The Stoffer Mortgage Company

Monitoring your credit report is important, to ensure your information stays accurate and catch signs of identity theft. Did you know that during the COVID-19 pandemic Equifax, Experian, and TransUnion are offering U.S.consumers free weekly online credit reports? Request your reports at https://www.annualcreditreport.com

Next Home 2021 Design Competition, sponsored by the Neighborhood Design Center and others in Columbus, Ohio, has a clear goal: to build decent new homes average people can afford. Plans were submitted by 32 firms, almost all of them from Greater Columbus. Read more about the competition and participants: https://www.dispatch.com/story/lifestyle/home-garden/2021/10/17/affordable-housing-architects-contest-shows-less-expensive-new-homes/6025437001/

Build a house for under $170,000? Architects compete to design more affordable homes Winners are announced in the Next Home 2021 competition to build a home for less than $170,000. The next step: build it.

Have a great weekend everyone! 🦖 #

Stoffer Mortgage is a mortgage broker offering Conventional, FHA, Jumbo, USDA, and VA mortgages for residential transactions to purchase or refinance one- to four-unit dwellings. We meet contract deadlines, close loans in 30 days, and service the State of Ohio. Call (330) 936-2312 or go qualify at stoffermortgage.com.

The Stoffer Mortgage Company Stoffer Mortgage is a Canton, OH, mortgage brokerage offering Conventional, FHA, Jumbo, USDA, and VA

Happy National Coffee Day! ☕️ If you celebrated with many specials and have coffee leftover, read this article on some creative ways to use it up: https://www.foodandwine.com/syndication/how-to-use-leftover-coffee

7 Creative Ways to Use Up Leftover Coffee Go ahead and brew that pot. We've got you covered.

Stoffer Mortgage applauds HUD and FHFA clarifications to Freddie Mac's policies on purchasing mortgages secured by group homes. https://bit.ly/3ASkrFh

Happy National Good Neighbor Day! In 1978 President Jimmy Carter announced a national day aimed at raising public awareness that good neighbors help achieve human understanding and build strong, thriving communities. Since then National has been celebrated every year on Sept. 28.

Looking for additional suggestions on how to celebrate the day? Read on: https://www.mycupofcocoa.com/11-ways-to-celebrate-good-neighbor-day

11 Ways to Celebrate Good Neighbor Day • My Cup of Cocoa In case you hadn’t heard, September 28 is National Good Neighbor Day. First designated as a national holiday in 1978, Good Neighbor Day has been around in various forms for over 30 years. Why celebrate good neighbors? Well, having good neighbors makes life better. If you’ve ever had a terrific n...

How precious - today is Hobbit Day! Here are 10 ways to celebrate Bilbo and Frodo's birthday: https://bit.ly/2XwbhQ3

10 Ways to Celebrate Hobbit Day - Sartorial Geek Find out all the best ways to celebrate Hobbit Day - from baking geeky treats to throwing your own long-expected party!

Happy first day of fall! 🍂 🍁 The Fall Equinox marks the start of fall in the Northern Hemisphere and spring in the Southern Hemisphere. Read about the signs of fall, and some facts and folklore about the fall equinox. https://bit.ly/3lIXuOz

Autumnal Equinox 2021: The First Day of Fall In 2021, the autumnal equinox arrives on Wednesday, September 22, marking the official first day of fall. Here's everything you should know about the fall equinox—plus our favorite fall facts, folklore, photos, and more!

We see all kinds of properties and homes with an outbuilding or two typically create a little confusion. Government agencies have varied approaches to this type of property, and we list them in our blog post: https://bit.ly/2YZLKzr

Stoffer Mortgage wishes an easy and meaningful fast to those observing . g'mar chatimah tovah

Attention new : Regular maintenance of your home is important and usually involves tasks that need to handled monthly and annually. Investing the time to maintain your home (and one of the biggest assets you own) can help save you headaches in the long run. Here's a home maintenance checklist to help you get started: https://bit.ly/3Edp1QO

A Handy Home Maintenance Checklist to Protect Your Biggest Investment The work doesn't end after the closing.

There's a hidden secret that paying your bills on time might earn you a low credit score. This is an important and difficult issue for young future homeowners. Our blog post has more information: https://bit.ly/3DY1Xp1

Labor Day pays tribute to the contributions and achievements of workers. The first Labor Day was celebrated on Tuesday, September 5, 1882, in New York City. Read how the day was almost a disaster: https://bit.ly/3zIIaHB

Stoffer Mortgage hopes you have a great Labor Day and enjoy the weekend.

Have you been thinking about remodeling your bathroom? The best way to prevent a remodeling disaster is to think through the project carefully before grabbing the sledgehammer. Here are some planning questions to consider: https://www.thespruce.com/remodel-your-bathroom-1821358

Questions to Ask Yourself Before Remodeling Your Bathroom Bathroom remodels can range from simple makeovers to major alterations. Ask yourself some key questions to help define the scope of your project.

Many borrowers are worried about multiple credit inquiries by lenders when seeking financing.

According to TransUnion, for lenders that use the FICO score model all inquiries by lenders in the same industry count as one inquiry if they are done within 45 days. All mortgage agencies use FICO, including Stoffer Mortgage.

If you have questions about FICO scores, credit inquiries or need help with financing, call or text Mike Stoffer (NMLS # 373858) of Stoffer Mortgage at (330) 936-2312.

A borrower can rent out their current residence to offset the current mortgage from debt ratios for qualifying, and agency guidelines vary: https://bit.ly/3t0zQjU

Rules for Borrowers Renting Out Their Residences | The Stoffer Mortgage Company A borrower can rent out their residence to offset the current mortgage from debt ratios for qualifying but the rules vary by agency.

What is your interior design style? Are you more Eclectic than Boho? Is your bedroom Glam while the rest of your home is Modern Farmhouse? Not sure what to call your style? This article has a breakdown of all the current design styles. https://bit.ly/2XJdho7

What's Your Interior Design Style: A Breakdown of All the Styles - Bobby Berk Ever wondered what your "interior design style" is? We are breaking down all the styles and walking you through each...

Most people in the industry are aware of automated underwriting systems on the credit side of a mortgage transaction. And many people outside of mortgage lending don't know about another automated underwriting system called Collateral Underwriter: https://bit.ly/3kjjOha

Have you considered an annual checkup on your mortgage? As life happens situations change, and your mortgage may need to change as well. Schedule your quick and painless mortgage checkup with Stoffer Mortgage today by calling (330) 936-2312.

The Stoffer Mortgage Company Stoffer Mortgage is a Canton, OH, mortgage brokerage offering Conventional, FHA, Jumbo, USDA, and VA

If you're tempted to refinance your mortgage into a too-good-to-ignore low interest rate, don't get "rate happy" and jump right in. Check if it makes financial sense for you - read our blog post: https://stoffermortgage.com/avoid-getting-rate-happy-when-looking-into-refinancing/

The recent boom in generated questions about how the agencies view its use for down payment. Read our blog post on how the agencies address it: https://bit.ly/3lR2oL3

We all have experienced this from time to time: the appraisal is below the contract price. What now? Not all agencies have the same guidance when this happens. Read our short summary of what the agencies say: https://bit.ly/2THkaVx

The purchase market is moving fast with increased competition for buyers and I'm often asked, "does the borrower qualify for an appraisal waiver?" My answer is – don't count on it and you can read why in my blog post " The Truth About Appraisal Waivers on Purchase Transactions" https://bit.ly/36C0KUO

Many borrowers are worried about multiple credit inquiries by lenders when seeking financing.

According to TransUnion, for lenders that use the FICO score model all inquiries by lenders in the same industry count as one inquiry if they are done within 45 days. All mortgage agencies use FICO, including Stoffer Mortgage.

If you have questions about inquiries or need help with financing, call or text Mike Stoffer (NMLS # 373858) of Stoffer Mortgage at (330) 936-2312.

Stoffer Mortgage wishes everyone a happy and safe Fourth of July holiday. And we hope you enjoy these interesting facts about the holiday:

1) Independence Day became an unpaid federal holiday in 1870 and wasn't declared a paid holiday for federal employees until 1941.

2) John Adams and Thomas Jefferson signed the Declaration of Independence, and both died within hours of each other on July 4, 1826. James Monroe also died on July 4 but in 1831.

3) Only John Hancock and Charles Thompson signed the Declaration of Independence on July 4. The rest of the 56 delegates signed the document on August 2, 1776.

4) Massachusetts was the first state to recognize the Fourth of July as an official holiday in 1781.

A recently passed FHA mortgage-related bill will make it easier for homebuyers to purchase a home with an FHA mortgage. Read how in our blog post: https://stoffermortgage.com/federal-housing-authority-fha-mortgage-related-bipartisan-bill-passes/

Did you know that Father's Day didn't become a national holiday until 1972? Read the forgotten history behind this day and Stoffer Mortgage wishes a Happy Father's Day to all the dads out there. https://www.almanac.com/forgotten-history-fathers-day

The Forgotten History of Father's Day The Forgotten History of Father's Day. Find out how one woman asked to recognize the fathers in her town and inspired others.

Stoffer Mortgage meets contract deadlines and closes loans in 30 days. We're also available for fast turnarounds on pre-approvals to help with contract negotiations. Originating conventional, FHA, jumbo, USDA and VA loans, call Stoffer Mortgage at (330) 936-2312 for more information. 🏡

The Stoffer Mortgage Company Stoffer Mortgage is a Canton, OH, mortgage brokerage offering Conventional, FHA, Jumbo, USDA, and VA

For vintage furniture enthusiasts who own a barrel chair or grew up with one in their home, did you know it was introduced by an Akron company in the late 1950s? Read the ABJ article about the San Hygene Co. and how the Bourbon Barrel Originals chairs were made, and share your thoughts about the chairs below. https://www.beaconjournal.com/story/news/2021/05/17/local-history-akron-factory-sam-hygene-rolled-out-bourbon-barrel-unusual-chair/5080360001/

Local history: Akron factory rolled out barrel for unusual chair San Hygene Co. turned bourbon barrels into home decor in 1950s and 1960s