Parade Of Homes | October MID 2021

Welcome to the 2021 Parade of Homes. We’re grateful that you have decided to spend your time here with us. We are excited to bring to you 13 spectacular homes located from Tipp City to Botkins as well as 5 additional homes and remodel projects on our website at www.poh.westernohiohba.com. You can get information about each house, plan your route and get driving directions to all the homes from this site.

With the formation of new households every year, the need for housing continues to grow and builder members of the HBA are more dedicated than ever to protect and preserve the home building industry and keep housing a ordable for future generations.

e Parade of Homes is the best opportunity to visit with local builders and see the latest trends. Technology, home design,

appliances, lighting and interior and exterior features are always changing and improving. e Parade of Homes is our builder’s chance to introduce new products and designs and your chance to see what features would best enhance your life.

As you explore these homes, we hope you are inspired by what our builders, designers, and trade contractors have created. As an association, we are proud to have so many innovative people providing quality products for you to enjoy.

We would like to take this opportunity to thank our sponsors. None of this could be accomplished without the dedicated professionals who help us put on this Parade. We thank every one of you!

We hope you nd the Parade of Homes helpful in your search for a new home or home remodeling idea. Please remember, the Western Ohio HBA is a resource for your new home build or your next home improvement project. For more information visit our website at www.westernohiohba.com.

Serving Our Area For Over 36 Years!

ILLUMINATE YOUR HOME

As homeowners, we put a lot of time and energy into our home. From mowing the lawn and trimming the bushes to sprucing up the exterior and making improvements, these are very visible enhancements except they all fade into the dark when the sun sets. Strategically placed outdoor lighting can enhance the nighttime beauty of a home by highlighting its distinct features while increasing security and transforming your outdoor areas.

Enhanced Beauty & Curb Appeal:

e most common reason homeowners invest in outdoor lighting is for its aesthetically pleasing beauty. When professionally installed, light can increase a home’s evening curb appeal. Perhaps you have noticed when you drive through a neighborhood at night. Without light, you cannot see a home’s features or landscaping. It gets lost in the dark. While perfectly illuminated homes stand out, you may notice how the lighting elegantly enhances architectural and landscaping features.

Increase Home Security:

Most homeowners initially invest in outdoor lighting because they are drawn to the beauty it brings. Not long a er, they realize the security element that comes with a properly installed system. Lighting the exterior of your home is the number one thing you can do to increase its security and discourage unwelcome intruders. Security lighting doesn’t need to be harsh or startling to be e ective.

Increase Home Safety:

If you entertain or spend time outside a er dark, then lighting your walkways, paths, steps, and stairs will decrease the chance you, a family member, or a guest will trip or fall.

Extend Use of Outdoor Living Spaces:

Many homeowners enjoy spending time on their deck or patio, grilling outdoors, or late-night swims in their pool. If you want to extend the use of your outdoor living space a er the sun has set, outdoor lighting is essential for continued enjoyment. You’ll use your outdoor areas more o en, and you can relax in the safety of seeing what you are doing.

Provides Year-Round Enjoyment:

As the seasons change, the lighting element remains constant, bringing di erent illumination e ects with each season. How the light shines up onto the fresh snowfall on the evergreens during the winter is a di erent experience from when everything is just blooming in the spring.

Ease of Use:

A professionally installed system can be set up to turn on and o automatically, so you don’t have to worry about it. Also, most dedicated landscape lighting companies have a service team or o er ongoing service programs to ensure your system continues to perform year a er year, making it easy for you, the homeowner. In summary, a well-executed outdoor lighting design can enhance and emphasize the distinct features of your home or property, casting it in the best possible light while adding an abundance of curb appeal, security, safety, and enjoyment. A professional landscape lighting company will consider lighting for both beauty and security; not everyone has this skill.

THE QUESTION OF COLOR &

COLOR &

THE QUESTION OF

CHOOSING PAINT COLOR FOR INTERIOR ROOMS is o en challenging due to di erent types of light including the light re ective value of the paint itself.

Most decorating is done by daylight, with the result that a room o en changes completely under ordinary arti cial light. Also many colors that look bright and rich at night turn muddy and bilious in the daytime. If your room is to be used mainly in the evening, plan your scheme under electric light. If it must stand the test of both day and night, then provide lighting that will preserve daylight colors in their purity.

Blue has probably given decorators more headaches than any other color when it comes to lighting. Ordinary arti cial blue light turns light blue walls yellowish green, and hyacinth walls dusty gray. To keep a blue room really blue, use daylight bulbs which have no yellow in them. is will result, however, in a cold-looking room. Compromise with bulbs tinted pale ivory.

Yellow frequently disappears at night. Yellow is apt to take on a dull tannish aspect or turn cream unless enough green is put in the paint to o set this. A strong lemon stays yellower at night than a butter yellow.

Dark wall colors look richer at night - brown, for instance, that may seem a bit cold or grayish in the daytime, appears much warmer and browner in arti cial light.

While you will probably have no wish to produce startling, stage-set lighting e ects at the ip of a switch, it is well to know how you may modulate or retain fully the tones of your color-schemes.

Paint nish also plays a role in light and color as far as walls are concerned. Flat nish is usually the best for hiding imperfections such as nail pops and dry wall seams, whereas egg shell nish is much easier to clean and doesn’t mark as easily.

Be sure to consult with your interior designer to choose the perfect look for your space.

How to Plan for a Home Down Payment

Buying a home is a milestone worth celebrating, but it takes planning and preparation before signing the closing documents to ensure the purchase doesn’t become more of a burden than a blessing. Proper planning involves determining how big of a down payment you need and saving money for that down payment. Here are some pointers to get you started.

What Should My Down Payment Amount Be?

Traditionally, the standard down payment lenders require for  nancing a house is 20 percent. Liz Knueven of Business Insider explains that this is to help you as the homeowner avoid having to pay private mortgage insurance. “[ is] extra monthly payment that can cost 0.3% to 1.2% of the loan’s principal balance. Banks charge PMI to borrowers who put down less than 20% to get some protection should the borrower stop making mortgage payments.”

If you’re buying a $160,000 house, a 20 percent down payment would translate to $40,000 — which is a lot more than most rst-time homebuyers can a ord.

However, 20 percent is not necessarily required to buy a house if you’re willing to pay a little extra on your monthly bill due to PMI. Plus, you might qualify for a lower down payment depending on the type of loan you’re receiving and your credit history.

Hal M. Bundrick, CFP and contributor to NerdWallet, points out that you may be able to take advantage of low-down-payment loans or assistance programs. Loans that are backed by third parties give nancial institutions the security to allow rst-time homebuyers to supply a lower down payment.

For instance, the Department of Veterans A airs o ers VA loans, the Department of Agriculture o ers USDA loans and the Federal Housing Administration o ers FHA loans — all which allow down payments far below 20 percent. ese still may entail extra fees, but o entimes these can be rolled into your monthly payments, so you don’t have to fork over as much money upfront.

What are the Other Costs of Buying a House?

Keep in mind that a down payment isn’t the only cost you’ll be paying to obtain a house. Purchasing a house entails an array of other fees that you might not have anticipated.

• Jeremy Vohwinkle of e Balance identi es some of the most common fees:

• Fees paid to the lender for the loan arrangement, such as the origination fee, application fee and underwriting fee

• Fees for title requirements, like title search and title insurance

• Home inspection, survey and appraisal fees

• Home insurance and property tax dues, which could go into your escrow account

• Various processing, commission and service fees

Some of these fees will be due on your closing date, while others will be due throughout the application process or right a er closing. When you’re saving money, make sure you have enough in your nancial accounts to cover these and any other unexpected costs.

How Does a Down Payment Work When Moving to a New House?

Once you’ve outgrown your starter home and plan on moving to a larger abode, you will still need to put a down payment on your next house. However, instead of paying out of pocket like you did for your rst home’s down payment, you’ll be able to cover this down payment with the money you’ll make selling your rst home.

Because you likely won’t sell that rst home until moving into your new home, though, Dave Ramsey and his nancial experts recommend taking out a bridge loan.

“A bridge loan allows you to tap into the equity of your current home to pay the down payment on your new home. It functions as a shortterm loan that is to be repaid quickly.” is quick loan will let you make a large down payment on your new house and then immediately pay it o when your old house sells.

Should I Make a Big or Small Down Payment?

Choosing how much to put toward a down payment depends on your nancial situation and what you think you can a ord.

A larger down payment could constrict your nances initially when you may need to spend that money on moving and home improvement costs, but it lowers the amount you’re mortgaging and translates to less paid in interest and insurance over the life of the loan.

A smaller down payment leaves more funds in your account now but will cost you more over the course of the loan due to the higher principle. Whichever amount you choose to contribute to a down payment on a house, make sure you start saving now to be in the best nancial state when it comes time to seal the deal.

Ready to Buy But Worried About a Down Payment? We Can Help!

At Minster Bank, we are passionate about helping you achieve homeownership. We can work with you to customize a solution to help with a down payment.  Also, look for in the rst quarter of each year, information about our Welcome Home Program, you could qualify for free grant money to o set your upfront mortgage costs — up to $5,000 or $7,500 for eligible veterans. All you have to do is apply for a home loan and the Welcome Home grant through your local Minster Bank, online or in person.

RETIREMENT COMMUNITY

Living a MAINTENANCE Free Lifestyle

VILLA

Six different End Units, 1,600SF to 1,760SF of living space. Floorplans consist of, 3 Bedroom, 2 Bath, 2 Car Garage.

Three different Middle Units, 1,680SF of living space. Floorplans consist of, 2 Bedroom, 2 Bath, 1 Car Garage.

Monthly HOA Fees, $225/per month. HOA covers all common areas, Lawncare, Landscape, Trash Pickup, Snow Removal, and full access to Halifax Clubhouse

Clubhouse amenities to include: Outdoor pool, covered porch, outdoor firepit, workout room, 2 card game rooms, full prep-kitchen, pickleball courts, and other outdoor games activities.

9 large stocked ponds, for fishing. Beautifully lit walking paths.

Six different Floorplans ranging from 1,600SF to 1,960SF of living space. Floorplans consist of a slab foundation, 3 Bedroom, 2 Bath, 2 Car Garage, or a 2 Master Suite option.

shelter.

Monthly HOA Fees, $200/per month. HOA covers all common areas, Trash Pickup, Snow Removal, and full access to Halifax Clubhouse

Choosing the Right Floor Plan for Your New Home

Anew home can provide exibility and comfort you can enjoy for many years. Building your dream home can be an exciting prospect and one key step in the process is selecting a oor plan that ts your needs. A oor plan is an aerial view of the layout of a home. Selecting a oor plan will also give you a sense of the ow of the home from room to room. A builder can recommend oor plans with exibility, functionality and maximizes the space available on the lot. If you’re not sure which oor plan to select for your new home, consider the following steps.

Make a List of Must-Haves

Making a list of must-have features will help you stay focused. e best place to start is by thinking about the features you’re missing in your current home and would be ideal in your new home. Would you prefer a bigger bedroom or kitchen? A builder can make recommendations based on the structural and design elements you prefer.

Assess Your Daily Needs & Lifestyle

Beyond bedrooms and bathrooms, think about the other spaces you would like to have in your new home. For example, a home o ce, media room or a laundry room might t your lifestyle needs. ere are also spaces and features you don’t think about, but you might use o en such as a mudroom, storage closet or large kitchen island for entertaining. You also want to think about your preferences with the level of noise and privacy, your home layout will have an impact on both. Exterior needs are important

considerations as well. If you enjoy entertaining outside, a patio, water feature, pool or outdoor kitchen are other items you should discuss with your builder.

Consider Your Future Needs

It is important to consider how your lifestyle and needs can change, such as space for children, pets or aging parents. If you want to have di erent ages of individuals living comfortably under one roof, it might be a good option to select a oor plan design to accommodate multi-generational living.

Take a Tour of Homes

Even with a detailed oor plan, sometimes it can be challenging to visualize the layout of your new home. A walk-through of a model home or home under construction can give you a better idea of the actual home size and ow. A home tour can also help you decide if you need more space or amenities depending on your budget. Invite family and friends along for the tour for support and recommendations. is is why the Parade of Homes is such a huge success each year. Visitors get to see many di erent oor plans in several di erent areas all around the northern Miami Valley. You get to talk directly with the builder and see the quality of workmanship that goes into each of their homes.

To learn more about the new homes or for a list of homes on the Parade Tour, contact the Western Ohio HBA at 937-339-7963 or visit our Parade of Homes website at www.poh.westernohiohba.com.

Miami Valley’s Premier Home Building Team for Over 30 Years

Every Denlinger & Sons home is built to the highest level of quality with meticulous attention to detail and a true commitment to bringing your home vision to life.