5 Things You Should Know About Buying A Home

Purchasing a home is one of the largest investments you will make. Before you sign that mortgage paperwork, it is important to have an understanding of what goes into owning a home. Here are 5 things that you should know as you consider purchasing the home of your dreams.

Can you afford the closing costs?
Can you afford your mortgage payment?
Can you afford taxes and insurance?
Can you afford monthly maintenance?
Can you afford major repairs?

The Housing Source is here to help you find the answers to these and other questions you may have regarding home ownership.

Contact Us today!

NSP Program Featured in Huber Heights Newspaper

The 10/08/10 edition of the Huber Heights Courier features an excellent interview with County Corp’s Jim Martone in which he discusses the idea behind the NSP program.  Jim explains how the program works, discusses the economic impact that officials hope to make in the Huber Heights community, and how this innovative program is saving neighborhoods and making the dream of home ownership a reality -  CountyCorp Offers Neighborhood Stabilization Program

Saving the Dream

The 10/03/09 edition of the Dayton Daily News features an article about the economic impact that the County Corp NSP program’s purchase of 15 homes in Huber Heights will have on revitalizing the community, stabilizing property values, and making quality houses available to those seeking the dream of home ownership.  The article features numerous quotes from Adam Blake, who helps to manage the NSP program, and it provides another place to learn about this exciting program that is changing the future of Montgomery county.  County to buy 15 foreclosed homes in Huber Heights

Xeriscaping

Xeriscaping is a landscaping concept developed to conserve water in arid areas of the country.  Since the inception of this landscaping design, it has spread to encompass not only saving water, but encouraging the use of indigenous (of a local origin) plants in landscaping.
The term xeriscape comes from “xeros” the Greek word for dry. Combined with “scape” – which literally means a picture or a view of a type of scene – we have the term for a dry landscape. Unfortunately, people think xeriscaping only has benefits for dry, hot areas. In fact, xeriscaping can transform a landscape into a beautiful, year-round water saving feature than can save homeowner’s time and money on landscape maintenance while conserving natural resources.

Xeriscaping utilizes several principles to conserve water. First and foremost, the design embraces the concept of an oasis. The cool, lush areas that require the highest use of water should be placed near the area where one lives. The further away from the oasis, the less water consumptive the landscape should be.

Next is the limitation of turf areas. Place modest quantities of turf in areas where it will be used for cooling the environment, for play and recreation. Don’t forget the utilitarian need for animals, too. There is no sense in placing thousands of square feet of turf grass out where no one will use it. Often, less water consumptive landscape materials such as groundcovers or mulches may be utilized in place of thirsty grasses.

Consult a professional to prepare a landscape plan and to coordinate the construction. Prepare the design to accommodate the needs of your family and how you will use the area surrounding your home. Place the lushest flowers and shrubs of the greatest density near the play area. Turf areas should be easily accessible for entry and maintenance.

One important principle is to avoid over planting. Too many landscapes are planted densely in a belief that “more is better” and/or a desire to have a mature look at the time of planting. Too often, as the plants mature, the landscape takes on a cluttered appearance, with everything jammed into one another. Even the most experienced designer needs to remember that some open space will allow for better appreciation of the plants.

Choose the right plant for the location. Trees and shrubs that are placed too near structures or power lines can spell disaster or result in an untimely removal of the plant. Plants that require pruning every 5 to 7 years to control growth may be in the wrong location. Have your designer draw everything to the mature size on the scale drawing to ensure proper placement.

Designs should provide for ample shade near the residence to take advantage of the cooling effect that trees provide. If winter warmth is desired, the trees should be deciduous. Trees that block exposure to winds may be evergreen.

If possible, contour the landscape to capture natural rainfall. Most urban conditions require homebuilders to work on the opposite principle, ensuring quick drainage away from the structure. If your landscaped area allows for retention, your plants will benefit from additional ground water reserves during the day, and reduce the amount of time you need to spend watering plants.

Additional Resources

What are Rain Gardens?

http://www.millcreekwatershed.org/rain-gardens.html

http://www.ohioriverfdn.org/conservation/RainGardens.html

http://www.centralohioraingardens.org/

http://ourohio.org/index.php?page=drain-your-rain

http://ohio.sierraclub.org/miami/local/RainGardens.htm

Where to Buy Rain Barrels

http://www.littlesquarefarm.com/

http://marvinsorganicgardens.com/

http://terradisiac.com/products.php?openparent=2254&pid=

http://www.rainbrothers.com/index.html

http://livinggreenstore.net/

Where to Buy Compost Bins

http://www.oeq.net/compostbinsale.aspx

How to Make Your Own Compost Bin

http://www.make-stuff.com/gardening/compost_bin.html

http://www.stopwaste.org/home/index.asp?page=445