Let the OHFA help with down payment and closing costs through the profit tax credit or interest-free loan payments until August 2010. Eligible borrowers who participate in the program for their first home buyers or the Ohio Heroes program can use the loan to reduce the costs that a buyer must pay from his pocket when buying a home.

If you qualify for one of the programs for housing loans of OHFA, may decide to take advantage of the benefit program tax credit.

* The OHFA will issue a loan in the form of second mortgage for up to 3% of the purchase price of the house.
* You can use the loan for the down payment for closing costs or other expenses to be paid in advance prior to closing. Note that although the loan will considerably reduce their expenses, you may still need to pay some costs of its pocket if they are not covered by the loan.
* If you take advantage of the loan, the interest rate on the second mortgage is set at 1% higher than the current mortgage rates of OHFA and you begin to pay the August 1, 2010.
* You may be eligible for a new federal tax credit for buyers of their first home of up to $ 8,000. You can claim the credit on your federal tax return for 2008 to be submitted no later than April 15, 2009, or the tax return for 2009 to present in 2010. You can find more information about the tax credit for buyers of their first home on the website of the Internal Revenue Service (IRS).
* There are incentives available if you decide to prepay the loan for the benefit of tax credit for purchasers of homes before June 30, 2010. Otherwise, your mortgage payments will increase slightly due to the additional payment of the second mortgage.

Do I qualify?

To qualify for the benefit of tax credit, you must meet the program requirements of OHFA loans for buyers of homes and closing the transaction of his house before November 30, 2009. You can also claim a federal tax credit of up to $ 8,000 in their federal tax return, 2008 to be submitted before April 15, 2009, or the tax return for 2009 to be presented in 2010. Check the requirements for the program to buyers of their first home and the heroes of Ohio.

In addition, you must:

* Take an educational course for purchasers of housing provided by a housing counseling agency approved by HUD, or
* Use the instructional program for buyers of homes in the OHFA online.

Learn more about the educational options for buyers of homes.
Download Information

You can download information about our loan programs from our download center.

In the coming years, providing excellent customer service will determine the success of any enterprise. Some time in the organizational environment that can be heard this phrase, however, when acting as clients often do not receive a service is consistent with it. It would be useful to recall that when the customer is well served, in addition to comment back.

But if we pause to reflect what is causing this widespread lack of awareness about the service, we can begin with the following: each person who attends our staff belongs to the front line, ie those Employees who have direct contact with the client, since it is difficult to do an executive. This is important, because part of the image that takes the customer of the company, is the treatment given.

The idea is so simple, how to create loyal customers in time, one of the best investments you can make, therefore, is to raise the professional quality of staff. Think of ourselves: we take care to select and train our staff to provide good service?
A good goal is to make regular and casual customers, this is achieved by the service. In this sense, although it is vital to use good technology is not enough to possess the most modern machinery and the best system, all involved must take the most that can be derived from these resources in relation to the unmet needs of market.

At the same time, we must move decisively in the development of the concept of Quality Management. Of course, more than one local entrepreneur might ask: why spend money on quality control if we do not come here?

In the case of products, it is very common to confuse quality control with a gentleman sitting at the end of the line and dedicated to separate the bad from the good that came out. Not so. Quality management aims, simply, that there are no defects. So this is a topic that does not support middle: either you are a fan of the quality of service or is not.

There are several reasons to invest in a program of quality improvement, which vary by market and wanted the technology to process, but always see three reasons that are applicable to any activity and any market:

1. Trade borders, throughout the world, are becoming more permeable, so that new competitors will have at home that have worked for decades in this direction.

2. If you want to place our products or services abroad, we must-at least able to achieve international quality standards, but not only that: we will also have to be competitive in price, delivery conditions, design, etc. ..

3. Consumers today demand higher quality in their purchases and their loyalty to a brand is weakened by adopting an attitude of permanent. If you still have doubts about the benefits of operating quality, I will name – as shown – the following:

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Increased profitability.
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Enhancing the quality of loyal customers.
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Reduced cost of waste.
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Increased staff satisfaction, reducing turnover.
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Increased market share by developing the ability to attract new customers.

Is it so important to quality as a substitute for good management?
No. Personally, I am clear that the final quality of service will never exceed the quality of managerial management. This arises from the following: not enough on training and customer service, it must be a cascade effect, starting with the directors and reaching all staff, maintaining inward (internal customers) the same treatment as out (external client).

Finally, a good way to see what kind of services we are taking is to conduct a brief survey among customers and then take the views of senior management, which generally do not know what happens below.

It is clear that the answers obtained will be the starting point to improve things in business, because ultimately what we’re trying to improve the quality of life.