Parade of Homes | Fall 2023

n behalf of the Western Ohio Home Builders Association and our Presenting Sponsor, Minster Bank, it is our pleasure to extend a warm welcome to you as we celebrate the much-anticipated Parade of Homes. We are thrilled to produce this exceptional event once again, showcasing the remarkable talent within our industry.

e Parade of Homes is a celebration of cra smanship, innovation, and the art of homebuilding. It provides a unique opportunity for homeowners, industry professionals, and design enthusiasts to explore many di erent homes throughout the Northern Miami Valley. Whether you are seeking inspiration for your own dream home or simply appreciate the beauty of ne cra smanship, you are in for a treat.

As you step into each house, you’ll be greeted by the latest in home design, technology, appliances, lighting, and exterior features. Beyond the aesthetics, these homes embody the heart and soul of our community. ey stand as a testament to the values that de ne us – hard work, resilience, and the desire for a better life.

is Parade is an opportunity to explore a variety of styles, sizes, and locations. From cozy family homes to spacious retreats, each house is a canvas upon which dreams come to life. We encourage you to engage with our builders, ask questions, and envision how these spaces could become a part of your own story.

In addition to the physical homes, we are excited to introduce you to our virtual component. Five virtual homes await your exploration on our website at www.poh.westernohiohba.com. is digital journey allows you to experience the Parade from the comfort of your own space, o ering a unique perspective on the cra smanship and design that de ne these houses.

On behalf of the Home Builders Association, we extend our deepest gratitude to our builders, sponsors, and all those who have contributed to making this Parade of Homes a reality. Your commitment to excellence and your passion for the homebuilding industry are what make this event truly remarkable.

ank you for joining us on this incredible journey through the Parade of Homes. May it inspire you to start your own journey toward building a new home or remodeling your home current home into the home of your dreams.

Sean Rank 2023 President

Donna Cook Executive Director

The Howard Hanna 100% Money Back Guarantee helps you buy with confidence. If the buyer of a guaranteed home listed by Howard Hanna is not satisfied, we will buy back the home for 100% of its purchased price.

The innovative Buy Before You Sell Program applies the equity in your current home toward the down payment on your next home, allowing you to buy with confidence, even before your current home is sold.

Our home valuation tools help examine and reveal your home’s worth and selling value. Simply by entering and verifying your address, you’ll find market insights, live data, automated valuations, and even the profiles of prospective buyers in your area.

HOME is where the heart is

Home is where the heart is. It’s also where we feel the safest. But according to Underwriter’s Laboratories, today’s homes burn 8 times faster than the homes of yesterday. According the insurance industry, 1 out of 3 homeowners have claimed water damage and the one absent minded moment, recalled product or natural

Have and practice an evacuation plan. Make sure everyone knows their meeting spot. Have emergency contacts

happenfrom anynumber of products that generate heat. In fact, leaving something onthe stove is a well-known cause

raincancause disasters too.Everything from water heaters

Disasters thatcanhappenwhenwe least expect them

materials. From carpet to even the wood which is glued and manufactured. Not to mention the fuel load of all the plastics and man-made materials of modern times. In addition, we bring innovative products into our homes today

the products you have today that your grandparents never dreamed would exist. Cell phones, tablets, computers, video games, plug in air fresheners and more. All modern conveniences that can steal our lives and property.

Water heaters are expected to fail every 12 years. Washing machine hoses are expected to leak every 8-10 years. In fact, every appliance we have is expected to be replaced. But when do we replace them? When they break or even

times, a carbon monoxide leak is the reason for replacement. So, being vigilant is important. Having, practicing and enforcing safety protocols in our homes is just as important as doing it at school or work. In fact, even more important because home is where we sleep. And night time disasters are the most dangerous disasters.

lint screen every time you use it, inspect your furnace and chase the highest quality detection and prevention you the minimum but at the very least, protect your home and family with the minimum.

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WH Y HI R E A

Do people really hire someone to clean their home windows?

windows and screens cleaned by a quality local company, you ’ ll wonder why you ever attempted to DIY in the past.

Lastly it is important to hire someone you TRUST. Check out reviews online and ask your friends and neighbors. Ask for an in-person estimate when you call (good companies will have no problem with that). Make sure you are comfortable with the the same person who will be doing the work.

Having your windows cleaned quarterly or semi-annually will brighten your house both inside and out!

answer. Now, a er over three years servicing great clients all

and family that I was going to start a company specializing in there reall and for that? ” Honestly, I didn’t know the over the Miami Valley, the answer is quite clear dows, but the main reason is TIME. Most people can clean their own windows, they just don’t want to What a professional can do in 2-3 hours would have taken your entire Saturday, at least.

ing chore to you, is just another morning for a professional. Nobody wants to spend their weekend struggling with exten-

Another great reason for hiring an expert is QUALIT Y Most people who clean their own windows use vinegar or other household cleaners- then ask me why their windows are always streaky. I’ll let you all in on the secret formula used by professional window cleaners: soap and water Sounds simple but the combination of skill, experience and attention to detail is what

Some people think this ser vice will be too expensive. Most window cleaning companies in this area charge between $70 though, these people work fast. A good company can take a typical ranch-style home, clean all windows inside and out, wipe out all tracks, and clean all screens for around $200. Better than losing your Saturday in my opinion.

Elevate Your Outdoor Living Experience with CREATIVE LIGHTING

By Donna Cook, Executive Director

Outdoor living spaces have become a focal point of modern homes, offering a seamless transition between indoor comfort and the beauty of the great outdoors. And what’s the key to making these spaces truly magical? It’s creative and effective outdoor lighting. Let’s explore how you can blend various ideas for outdoor living and outdoor lighting to transform your space into a haven of relaxation and entertainment.

1. MULTI-FUNCTIONAL OUTDOOR SPACES

Today’s outdoor living spaces are more than just a patio or deck; they’re multi-functional hubs for various activities. Create zones within your outdoor space, such as a cozy lounge area, a dining space, and perhaps a cooking or bar area. Each zone can bene t from distinct lighting that enhances its purpose. String lights, for instance, can add a touch of whimsy to your lounge area, while overhead pendant lights illuminate your dining table beautifully.

2. DECK AND PATHWAY LIGHTING

Safety and aesthetics go hand in hand when it comes to outdoor lighting. Illuminate pathways, stairs, and deck edges with low-pro le LED lighting. is not only guides your guests safely but also adds a sophisticated touch to your outdoor design. Solar-powered lights are a budget-friendly and eco-conscious option for pathway lighting.

3. FOCAL POINT LIGHTING

Consider your outdoor living space as a canvas for highlighting focal points. Maybe you have a stunning tree, a water feature, or an art installation in your yard. Well-placed spotlights can draw attention to these features, creating a captivating nighttime ambiance.

4. FIRE PITS AND FIREPLACES

Fire pits and outdoor replaces have become popular additions to outdoor living spaces, providing warmth and a cozy atmosphere. Enhance this cozy atmosphere with so , ambient lighting around the re feature. Hanging lanterns or wall sconces can add to the charm while ensuring that everyone can see and move around safely.

5. WATER FEATURES

Water features, like ponds, waterfalls, or fountains, bring a sense of tranquility to outdoor spaces. Illuminating them with underwater or accent lights can create mesmerizing re ections and soothing visual e ects. Water and light combined make for a serene and calming atmosphere.

6. SMART LIGHTING CONTROLS

Embrace technology to make your outdoor lighting even more convenient and energy-e cient. Smart lighting systems allow you to control your outdoor lights remotely, adjust brightness levels, and even set schedules. is not only adds convenience but can also save on energy costs.

7. WEATHER-RESISTANT FIXTURES

Invest in high-quality, weather-resistant lighting xtures and bulbs to ensure your outdoor lighting lasts through the seasons. LED lights, in particular, are durable and energy-e cient, making them an excellent choice for outdoor spaces.

8. MOONLIGHTING

Create a magical e ect by mounting lights high in your trees and allowing the light to lter through the branches, mimicking the so glow of moonlight. is gentle illumination can transform your outdoor space into a fairytale-like setting.

Your outdoor living space is a canvas waiting to be painted with the brush of creative lighting. By blending various lighting ideas with the functionality and aesthetics of your outdoor living areas, you can create a space that is not only beautiful but also functional and inviting. Whether you’re hosting gatherings or seeking a tranquil retreat, the right outdoor lighting can make your space truly shine, creating an outdoor living experience like no other.

To nd a lighting specialist to discuss your outdoor project, visit the Western Ohio HBA’s website at westernohiohba.com. Talk with the builders during the Parade Tour and ask about who they recommend or be sure to mark your calendar for the upcoming Home & Garden Shows at either Hobart Arena in February or the Clark County Fairgrounds in March to see and talk with outdoor garden professionals in person! We’re here to help make your indoor and outdoor dreams a reality!

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 short-term 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. Visit minsterbank.com for resources such as loan calculators or apply online.

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Fight the Winter Blues by Bringing the Outdoors In

By Donna Cook, Executive Director

As winter approaches, nurturing healthy habits and cultivating cozy homes take on heightened importance, especially as approximately 20% of the population contends with seasonal depression. Here, we present three methods to combat the winter blues by inviting the vitality of the outdoors indoors.

Embrace the beauty of natural elements. Wood, with its innate warmth, emerges as a powerful ally to infuse any home with a welcoming ambiance. Whether it's incorporated in the ooring, furnishings, or nishes, the spectrum of available options and hues — from the gentle grace of light ash and bamboo to the deep richness of mahogany and cherry — allows for seamless integration with your existing décor. Beyond wood, materials like stone and organic bers wield the potential to make a striking impact. e allure of indoor plants cannot be overstated; they not only enhance the aesthetic but also contribute to improved air quality and diminished stress — two attributes that seamlessly align with the demands of a work-from-home environment.

Illuminate with thoughtful lighting for those fortunate enough to work from home, the reduced exposure to harsh uorescent lighting brings respite. Fluorescent light exposure is o en linked to migraines and eye strain. To counter this, embrace the magni cence of natural light, allowing it to lter into your home. Sunlight, the source of vital vitamin D associated with bolstering immunity, combating heart disease and depression, and even aiding in weight loss, becomes your ally. Incorporating circadian lighting, designed to mimic the natural shi s in color temperature and intensity throughout the day, elevates your mood. is proves especially bene cial in spaces where abundant natural light may be scarce and contributes to improved sleep quality.

Infuse nature's essence into design and aesthetics beyond the realm of natural nishes, patterns inspired by the elements — leaves, birds, shells — present an enchanting means to integrate the outdoors into your interior tapestry. Design experts forecast that rich earth tones will emerge as coveted choices to infuse warmth into homes throughout 2023. Noteworthy is the selection of calming shades of blue as the color of the year by multiple paint companies. Benjamin Moore's Aegean Teal, Sherwin Williams' Urbane Bronze, and PPG's captivating palette of Transcend, Big Cypress, and Misty Aqua encapsulate the spirit of natural elements such as water and the sky.

As we come upon the winter blues, enveloping ourselves in the embrace of nature-inspired design choices holds the power to upli spirits, nurture well-being, and create spaces that truly resonate with our individuality. rough a harmonious blend of natural materials, thoughtfully cra ed lighting, and designs that mirror the world outside, we can infuse our homes with an enduring sense of tranquility and beauty.

Finding Your Perfect Neighborhood:

A Guide for Parade of Homes Visitors

By Donna Cook

When it comes to purchasing a home, nding the right neighborhood that aligns with your lifestyle is an indispensable consideration. A er all, your neighborhood isn't just the location of your house; it's the foundation of your daily life. A well-matched neighborhood can enhance your experience and satisfaction, while a mismatch could lead to lasting headaches.

Amidst the backdrop of a competitive housing market, where choices might require expansion, it becomes crucial to discern which neighborhood resonates with your unique needs. To aid you in this pivotal decision-making process, experts recommend cra ing a checklist that outlines the neighborhood features most important to you. Here, we o er insights to help you streamline your choices, ensuring you nd the perfect neighborhood to call home.

The School System's Quality:

For families with children or those considering starting one, the quality of the local school system o en tops the list of priorities. Homes nestled in high-quality school districts not only enrich your family's educational experience but also contribute to your home's future resale value. A great starting point is the school district's o cial website, where you can access information on graduation rates and test scores, providing a well-rounded picture.

Neighborhood Amenities and Daily Commute:

Tailoring your neighborhood choice to your lifestyle involves assessing your unique needs. Families with children might prioritize proximity to parks and playgrounds, while retirees could seek maintenance-free living and leisure amenities like golf courses. If a daily or occasional commute is part of your routine, tools like Google Maps can help calculate travel times to di erent destinations at various times of the day, aiding you in making informed decisions.

Property Taxes and HOA Fees:

Owning a home involves nancial considerations beyond the mortgage. Property tax rates can vary depending on the city or county your chosen neighborhood falls within. It's wise to consult your real estate agent for insights into current tax rates and historical increases. Additionally, many neighborhoods feature Homeowners' Association (HOA) fees to maintain shared amenities like pools or parks. ese fees vary and understanding them is integral to shaping your budget e ectively.

Age of Development:

Your stage of life can play a role in determining the ideal development. Younger families may nd newer developments appealing, as they foster connections with families sharing similar experiences. Alternatively, mature developments boast established landscaping and spacious lots. Historic neighborhoods, adorned with character, o er unique charm but might require extra maintenance. e age of developments can signi cantly in uence your lifestyle and the level of investment needed.

As you embark on your journey through the Parade of Homes, these considerations will serve as valuable guideposts, helping you navigate the myriad options and nd the neighborhood that not only suits your preferences but enhances your overall quality of life. Your perfect home isn't just about the house; it's about the community it's nestled within. With these insights in mind, you're empowered to make a choice that aligns with your aspirations and transforms a house into a true home.