December 27, 2014


I would like to take a moment to wish everyone a happy holiday season.  With the stress of buying gifts, holiday parties, and preparing for time with family most people are not interested in purchasing a new home or even refinancing.  The current rate environment is very favorable with 15 yr and 30 yr fixed rates below 4%.  Although most are pre occupied with the “to-do’s” of the next few weeks they should really be preparing and planning for the New Year.  2015 holds new opportunities for everyone.  New job opportunities, a new chance to recommit to that work out plan that lasted until March of last year, or even new financial opportunities are all possibilities for 2015.

Take some time in the next few days or weeks when with family to review and plan for 2015.  I am always available to help answer questions and advise as you create goals for the new year.  Is your goal to put more money away for the kid’s college? Increase cash flow on the rental you have? Want to invest in real estate in 2015? All of these are opportunities for discussion.


Have a great Holiday and a Happy New Year!



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O: 614-602-3646

C: 740-398-4917








State Bank

4080 W Dublin-Granville Rd

Dublin, OH 43017

The State Bank and Trust Co. and its loan officers, are not liable for information, claims or agreements made by/between the public and third-party entities. These third-party entities may include, but are not limited to: builders, developers, or real estate agents. Even though the loan officer co-sponsoring this site makes efforts to update the information contained, much of it is provided by independent vendors and data feeds, and thus, this site may contain errors, outdated information or purchase conditions, promotions, incentives and/or possible omissions. The State Bank and Trust cannot guarantee the accuracy of information provided, and we encourage buyers to complete their own due diligence in making a decision to build or purchase a home. We also suggest that you seek the professional representation/advice of a licensed Realtor®, as well as any other licensed professional that is appropriate to your purchase decision, including, but not limited to: attorney, accountant, or certified financial planner. Visitors to this site are responsible for the use and decisions made regarding the purchase of a home with regards to the information contained herein. The State Bank and Trust Co. is an Equal Housing Lender. 

Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. The State Bank and Trust is an Equal Opportunity Lender. | Privacy Policy