Emily Julianna Hohler Licensed Mortgage Originator

It's important to understand everything that goes into a monthly mortgage payment AND everything that does not.

I find that some popular online mortgage calculators have preset amounts which are not always accurate and can discourage people from seeking a mortgage due to their inaccuracy.

Please use my website to accurately calculate your payment options!

www.emilyhohler.midamericamortgage.com

Ready to get rid of those monthly revolving debt payments?

Not only does this save you money by lowering your amount of payments and decreasing them, it also increases your credit score when you pay off debt!

I am offering an hour long FREE consultation on credit building and debt consolidation. Let me know if you want to schedule by messaging me directly or texting me at 980.309.3791

Be well out there!

The times, they are a changin'!

We are back to seeing sellers help buyers purchase. 3 out of my last 4 loans, seller is kicking buyer back money at closing to cut down on their cash needed to close.

What does this mean? If you are a buyer who is concerned about money in the bank, this could be a way for you to need LESS cash.

Disclaimer: this can vary by location and house BUT it's always worth asking your real estate professional whether or not this is an option for you.

Happy Selling!

Some of you are taking the opportunity to shop for a new home on this long holiday weekend!

I am working from home this weekend to help my clients with pre-approvals! Please feel free to call me if you need my help!

Hi! I’m Emily. A mortgage originator, just a super fancy term for…I help money arrive on your behalf when you are buying a house or changing your current home loan to a new one.

Why work directly with me? Lots of reasons but here are few I need you to remember:

1) You call my cell phone. You text my cell phone. Forever, you have direct access to me. You are not going to call a line and press 0 a hundred times only to then be told you need to go to www.wewonttalktoyouonthephone.com and request that someone email you back and respond. You get answers and you get them fast. So does your realtor. Realtors like direct communication and they hate being on hold. I know, because I used to be one😊 I am the only person from my company you will ever talk to. It’s one stop shop and I pride myself in this because my whole vibe is making this easier for YOU. This is the saving time part.

2) I am getting you a good deal on rates and a mortgage. I want my clients to get a good deal. I am 100% confident that if you are using me for a mortgage, you are getting a very competitive interest rate AND minimal fees in comparison with my competitors. I chose my company because it is what is best for my clients. This is the saving money part.

3) I have 11 years and counting of real estate industry experience. “Information is not knowledge, the only source of knowledge is experience” Not only does experience provide you with knowledge, it provides you with resources. I have a lot of resources to figure things out. Someone recently called me a "loan mechanic", what a compliment! Give me a problem and I will overcome it with my experience and resources!

The #1 reason renters do not think they can purchase a home is because of down payment.

Back to school time, so let's do the math.

1st Month's Rent (assuming you move in the first day of the month): $2065
1st and Last Month's Deposit: $4130

Minimum amount of money (pet fees, trash fees, etc) required to sign a lease and get keys: $6,195

Average closing costs on a $300,000 home: $4500-6000
0% down options: 0
3% down: $9000.00

Minimum amount required to close: $4500

Down payment assistance opportunity: up to 6% of sales price $18,000

You can potentially close on a home and pay less money upfront than you would if you rented! AND your mortgage payment could be less than your rent. Call me today and let's figure out your path to home ownership.

Be well out there, Emily

Looking at houses in Lakewood this weekend? Here is the open house list!

Love the Belle Avenue house! That street is incredible and in perfect proximity to Lakewood park!

Call me to get preapproved quickly!

With Open House - Homes for Sale in Lakewood, OH | realtor.com® Explore the homes with Open House that are currently for sale in Lakewood, OH, where the average value of homes with Open House is $274,900. Visit realtor.com® and browse house photos, view details, check walk scores, and much more.

Looking at houses in Avon this weekend? Here is the open house list!

I am working on preapprovals today - call me with questions or to hear payment options!

With Open House - Homes for Sale in Avon, OH | realtor.com® Explore the homes with Open House that are currently for sale in Avon, OH, where the average value of homes with Open House is $459,950. Visit realtor.com® and browse house photos, view details, check walk scores, and much more.

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Follow on Twitter and see this link! Tons of great info for those interested in learning about investing in rental property!

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5.0 star review received on Experience.com for Emily Hohler by Tyler P - Emily was honestly a joy to work with. She brings so my experience to her role and instantly makes you feel comfortable and that you’re going to be taken care of. During the process she communicated effectively and there wasn’t a moment of not know long what was next. She was detailed and focused during the entire home buying experience. From a first time buyer to a person buying the second or third home I highly recommend Emily.

New ★★★★★ 5 Star Experience.com Review by Tyler P Click to see all 20 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by William A - Honestly, Emily Hohler is what made the experience great! As a new home buyer, I had a pretty large knowledge gap initially about the entire process and different terms. Emily was very patient with me and very responsive with all my questions and concerns as I often bombarded her with text messages randomly throughout the day (even outside of regular work hours). It felt like she cared for me first and foremost and wanted to make sure I didn't blindly go into anything I was not comfortable with. Were there other options for lenders I could go to that potentially could have given me a better rate? Sure. But would I then get the peace of mind and wonderful service of someone I know I can reach out to when I run into issues and who I feel I can trust not to take advantage of me and my ignorance about the process? Unlikely. This speaks volumes in my book.

New ★★★★★ 5 Star Experience.com Review by William A Click to see all 19 reviews of Emily Hohler,
Mortgage Loan Originator

Jacy's biggest fan⚽

5.0 star review received on Experience.com for Emily Hohler by Rachel D - Emily was great. Very knowledgeable and made the process very smooth.

New ★★★★★ 5 Star Experience.com Review by Rachel D Click to see all 18 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by Gillian H. - As a first time buyer, I was pretty ignorant about the lending process beyond knowing it would be smart to get pre approval. Emily was there, every step of the way, answering all of my questions and explaining things in a way that made perfect sense for someone with no experience. I also work third shift and Emily was so accommodating to my schedule, making time for me first thing in the morning, even on weekends. Super easy to talk to and my loan approval process couldn’t have gone more smoothly. I would HIGHLY recommend Emily to anyone looking!!

New ★★★★★ 5 Star Experience.com Review by Gillian H Click to see all 17 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by Samantha M. - Emily was so helpful to my husband and I as first time homebuyers. Taking calls even at 9 PM on a Sunday, we she was pivotal in helping us close quickly and get into our new home. She was quick to answer our countless questions and helped walk us through each step!

New ★★★★★ 5 Star Experience.com Review by Samantha M Click to see all 16 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by Nicholas R. - She made this whole process so easy and user friendly! This was my first time becoming a homeowner and it was much less stressful than i had anticipated!

New ★★★★★ 5 Star Experience.com Review by Nicholas R Click to see all 15 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by Victor P. - Emily’s knowledge and expertise in the mortgage industry was impressive. Her creative approach and ability to thoroughly explain our options was the reason I trusted her through the process. Look forward to working with her again!

New ★★★★★ 5 Star Experience.com Review by Victor P Click to see all 14 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by Marfi R. - Emily is a very friendly and warm person.
She personalized the experience when she stated she love to help people obtain their home's dream by assisting them in obtaining the monetary fund for it.

New ★★★★★ 5 Star Experience.com Review by Marfi R. Click to see all 9 reviews of Emily Hohler,
Mortgage Loan Originator

Everyone is talking about rates.

They are still WELL under where I landed buying my first home in 2018. Rates are STILL historically low.

Call me to see what the market rate is today!

980.309.3791

Rents are still increasing year over year.

REMEMBER - if you rent you are increasing someone else's wealth. If you own you are increasing your own wealth.

Let's talk about going from renting to owning in 2022.

I am offering free financial evaluations specifically for renters. Message me to sign up.

https://www.calculatedriskblog.com/2022/01/rents-still-increasing-sharply-year.html

Rents Still Increasing Sharply Year-over-year Today, in the Calculated Risk Real Estate Newsletter: Rents Still Increasing Sharply Year-over-year A brief excerpt: Here is a graph of the...

5.0 star review received on Experience.com for Emily Hohler by Jacob S. - Emily was wonderful and a pleasure to work with! She was so helpful throughout the entire process and always communicated with me and my wife on everything that was needed on our end to make the process as smooth as possible. I will be sure to recommend Emily to all my friends and family that will be in the market for a loan!

New ★★★★★ 5 Star Experience.com Review by Jacob S. Click to see all 9 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by Brian B. - Emily was helpful, communicated well, and did everything in her power to expedite and make the mortgage process as pain free as possible. Thanks Emily!

New ★★★★★ 5 Star Experience.com Review by Brian B. Click to see all 9 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by Kortney K. - Emily made our first home buying experience extremely smooth and answered so many of our questions. We are so grateful for her and the hard work she did for us

New ★★★★★ 5 Star Experience.com Review by Kortney K. Click to see all 9 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by Micah M. - No complaints

New ★★★★★ 5 Star Experience.com Review by Micah M. Click to see all 8 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by William H. - Emily was great to work with during this experience! She kept me up to date throughout the process and was quick to answer any questions or concerns that I had. I would definitely recommend her services.

New ★★★★★ 5 Star Experience.com Review by William H. Click to see all 7 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by Robert H. - Emily was amazing to work with, always responsive, always helpful, and just plain on top of it. Not to mention the awesome interest rate!!! 10/10

New ★★★★★ 5 Star Experience.com Review by Robert H. Click to see all 6 reviews of Emily Hohler,
Mortgage Loan Originator

5.0 star review received on Experience.com for Emily Hohler by Thomas B. - A+, Great Experience

New ★★★★★ 5 Star Experience.com Review by Thomas B. Click to see all 5 reviews of Emily Hohler,
Mortgage Loan Originator