to make payments; defaulting. One in three borrowers buys PMI to afford a home, without a large upfront payment.⠀ ⠀ How much PMI you’re required to purchase depends on the amount of the loan and the loan-to-value ratio. This ratio indicates how much a loan is compared to the value of your home.⠀ ⠀ If you want to buy a house but don't have thousands to put down - you have options. Let's talk! http://bit.ly/2kALvXT⠀ ⠀ #mortgagemonday #homeloanstoledo #closedbycolleen #realestate #downpayment


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Who's willing to take down their house to kill a spider? 🙋 🙋 ⠀ ⠀ #spiders #house #closedbycolleen #homeloanstoledo


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Getting feedback like this is why I love to do what I do! ❤️❤️⠀ ⠀ Thank you Amy for your kind words, I really appreciate it. I was so happy to help you find the home of your dreams! 🤩⠀ ⠀ #realestate #homemortgage #closedbycolleen #homeloanstoledo #testimonial #review


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Is now a good time for you to refinance your home? 💵 With rates being so low, it might be something to consider! Before deciding, ask yourself these 3 key questions:⠀ ⠀ 1. Do you have adequate home equity? At least 20% will make it easier to qualify for a loan.⠀ ⠀ 2. Is your credit score is at least 760 and your debt-to-income ratio is 36% or less?⠀ ⠀ 3. How will refinancing affect your taxes?⠀ ⠀ If you're considering refinancing, don't let these answers discourage you. Let's talk about your options! ⠀ ⠀ Send me a message👇 or visit homeloanstoledo.com.⠀ ⠀ #homemortgage #realestate #refinance #closedbycolleen #homeloanstoledo


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For our first Monday in 2020, I wanted to share with you a trend that will continue this year. It continues to be a seller's market with low inventory making it tougher to find the perfect house. 🏠⠀ ⠀ According to http://bit.ly/35zVwWR’s 2020 forecast, “Inventory could reach a historic low as a steady flow of demand, especially for entry-level homes, and declining seller sentiment combine to keep a lid on sale transactions." ⠀ ⠀ This week I will release a video 🎥 with this and other real estate trends to look for in 2020!⠀ ⠀ #closedbycolleen #realestatetrends #2020 #homeloanstoledo


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As we say goodbye to 2019, we thought we'd highlight one more area of town before we celebrate the new year! 🎉 ⠀ ⠀ While Sylvania only has a population of about 19,000, they have so much to offer! Their historic downtown, which looks beautiful at night, is home to an array of locally-owned restaurants and is just down the street from the Lathrop House which was built in 1853 and was a stop on the Underground Railroad.⠀ ⠀ Take ice skating lessons, play hockey, or skate for fun at Tam-O-Shanter, ⛸️ and take a swim or catch a concert at the Centennial Quarry.⠀🏊‍♂️ ⠀ Sylvania is also home to numerous parks like Olander, the Fossil Park, Pacesetter, and Wildwood Metropark, and Highland Meadows Golf Course hosts one of the area's most popular events - the Marathon Classic. 🏌️ ⠀ What is your favorite thing to do or go to in Sylvania? ⠀ ⠀ ⠀ ⠀ #sylvania #downtownsylvania #tamoshanter #lathrophouse #fossilpark #olander #marathonclassic #highlandmeadows #wildwoodmetropark #centennialquarry #closedbycolleen


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As we round out 2019, it's safe to say it was a great year to buy a house. 💵 🏡 According to a report on marketwatch.com, Sam Khater, Freddie Mac’s chief economist, mortgage rates averaged 3.9% this year, which was the fourth lowest annual average level since 1971! 🎊⠀ ⠀ Learn how you can save on your mortgage at http://bit.ly/2NYPTLZ ⠀ ⠀ #homemortgage #realestate #getapproved #closedbycolleen


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I know buying a house during the holidays is probably the last thing on your mind, but it shouldn't be! It's the most wonderful time of the year - to buy a house! 🎄⛄️⠀ ⠀ According to an article from bankrate.com, December holds 7 of the top 10 days where buyers snagged the best price discounts on a home purchase. Buyer demand is at a low this time of year, which means it's the best time to take advantage of a great deal that could save you thousands! ⠀ ⠀ Let's talk about your options! Learn more at homeloanstoledo.com⠀ ⠀ #mortgagemonday #homeloanstoledo #closedbycolleen #realestate


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What's your favorite Christmas decoration that you put up at your house? 🎄🎅Let's see it in the comments below! 👇 #christmas #christmastree #christmasdecorations #closedbycolleen


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Union Home Mortgage's annual Partner Up for Plates food drive is in full swing! 🥦🍞🥕🥨 I love being a part of a company that places so much importance on giving back to the community.⠀ ⠀ The Partner Up for Plates Campaign runs through Friday, December 13th.⠀ ⠀ Please support this great cause by bringing in non-perishable and non-expired items to our local drop off locations at the SeaGate Food Bank and Olivet Lutheran Church of Sylvania.⠀ ⠀ Items Needed: (no glass jars)⠀ Canned Meats⠀ (Tuna, Chicken, Ham, etc.)⠀ Canned Fruit⠀ Canned Vegetables⠀ Peanut Butter ⠀ Dried Beans⠀ Cereal⠀ Boxed Pastas⠀ Rice⠀ Hearty Soups⠀ Boxed or Canned Juices⠀ ⠀ Thank you! 💚💜⠀ ⠀ #unionhomemortgage #tistheseaon #partnerupforplates #closedbycolleen


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November's Neighborhood of the Month is Maumee!⠀ ⠀ The city of Maumee has so many wonderful things to offer! Take a walk along the Maumee River at Sidecut Metropark, revisit history by touring Fort Meigs or the Wolcott House, and check out its quaint downtown area that features over a dozen small local businesses!⠀ ⠀ Maumee also has amazing events going on all year round - including the Maumee Lights Parade this Saturday! This annual evening parade begins in downtown Maumee at 6pm. It's the perfect way to kick off the holiday season!⠀ ⠀ #maumee #ohio #closedbycolleen ⠀ ⠀ What is your favorite thing to do in Maumee?


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Does your house need a face-lift? Consider a 203-K loan! 🏠⠀ ⠀ 203-K loans are intended to help homeowners improve their existing home or buy a new home that needs serious improvements.⠀ ⠀ After closing, a repair escrow account is created and the repairs are required to start within 30 days. All repairs must be completed within six months.⠀ ⠀ Learn more about how I can help you make your house look new again! http://bit.ly/2NYPTLZ⠀ ⠀ #mortgagemonday #203K #mortgage #closedbycolleen #homeloanstoledo


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Getting feedback like this makes me so happy! 😍 Thank you so much Amber, and congratulations on your new home! ⛺️⠀ ⠀ #closedbycolleen #homeloanstoledo #5starreview


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When is it time for a new home? Before it starts looking like this. 😱⠀ ⠀ #closedbycolleen


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Are you underwater in your home? And no, we're not talking about a flood! ☔️⠀ ⠀ Having an underwater mortgage means you owe more than your home is worth. This usually happens when property values fall and you as the homeowner lack equity to use for credit. ⠀ ⠀ While you may be tempted to sell your home when this happens, we recommend staying put. If you don’t sell your home, you’re not losing money on an underwater sale. If you do need to sell for any reason, you might need to take a loss, especially if your home’s value doesn’t increase in time. Let's talk about your options. homeloanstoledo.com⠀ ⠀ Sometimes you need a little patience - and hope! ⠀ ⠀ #mortgagemonday #closedbycolleen #homeloanstoledo #mortgage #reale


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It was an absolute pleasure having Jason Perkins, the Regional Director of Engagement for Union Home Mortgage, present to 20+ realtors ways to leverage your social media to gain clients. Thank you for all of the great advice, we're all ready to be social media machines!⠀ ⠀ #realestate #realtors #closedbycolleen


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Halloween is exactly one week away! Do you have your costume yet? 🎃⠀ ⠀ Since I am a little partial to homes, I thought I would share with you some of my favorite house costume ideas! UP, Alice in Wonderland, and Dorothy's famous house that dropped on the Wicked Witch of the East! #halloween #closedbycolleen


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Are you tired of living out in the middle of nowhere? ⛺️⠀ ⠀ Or would you like to move to the middle of nowhere? I can help with both! ⠀ ⠀ Let's talk your options today. http://bit.ly/2kALvXT⠀ ⠀ #closedbycolleen #homeloanstoledo #middleofnowhere #realestate #mortgage


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Thinking about building your dream home? Let's talk about how much money I can save you with our New Home Construction loans! http://bit.ly/2kALvXT⠀ ⠀ #closedbycolleen #newhome #realestate #buildahome #dreamhome #mortgage #loanofficer


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If you have an elderly parent or an adult child with special needs who cannot care for themselves and they need a home, I can help. #MortgageMonday⠀ ⠀ There are a lot of options available right with low interest rates and you don’t have to pay investment rates!⠀ ⠀ #closedbycolleen #homeloanstoledo


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It's National Dog Day! 🐕 🐩 Bella, Lilly, and Coco pictured here bring so much joy to our lives! We know how precious our furry friends are to our families. Share in the comments a photo of your dog - we'd love to see them! 😍


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Check out that cake🎂 Happy 26 anniversary Malcolm😍 #closedbycolleen


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When you're in the clear! 😍 ⠀ ⠀ #closedbycolleen #homeloanstoledo #realestate


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Blemished credit? We understand life happens. Some things can be swept under the rug. Let's talk about your options! homeloanstoledo.com⠀ ⠀ #closedbycolleen #realestate #homeloanstoledo


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Ring me anytime - my office hours are 24/7 to ensure your needs are taken care of fast!⠀ ⠀ #RealEstate #mortgage #homeloanstoledo #closedbycolleen


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Wishing Chris a very Happy 3 Month Houseiversay! 🏡 Chris closed on his house on May 9th, and we hope he's enjoying his new home.⠀ ⠀ Here we are with Juana Barrow of Loss Realty, who was amazing to work with! Midland Title made their process very easy too!⠀ ⠀ #closedbycolleen #homeloanstoledo


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#ThrowbackThursday - It's hard to believe this was two months ago already! 😍 I had a great time working with Brooke LeGare at the Partners Coaching Partners event for Union Home Mortgage in May. We both loved being able to learn different things from one another. I love being able to connect with other women in the industry!⠀ ⠀ #GirlBoss #womentor #closedbycolleen #TBT


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#ThrowbackThursday - A few months ago I was able to attend a wonderful event for the Women Council of Realtors. Here is our mayor speaking about the growth of Toledo and how realtors help with that growth. 💪 ⠀ ⠀ #womenrealtors #closedbycolleen


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#MortgageMonday Not paying your mortgage, even for a month, can be a kiss of death. If you want to get approved for a mortgage again, do not skip your payments!⠀ ⠀ #closedbycolleen #homeloanstoledo


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Who is excited for the new Treehouse Village at Oak Openings? 🌳😃⠀ ⠀ I was able to get a sneak peek a few weeks ago at the Lucas County Medical Alliance meeting. This is me with my co-president, Lisa Disalle, exploring the new village - it's a must see!⠀ ⠀ #toledometroparks #closedbycolleen #youwilldobetterintoledo


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Are looking for a house? Let's see what you KOALA-fy for! 🐨


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One of the things I love doing for my clients as a Thank You is giving them one of these personalized plates. Everyone loves them and it's a wonderful addition to their new home. ♥️🏠


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Thank you Melissa for the wonderful testimonial on Zillow! 😍 Nothing makes us more excited then hearing how happy our clients are with the service they received!


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Which is better financially - owning or renting your home? 🏘️ Here is a recent blog post from Union Home Mortgage that discusses both options and explains why owning is a better investment. 💰 https://www.unionhomemortgage.com/blog/why-owning-a-home-is-a-better-investment-than-renting-1/


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There are many reasons why I chose Union Home Mortgage: ✅ 45+ years in the industry ✅ Community focused ✅ Unwavering Support ✅ Streamlined approval process to avoid miscommunication and things falling through the cracks ✅ We try to make things as simple and fast as possible! #mortgage #realestate #loanofficer #unionhomemortgage #closedbycolleen


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