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Click here to search all Homes for sale in Central Ohio
 
Reynoldsburg Home Sale
Price Reduced # 515
Reynoldsburg Home for sale
Zip 43068 Reynoldsburg
Freddie Mac Foreclosures
Foreclosed Discount Homes
Columbus Freddie Mac Real Estate

HUD Foreclosures
Columbus Foreclosure
Partial rehab SOLD # 516
Columbus Foreclosed Home

Zip 43227 Columbus
Fannie Mae HUD Homes
for Sale on this site

Foreclosure Homes For Sale
HomePath
By Fannie Mae
Lancaster Home for Sale
Ranch Move in Ready # 709
Lancaster Ranch Home for sale
Zip 43130 Lancaster
Foreclosed Hilliard
4 BR SOLD # 504
Foreclosed Hilliard Home
Zip 43026 Hilliard
Columbus Home
4 BR Foreclosure # 520
Foreclosed Columbus Home

Zip 43204 Columbus
Columbus Foreclosed
2 BR SOLD # 756
Investor Foreclosure Columbus Ohio
Zip 43207 Columbus
Canal Winchester Home
3 BR Reduced # 531
Canal Winchester Foreclosure for sale

Zip 43110Canal Winchester
Grove City Foreclosure
3 BR SOLD # 310
Grove City Foreclosure

Zip 43123 Grove City
Westerville Foreclosure
3 BR SOLD # 526
Westerville Foreclosure

Zip Code 43081
Columbus Foreclosure
Condo SOLD # 527
Foreclosure in Columbus ohio

Zip 43228 Columbus
Westerville Real Estate
3BR 2 story # 517
Westerville Foreclosure for sale

 Zip 43081 Westerville
Foreclosed Columbus
2 BR 1.5 bath # 528
Columbus Foreclosed Home for Sale

Zip 43207 Columbus
Columbus Foreclosure
4 BR 2.5 bath # 309
Columbus Home for Sale

Zip 43221 Columbus
Columbus Foreclosure
3 BR SOLD # 511
Columbus Real Estate Foreclosed

Zip 43224 Columbus
Columbus Real Estate
3 BR Nice 529
Columbus Real Estate for sale

Zip 43227 Columbus
Columbus Foreclosed
2 story SOLD # 506
Columbus Real Estate
Zip 43211 Columbus
Hebron Home for Sale
3 BR SOLD # 524
Hebron Foreclosure

Zip 43025 Hebron
Pataskala Foreclosure
3 BR  2.87 Acres # 713
Pataskala Foreclosure

Zip 43062 Pataskala
New Albany Foreclosed
2 BR Condo  # 518
New Albany Foreclosure

Zip 43054 New Albany
Grove City Real Estate
3 BR 2 baths # 317
Grove City Home for Sale
Zip 43123 Grove City
Columbus Real Estate
3 BR SOLD # 708
Columbus investor foreclosure

Zip 43222 Columbus
Columbus Foreclosure
3 BR SOLD # 726
Columbus Foreclosure for Sale

Zip 43228 Columbus
Columbus Home for sale
SOLD     # 523
Columbus Foreclosed Home for Sale

Zip 43204 Columbus
Reynoldsburg Condo
2 story Condo # 719
Reynoldsburg Condo for sale

Zip 43068 Reynoldsburg
Columbus Foreclosed
2 BR SOLD # 217
Columbus Foreclosed Home

Zip 43211 Columbus
Lancaster Foreclosure
3 Br Split nice # 522
Lancaster Foreclosure for Sale

Zip 43130 Lancaster
 Columbus Foreclosure
2 BR 2 Bath # 512
Foreclosed Columbus Home

Zip 43229 Columbus
Lancaster Foreclosure
SOLD    # 509
Lancaster Real Estate Foreclosure
Zip 43130 Lancaster
Foreclosure Real Estate
2 BR SOLD # 530
Newark Foreclosed Condo
Zip 43055 Newark
Gahanna Foreclosure 
3 BR Condo # 508
Gahanna Real Estate for Sale

  Zip 43230 Gahanna
Foreclosure Newark
3 BR SOLD # 514

Newark Foreclosure for sale

Zip 43055 Newark
Delaware OH Land
  SOLD      # 525
Land for sale
Zip 43015 Delaware
Columbus Foreclosure
SOLD     # 521
Foreclosed Columbus Home

Zip 43231 Columbus 
Columbus Real Estate
3 BR investment # 510
Investment Columbus Real Estate

Zip 43204 Columbus

Real Estate for Columbus and Central Ohio, Freddie Mac Bank Owned Homes, Buyers Agents, School Reports, Relocation Packages and Fannie Mae HUD Real Estate For Sale.

Why use Clifford Realtors

When you are searching for Foreclosure Real Estate in Columbus and Central Ohio in many cases we are the Real Estate Company that lists these homes for Freddie Mac. We have foreclosed homes for sale in all of Central Ohio. Unlike many other Companies, we don't just offer you lists of foreclosures, we actually list and sell foreclosed real estate. Here you can deal direct with Clifford Realtors the Company that lists many of these homes for sale. We offer the complete MLS (Multiple Listing Service) including condos, town homes, foreclosures and new homes.


Before you start seriously shopping for a home in Columbus and Central Ohio, there's some groundwork you should do to put yourself in the best position to buy a home. Remember there is great pride in owning your home.

Start early, a couple of months before you talk to a lender or hire a real estate professional.

Check and repair your credit

The Fair Credit Reporting Act requires the three nationwide consumer credit report companies, Equifax, Experian, and Transunion, to provide you with a free copy of your credit report and FICO scores upon request once a year. You can order the reports by visiting AnnualCreditReport.com, or call 1-877-322-8228.

Each credit report company has its own criteria for scoring your credit report. A lender will usually use the middle FICO score. All three scores need to be as high as possible for you to receive the best interest rates.

If you can, order the reports at least three months before applying for your home loan. If you find a mistake you need to correct, or you want to improve your score by paying down an account, you'll need at least two months before the credit score improves.

You can dispute an inaccurate item on the report by contacting the consumer reporting company and the information provider in writing. Be sure to include copies of your proof.

Don't accidentally raise your scores

Lenders not only look at how much credit you're using, they consider how much credit you have available. However, now is not the time to be opening any new accounts or closing existing accounts.

Don't purchase furniture or a new car or any other big ticket item before buying a home. Lenders are very careful about the amount of debt you have and how much you pay down every month on the debt payments you have.

Get Loan Pre-approval

Don't start house hunting without knowing how much home you can buy. To find out, you have to apply for a loan, which means you're sharing financial information with the lender such as income and work history, student loans, child support or alimony, and credit card balances.

Contact your lender for a preapproval letter. The letter shows that the lender has taken a 1003 loan application, studied your debt ratios to your income, and helped you select a loan program such as fixed rate, ARMs (adjustable rate mortgages), FHA or VA government-backed loans, etc.

Your lender will confirm your down payment source, interest rate, type of loan that's best for your circumstances, and the terms of your loan. The lender will give you a loan commitment based on your qualifications. The home you select must meet appraisal, and the underwriting department must approve the loan.

A preapproval letter will open doors for you, pardon the pun. Sellers will be impressed because you're prepared to buy and that a lender has agreed to process your loan. Your real estate agent will have to know the terms of your loan in order to write your offer.

Find out about federal, state, and local government incentives

Get help with your loan rate, closing costs and/or down payments through federal and state housing authority programs. For example, there are also incentives for   police, fire fighters/emergency services personnel and teachers.

Each community is different, so click on HUD's Housing Authorities to find out what's being offered in your community. Your city may be offering tax incentives to revitalize a designated public improvement area.

Narrow the choices

Think about how you want to live. One story or two? Low-maintenance condo or big yard for the kids? New or older home?

Drive through the Columbus or Central Ohio neighborhoods you're interested in and look at homes. With Google maps, video, virtual tours, multiple photos, school reports, neighborhood reports and more available online or on phone apps, you can get a good idea of what neighborhoods, home styles, and home prices are like where you want to live.

Find an Experienced Real Estate Broker or Agent

Buying a first home is a complex process. An experienced real estate broker or agent will assist you all through the process: the home search, comparable homes sold, making an offer, inspection, repairs, and the appraisal, as well as help you find the best value, neighborhood, and quality home for your budget and requirements.

Don't expect perfection

There's no perfect home. You may want all the latest amenities of a new home, but even new homes come at a price, including longer commutes, higher community fees, and bigger price tags.

Homes that need updating are priced below homes that are up to the minute and move-in ready. That could be to your financial advantage, so try to look beyond outdated fixtures and focus instead on the floor plan and dimensions. Ignore the seller's tastes and imagine each room clean and clear of clutter and with your own things in them.

Most cosmetic changes are relatively inexpensive, and you can even pay for them with your mortgage loan, in some cases. Talk to your lender.

Think long-term investment

Buying a home can be a wise financial investment, if you buy right and hold your home for long-term gain. Because of closing and moving costs, it's nearly impossible to buy a home and sell it immediately for a large gain, but it is possible to sell after a couple of years with no capital gains tax should you make a profit.

According to the National Association of REALTORS, home equity growth beats inflation by about one to two percent annually, not to mention government subsidies for home ownership in the form of tax relief and other incentives.

However, if you look at owning a home strictly as an investment, you'll miss many pleasures. Look at your home as a home, rather than part of your portfolio. Buying a home allows you to live in the neighborhood you want for as long as you want, without having to worry that the landlord is going to sell out from under you. Your stake in a home makes you part of the community, committed to making it a better place to live.         Written by: Blanche Evans, edited by Mike Clifford

Dora Clifford Real Estate
Dora Clifford
Broker/Owner
When Real Estate experience counts
Freddie Mac - Homesteps
614-501-1500
dclifford@cliffordrealtors.com



Ed Hafer Real Estate
Ed Hafer
Realtor
614-501-1500
Cell: 614-397-8670
ehafer@cliffordrealtors.com

 

Molly Gordon Real Estate Foreclosures
Molly Gordon
Realtor
Buyer Specialist

molly@cliffordrealtors.com
614-501-1500
Cell: 614-626-9341
 

Michael T. Clifford Real Estate
Michael T. Clifford
Realtor

mtclifford@cliffordrealtors.com
614-501-1500
Cell: 614-735-0425


Nick Davis Real Estate
Nick Davis
Realtor
nickdavis@cliffordrealtors
614-501-1500
Cell: 614-633-6995


AJ Davis Foreclosures For Sale
A.J. Davis
Realtor
ajdavis@cliffordrealtors.com

614-501-1500
Cell: 614-915-7119

Chris Davis Clifford Realtors
Chris Davis, Realtor
Preferred Auctioneer


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Updated 09/19/2014
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