Get the best homes, expert advice, residential listings, local info, free reports, and more from Debbie Leddingham REALTOR® a proven REALTOR and real estate expert specializing in Hilliard; serving Dublin, Worthington, Powell, Westerville, Grove City, Upper Arlington, Plain City, West Jefferson, Marysville, Clintonville, Grandview, Gahanna, New Albany, Groveport, Pickerington, Canal Winchester, Pataskala, London, Whitehall, Bexley, Choctaw Lake, Galloway, Madison County, Delaware County, Union County, Franklin County, and all areas of Columbus and Central Ohio. Top local web site. Member Agent RE/MAX Champions - Columbus, Ohio Real Estate
Debbie Leddingham, ABR, ASP, e-PRO
614-864-9182
10400 Blacklick Eastern, #110 - Pickerington, OH 43147
Can Do Realtor!
Debbie's News
Apply For a Loan

The application process is the easy part -- provided you've gathered documents necessary to prove claims you make on the application.

The application will ask for information about your job tenure, employment stability, income, your assets (property, cars, bank accounts and investments) and your liabilities (auto loans, installment loans, mortgages, credit-card debt, household expenses and others).

The lender will run a credit check on you to take a look at your credit status, but you'll have to supply additional documentation including paycheck stubs, bank account statements, tax returns, investment earnings reports, rental agreements, divorce decrees, proof of insurance, and other documentation. If the lender deems you creditworthy, it will likely hire a professional appraisal to make sure the value of the home you are about to buy is truly worth your loan amount.
Posted 2007-02-19 by Debbie Leddingham
Land/Farm for Sale in Carroll!
MSL Remarks "FINAL APPROVAL REGIONAL PLANNING. 15 ACRES ALL WOODS. STREAM ON PROPERTY. 60 FT OF ROAD FRONTAGE. CO-LISTED"
Posted 2007-02-18 by Debbie Leddingham
Residential for Sale in Canal Winchester!
MSL Remarks "GREAT BUY IN JEFFERSON FARMS! MINT CONDITION,2-STORY ENTRY,9' CEILINGS ON 1ST FLOOR,VAULTED CEILING IN FAMILY RM , BRICK FIREPLACE, LARGE OPEN KITCHEN W/CENTER ISLAND AND STAINLESS STEEL APPLIANCES, 1ST FLOOR DEN. LARGE MASTER WITH GRAND MASTER BATH. HIS AND HER CLOSETS.PRIVATE BACK YARD."
Posted 2007-02-18 by Debbie Leddingham
Residential for Sale in Baltimore!
MSL Remarks "HISTORICAL TREASURE! GREEK RIVAL STYLE HOME. BUILT IN MID 1800'S. SAVED FROM DEMOLITON AND NOW SITS IN ITS NEW HOME. ORIGINAL WOODWORK, BUILT-IN CABINETS, & HARDWOOD FLRS. ALL NEW KITCHEN, BATHS, PLUMBING, ELECTRIC, WINDOWS -- ALL ON A NEW FOUNDATION. 3 ACRES. OUTBUILDING IS ORIGINAL. SUMMER KIT."
Posted 2007-02-18 by Debbie Leddingham
Residential for Sale in Lancaster!
MSL Remarks "COLLEGEVIEW ACRES. LARGE GREAT ROOM WITH VAULTED CEILINGS AND FIREPLACE. LARGE EAT-IN KITCHEN WITH ISLAND AND CERAMIC TILE - COOK'S DREAM! GREAT FINISHED BASEMENT FOR REC ROOM. WALKOUT BASEMENT THRU GARAGE. NICE INGROUND POOL. FENCED YARD."
Posted 2007-02-18 by Debbie Leddingham
Residential for Sale in Thornville!
MSL Remarks "APPROX 500 FT FROM STATE PARK & WATERFRONT.FREE BOAT RAMP 1/4 MILE-VERY PRIVATE BACKYARD. GAS SPACE HEATER IN WOODBURNING FP-COULD PUT FURNACE BACK-DUCT WORK THERE. ROOF 2 YRS OLD. TO SETTLE ESTATE SOLD 'AS IS'. COULD BE PUT BACK TO ORIGINAL 3 BDRM HOME. CEDAR SHINGLES ON EXTERIOR. CO-LISTED"
Posted 2007-02-18 by Debbie Leddingham
Shopping For a Loan

When you are ready to shop for a loan you have two basic types of mortgage stores to shop -- direct lenders and mortgage brokers.

Direct lenders have money to lend. They make the final decision on your application. Brokers are intermediaries who, like you, have many lenders from which to choose. Lenders have a limited number of in-house loans available. Brokers can shop many lenders for each lenders' store of loans. If you have special financing needs and can't find a lender to suit them, an experienced broker may be able to ferret out the loan you need. Mortgage brokers, however, are paid with a slice of the amount you borrow, some more than others some less. Internet brokers today perhaps receive the smallest cut, sometimes none at all, and can prove to be a real bargain.

Along with shopping the source, you'll also have to shop loan costs, including the interest rate, broker fees, points (each point is one percent of the amount you borrow), prepayment penalties, the loan term, application fees, credit report fee, appraisal and a host of others.
Posted 2007-02-12 by Debbie Leddingham
Examine Your Finances

If you can afford to buy a home, you must then determine how much mortgage you can afford. Lenders are apt to put your loan application in the best light and qualify you for as much as they are willing to lend, which can be more than you can afford.

It's up to you to take stock of your income and expenses, both current and projected to determine what you can comfortably manage each month. Along with your mortgage payment, don't forget related insurance, taxes, homeowner association dues and any other costs rolled into the mortgage payment.
Posted 2007-02-05 by Debbie Leddingham
Residential for Sale in Lancaster!
MSL Remarks "New Carpet through out and fresh paint. 4 BR 2.5 bth, lg family rm w/ wood burning fireplace, lg living rm & dining rm. Sits on almost an acre. Side load garage. Walking distance to pool, tennis & fishing. Bloom Carroll Schools."
Posted 2007-02-04 by Debbie Leddingham
Residential for Sale in Blacklick!
MSL Remarks "Cathedral ceiling in Living room & Dining rm, open kitchen - peaceful setting - good sized basement for finishing - plus has lots of storage area - key pad on garage. 12 x 16 Deck."
Posted 2007-01-31 by Debbie Leddingham
Home Spotlight

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QWhat is considered one of the greatest U.S. construction projects that was also of great strategic importance to the U.S.?
RE/MAX Champions
(614)864-8200
614-864-9182 - 10400 Blacklick Eastern, #110 - Pickerington, OH 43147
Debbie Leddingham, ABR, ASP, e-PRO, is a proven REALTOR and real estate expert, working with RE/MAX Champions - Columbus, Ohio Real Estate, specializing in Hilliard; serving Dublin, Worthington, Powell, Westerville, Grove City, Upper Arlington, Plain City, West Jefferson, Marysville, Clintonville, Grandview, Gahanna, New Albany, Groveport, Pickerington, Canal Winchester, Pataskala, London, Whitehall, Bexley, Choctaw Lake, Galloway, Madison County, Delaware County, Union County, Franklin County, and all areas of Columbus and Central Ohio. Top local web site. Get the best homes, expert advice, residential listings, local info, free reports, and more from Debbie Leddingham, ABR, ASP, e-PRO REALTOR®
Copyright© 2008 Agenthelper.net. All Rights Reserved. Privacy Policy. Last Updated: 2008.12.04 21:00 All information is deemed to be accurate but is subject to errors and ommissions and should be verified to your satisfaction.
Debbie Leddingham, ABR, ASP, e-PRO, REALTOR - AgentSite Map
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Office Phone: 614-864-9182
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Member Agent: RE/MAX Champions, 10400 Blacklick Eastern, #110 - Pickerington, OH 43147, (614)864-8200
Debbie Leddingham and RE/MAX Champions are licensed in the state of OH.
Real Estate Articles
Local Utility Companies & Phone Numbers
Are you moving or planning to move? Make sure you call your local utilities for disconnection!
Safety and Moving Tips
Moving into a new home in a new city can be stressful enough. Follow this simple tips for making it safe and avoid the headaches.
Getting a Mortgage

Shopping for a mortgage is the first step toward owning a home and perhaps the most daunting, especially if you are not prepared.

Systematic steps to help you buy your home.
Are You Ready?
Knowledge and experience are the keys to successful real estate transactions. REALTOR.com® contains an enormous amount of valuable information, and such data -- combined with the expertise, experience and training of local REALTORS® -- can be the essential keys to your success.
Local School Reports
Learn more about local school systems from the selection of free reports from the Ohio Department of Education.
Be Aware of Risks Associated with Popular Loans
There are several popular loans in the mortgage business that have caused increasing problems for home buyers. While these loan programs are not dangerous by themselves, they are structured in such a way that there is little breathing room if even a small disaster strikes, or hardship falls.
Debbie's Home Spotlight
Real Estate Resources
When You Are Buying Property to Build
You noticed a lot for sale in a suburban area in the West and North Columbus area that looks like a perfect place to build your dream home.
Do You Really Need Title Insurance?
Title insurance is one of the closing cost items on the closing statement when a home is purchased.
The Elements of Location
When you are in the market for a home, how should you evaluate the properties that appeal to you?
Making Your Dream Home Come True
Your first child is on the way, and you are outgrowing your small apartment.
The Rewards of Home Ownership
People buy a home for a lot of different reasons. They may want to put down roots in a community and create a sense of stability in their lives.
Lenders Want to Say "Yes"
If you consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation.
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