<![CDATA[The Hursh Group Blog]]> <![CDATA[How old are the major systems and have they been maintained?]]> In our market, many homes built in the 1970s–1990s are hitting the age where major systems need replacement. During showings, I help buyers evaluate:

  • Roof condition and age

  • HVAC systems and service history

  • Water heater lifespan

  • Plumbing and electrical updates

  • Foundation and drainage

Inspection timelines are tight, so getting ahead of system ages gives buyers negotiating leverage and peace of mind.

]]> <![CDATA[What Buyers Should Know About Property Condition & Location in Central Ohio]]> When buyers begin touring homes across Columbus and its surrounding suburbs—Dublin, Powell, Worthington, Hilliard, New Albany, and more—they quickly realize how much the location and condition of a property determine long-term value. As a Central Ohio real estate expert, I'm breaking down the top questions buyers ask when evaluating a neighborhood and the home itself.

]]> <![CDATA[Should I buy or rent in today's market?]]> In Central Ohio, rising rent prices and strong long-term appreciation continue to make buying a wise financial move for most people who plan to stay 3+ years. Even with fluctuating interest rates, homeowners in Columbus have seen exceptional equity gains across nearly every suburb. Renting may make sense for short-term or transitional needs — but ownership remains the most powerful wealth-building tool available.

]]> <![CDATA[Can I afford a specific property based on my income and credit?]]> Yes — and this is exactly where a tailored strategy helps. Affordability depends on your debt-to-income ratio, credit score, loan type, interest rate, and long-term goals. I review the full financial picture with you, and your lender provides a transparent breakdown of your range so you're shopping confidently, not guessing.

]]> <![CDATA[What will my typical monthly expenses look like?]]> Your monthly costs include more than just your mortgage payment. In most Central Ohio neighborhoods, expect:

  • Property Taxes: Among the highest expenses; they vary significantly between Hilliard, Dublin, Powell, and Columbus city limits.

  • Utilities: Electric, gas, water, and trash typically range $200–$350/month depending on home size and usage.

  • HOA Fees: Common in newer communities like Jerome Village, Evans Farm, and parts of New Albany.

  • Insurance: Budget $70–$130/month depending on coverage.

During my buyer consultations, I run you through estimated totals for any home you're considering — so there are no surprises.

]]> <![CDATA[When should I get pre-approved for a mortgage — and with which lender?]]> In the Columbus market, you should get pre-approved before you start touring homes. Inventory moves quickly, and sellers prioritize buyers who come prepared. A pre-approval not only strengthens your offer, it helps determine your price point and monthly payments.

Choosing the right lender matters. I always recommend reputable, local lenders who understand Central Ohio property taxes, competitive offer strategies, and the nuances of our suburban communities. A strong lender can make or break your ability to close smoothly.

]]> <![CDATA[How much money do I need for a down payment and closing costs?]]> One of the biggest myths in real estate is that you need 20% down to buy a home. In Central Ohio, most buyers put down 3–5% using conventional financing, and FHA loans allow as low as 3.5%. First-time buyer programs, grant money, and lender credits can reduce that even further.

Closing costs typically range from 2–3% of the purchase price, which may include appraisal fees, lender fees, title insurance, and prepaid taxes. In certain cases — depending on the home and type of loan — we can negotiate seller credits to help lower your upfront costs. Every situation is different, and this is where strategic guidance matters.

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