Some Summer Time Tips

1. JULY
JULY 2010
Kachenko News
7 Lawn Care Tips for and ticks and fire ants. the sun is shining, the breeze is
the Summer Season 4. While lawns are generally the blowing, the birds are singing,
The summer is officially upon focal point of most yards, don’t and the lawn mower is broken.”
us. And what that, comes forget about trees and shrubs. Well-
weeds, bugs and, of course, maintained landscaping adds di- Direct: 330-388-2771
more time needed to tend to
mensionality to a home and in-
your lawn.
creases its value.
Here, learn how you can make 5. In the heat of the summer, you
the most of the season with may be tempted to mow your
these summer lawn care tips: lawn in shorts and flip flops, but
remember, you need to stay safe:
1. Proper watering and water
conservation is important at wear long pants and closed-toed
any time of year, but particu- shoes.
larly when heat and a lack of 6. Also, no matter what outdoor
rain lead to water deficits and activity you’re enjoying, be sure
drought. to stay hydrated with plenty of
2. Evaluate your lawn regu- water.
larly for signs of irregular
7. The essentials of good summer
color and texture. These can be
signs of damage that may result lawn care are watering, fertilizing
from pests or disease. and proper mowing. However,
3. Proper year-round lawn sometimes an underlying problem Email: kachenkteam@aol.com
Barbara Kachenko
care keeps a lawn healthy and (such as bare spots or severely
prevents weeds, disease and damaged turf) requires additional Your Family…
pests. But sometimes, insects
measures.
you may not notice can travel Your Neighborhood...
from the yard to your home. To
stop them, hire pest control to Your Realtor!
keep the bugs on the outside.
You can also reduce their out- For All “YOUR”
side presence by treating the
RE/MAX HAVEN REALTY
Real Estate Needs!!!!!
lawn for insects such as fleas
“A perfect summer day is when
Are you looking for something to do with your Kids?
Check out the Columbus Zoo and Aquarium. The Columbus Zoo is rec-
ognized as one of the finest animal education and research facilities in the
United States. The Columbus Zoo currently covers over 400 acres adja-
cent to O'Shaughnessy Dam in the greater Columbus area.
http://www.colszoo.org/
Visit My Website for up to date information
www.kachenkoteam.com

2. 7 Things All Borrowers Should Know About FHA Loans
1.FHA Loans Are Not Only For Lower-Income 4. FHA Loans Are Not Affiliated With The Sec- Due to the general unwillingness of today’s lend-
Borrowers. FHA loans are available to everyone. tion 8 Housing Program. While both programs are ers to extend credit with respect to conventional
In fact, even Bill Gates can get one. There is no administered by the U.S. Department of Housing loans, many borrowers find that FHA is their best
maximum income restriction associated with FHA and Urban Development (HUD), FHA loans have bet. Lenders don’t mind lending when the federal
loans. Borrowers do need to substantiate income nothing to do with low-income subsidized housing. government (FHA) assures them of repayment.
and assets by submitting proper documentation. FHA loans are simply mortgages insured by FHA. Homeowners associations (HOAs) should note
This requirement ensures that borrowers are well- This insurance provided by the federal government that although FHA-insured mortgages might be
vetted and truly able to afford their future homes. allows lenders to lend more freely by assuring them easier to obtain, they are not “risky” loans, due in
2. FHA Loans Are Not Only For First-Time that they will be repaid in the event of default. Most large part to the strict “full documentation” re-
Buyers. Many people believe FHA loans are traditional lenders, are able to provide FHA loans to quirements placed on borrowers.
available only to first-time homebuyers. This is their customers. Individual buyers or sellers can initiate the ap-
not the case. Whether borrowers are making their 5. FHA Loans Are Often More Affordable Than proval process or current owners can encourage
first home purchase or their fifth, they can look to Conventional Loans. While FHA loans typically their HOA to apply.
FHA loans as a home financing option. offer the same interest rates as other loans, borrow- 7. FHA Loans Are Assumable. In addition to
3. FHA Loans Are Not Just Small Loans; In ers benefit from a much lower down payment of as lower down-payment and credit-qualifying re-
Fact, Loan Amounts Can Be As High As Almost low as 3.5 percent. quirements as compared to conventional loans,
$800,000. The government recently raised the 6. FHA-Approved Condo Developments Are FHA loans are assumable. This means that when
maximum loan amount from its original cap of More Desirable To Buyers. With 87 percent of a seller with an FHA loan sells his or her prop-
$362,790 to $793,750 as a way to help stabilize home buyers indicating that they plan to use FHA erty, the loan and its financing terms (interest
the housing market. The amount a buyer can loans, condo associations that are not FHA approved rate) can be transferred to the new buyer. This
borrow varies from county to county. Later this are missing out on a significant pool of prospective unique feature will certainly make a property
summer, condo buyers interested in FHA loans buyers. Under rules in place since February 2010, an more valuable in times of rising interest rates.
can visit www.checkfhaapproval.com to instantly entire condominium development must now apply to
identify FHA-approved condo associations and HUD and be granted FHA approval before a buyer “Now, more than ever, buyers and sellers need to
review maximum loan amounts for a given loca- can purchase a unit in an association with an FHA understand the options available to them when it
tion. loan or before an existing unit owner can refinance comes time to buy a home,”
into an FHA loan.
Recipe of the Month! Questions? Just Ask!
Work with an agent you can
trust
Argentinean Grilled Barbara Kachenko
Comments? Just tell
Flank Steak
Us! Your Neighborhood Realtor.
16 years of Experience
kachenkoteam@aol.com
http://www.summerrecipes.net/
argentinean-grilled-flank-steak
July 2010
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