Serving Dayton and the Greater Miami Valley

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We Serve Over

40 Member Companies in the Dayton Area

Does your Mortgage Lender carry the designation of the DMBA?

Quality Standards in the Mortgage Industry start with Professionalism, Accountability, and Reputation.

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Reverse HVCC

Sign the online Request for Permanent Reversal of HVCC

Write your congressman today to get this reversed!

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Making Home Affordable

Are You Eligible?

Please use the self-assessment tools provided on this website to see if you are among the 7 to 9 million homeowners who may be able to benefit from Making Home Affordable.

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8,000 Reasons to Buy a First Home

First-time home buyers who purchase a home before December 1, 2009 may be eligible to take advantage of an $8,000 tax credit as part of the American Recovery and Reinvestment Act of 2009.  Qualifying first-time home buyers may claim a tax credit of ten percent of the purchase price, up to $8,000, or $4,000 for married individuals filing separately. The tax credit begins to phase out for those whose adjusted gross income exceeds $75,000, or $150,000 for joint filers.

Buyers must purchase a home before Dec. 1, 2009 to be eligible and the credit may be claimed on a home buyer's 2008 or 2009 tax return. Filing an amended 2008 return after purchasing a home provides an option to buyers who wish to receive the credit sooner.

Unlike the previous $7,500 credit available to first-time buyers, the credit outlined in the American Recovery and Reinvestment Act of 2009 does not have to be paid back as long as the home remains the buyer's primary residence for at least 36 months after the date of purchase. First-time buyers, for the purpose of this credit, are those who have not owned a home in three years.

The IRS has posted a revised version of the form required to claim the credit, Form 5405, on IRS.gov. Visit IRS.gov's first time home buyer page .

Additional Resources & Information:

• Federal Housing Tax Credit Explained - watch the You Tube video
• Making Home Affordable Refinance and Modification Options
• Ohio Housing and Finance Agency / First Time Buyer Program
• U.S. Department of Housing & Urban Development
• U.S. Department of Veterans Affairs / VA Home Loan Program
• USDA Rural Development / Property Eligibility
• National Home Management Solutions - FHA REO Property Look Up
• Home Builders Assoc. of Dayton
• Montgomery County Real Estate Tax Information
• Greene County Auditor - Property Search
• Miami County Auditor
• White Fence Utility Service Locator
• Credit Empowerment's Credit Coaching

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Effective January 1, 2007 all residential property conveyances (transfers or sales) within the City of Dayton shall be required to include a disclosure of open violation notices.

Disclosure Ordinance, Frequently Asked Questions

 

Disclosure Ordinance Form HID002

 

Disclosure of Outstanding Property Violations
Use the property search online to check property address for open housing violations and print the required Disclosure form.