Candy & Stephanie

10/16/2026

Buying a home is a big deal. Figuring out the process doesn’t have to be overwhelming.
From your first questions to closing day, we’re here to help you understand your options and feel confident about your next steps.

Home buying made easy. And you don’t have to figure it out alone. ❤

📩 Have questions? Let’s talk!
https://www.uhm.com/cns/
[email protected]

10/10/2026

When you’re figuring out your monthly mortgage payment, there’s more to consider than just the loan itself.

Meet PITI:

🏠 P — Principal: The amount you’re paying toward the money you borrowed.

💰 I — Interest: The cost of borrowing that money.

🏡 T — Taxes: Your property taxes.

🛡️ I — Insurance: Your homeowners insurance.

Put them together, and you have the four major components commonly included in a monthly mortgage payment.

Keep in mind, your payment could also include things like mortgage insurance or HOA fees, depending on your situation.

The takeaway? Don’t just ask, “How much house can I afford?”

Ask, “What monthly payment will feel comfortable for me?”

Because getting the keys is exciting. Being able to comfortably afford them is even better.

Have questions about what your mortgage payment might actually look like? We’re happy to help you untangle the numbers! 😉

https://www.uhm.com/cns/

10/09/2026

You want access to a range of loan options. Personalized service. Expert guidance. We can help with all of that, plus help with troubleshooting and problem solving along the way. Give us a call. We will answer all of your questions and get you pre-approved for a mortgage so you can strengthen your position when making an offer on your dream home.

09/30/2026

Marion can offer something that's getting harder to find in communities farther south: a lower cost of living without giving up the things that make a community feel like home.

You still have a walkable downtown, local restaurants and coffee shops, parks and trails, community events, family activities, theaters, shopping, and schools—all right here.

Marion continues to invest in its parks, trails, downtown walkability, and community spaces.

The housing market reflects that affordability, too. As of August 2026, Marion's median listing price was about $186,000.

So maybe the question isn't: “Can I afford to live where I want to be?”
Maybe it's: “What could I have if I looked a little farther north?”

More house. More breathing room in the budget. And a community with plenty to do once you're home.

09/29/2026

Underwriting. Just the word can sound a little scary when you’re buying a home.

But underwriting shouldn't feel like a haunted house where you walk in expecting that something spooky is waiting around the corner. 👻

It’s simply the part of the mortgage process where your lender takes a closer look at the details of your loan: your income, assets, debts, credit, the property, and the documentation supporting it all.

The scariest part? You may get a request for one more document when you thought you were finished. 🎃 That doesn’t necessarily mean something is wrong. It’s often just part of making sure everything is documented and meets the requirements for your loan.

So if your loan enters underwriting and suddenly you're feeling a little "fear of the unknown", don’t panic. Your mortgage team is here to help you understand what’s happening and what comes next.

No haunted house required. 🏡👻 Unless of course you want the house to be haunted... but that's your business.

09/21/2026

09/20/2026

Ohio Grants for Grads programs provides 3% down payment assistance for conventional loans and 3.5% assistance for government loans for homebuyers who have graduated within the last 18 months with an associate's, bachelor's, master's, doctorate or other post-graduate degree from and accredited university.
Call us today to learn more about this program!

Candy & Stephanie
740.375.8737
motherdaughtermortgage.com

09/14/2026

Thank you for your kind words, Peggy! They mean the world to us!

09/08/2026

You can run but you can't hide forever!