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Partnership with a quality home builder is important in this market where the buyer’s are informed and specific about what their needs are for a home.   CLICK HERE FOR BUILDER WEBSITE Click to read more


I get emails from a LOT of people…just like many of you.  However, I try to take from that rash of emails information that might be important to pass along to others.  This is one of those instances:

Effective for all case numbers assigned on or after April 1, 2013 the monthly mortgage insurance premium on FHA 30 year fixed rate loans increased from a factor of 125 basis points to 135 basis points. On a $100,000 purchase with 3.5% down that’s a monthly increase of $7.91. Case numbers are assigned when a property goes into contract. Click to read more


We work hard to get the exposure for your properties and to be able to show buyers properties that are available…so when a website let’s me know I’m in the Top 10% – that is GREAT NEWS for my Clients!!
Trulia Rank


We either love or hate “appraisals” and in our market it really can be one or the other or both at any given time!  I was asked to comment on what we see going on in the market and this is a copy of the article ran in the Dayton Daily News on 03/19/13.


CLICK HERE FOR FULL ARTICLE:  Appraisal article 031913 DDN


Finding the right Condo doesn’t have to be difficult – you need “the right Realtor” who is familiar with the Downtown Lifestyle and Condos available so that you can compare what works for YOU.  Contact Tammy to learn more and to schedule your personal tour of these units!  937.838.0997

Brooks House Condos (41 E. First St.)  A charming historic building, the Brooks House features three residential units and looks like a home you would find in a big-city neighborhood. Located just one block from RiverScape, the Brooks House also is a short walk from the Victoria Theatre and Schuster Center. 3 stories, 3 units.

Canal Block Litehouse Development (East First Street & Patterson Boulevard) This distinctive, green urban living option is the first of its kind in the Dayton area. These innovative, brightly colored town homes are environmentally friendly while also being stylish and contemporary. Money-saving incentives are available. 41 planned units.

Cooper Lofts (111 Harries St.) The Cooper Lofts are designed to provide a variety of housing styles, from mezzanine and townhouse units to flats and warehouse-style condos. 4 stories, 24 units.

Cooper Place (East Second Street & Patterson Boulevard) This well-established downtown residential enclave of brick townhouses is just a short walk from RiverScape and Fifth Third Field, as well as downtown’s many other conveniences. 34 units.

Ice Avenue Lofts (215 Ice Ave.) This building features true loft styling with immense open living areas, exposed wood ceilings and columns, old-world charm with modern amenities, and enclosed parking. 4 stories, 17 units.

The Lofts on St. Clair (18-22 S. St. Clair St.) This was the first New York-style loft project in downtown Dayton. The units feature beautiful concrete columns and beams and exposed brick walls, accompanied by modern kitchens and bathrooms. 3 stories, 6 units.

Patterson Square Townhomes (East First Street & Patterson Boulevard) Downtown’s newest urban living community is located across the street from Fifth Third Field and less than a block from RiverScape. The townhomes feature two bedrooms, a live/work space, a private courtyard and second-level deck, open floor plans and an attached garage. 18 units.

Performance Place (109 N. Main St.) This premier downtown address promises spectacular design, top-quality finishings and extraordinary views. Enjoy the energy of the city high above the Schuster Performing Arts Center. 18 stories, 34 units.


Every situation is different, but to get some general guidelines about what is involved, I am happy to say that as a Co-Author – this book has some excellent tips!  Feel free to click on the link here for a FREE e-book version of

Should I Short Sale My Home-Ebook



Curious on how a 50 year old home can be NEW??!!! Check out these two sites:



This is a great opportunity to get an amazing renovated home and obtain down payment assistance.

Call Tammy today at 937-838-0997 or email her at tammy@realhomestolove.com for more details and to get you in that dream home.


The DABR and Partners of Education celebrated Dr Seuss’ birthday with a special reading at Ruskin Elementary with Tammy Murphy. Tammy read to Mrs. Pfeifer’s 2nd grade class, and enjoyed herself thoroughly. Check out this video of her time with the class.


Reading Video

Employer Assisted Housing Network Class Announced in Dayton

Employer Assisted Housing Network Class Announced in Dayton

(Dayton, Ohio, April 6, 2012) The Employer Assisted Housing Network is reaching out to local real estate industry professionals to encourage a partnership between business owners and employees wishing to own their own home.

“Through the National Association of Realtors? Employer-Assisted Housing class, Realtors? are playing an important leadership role in building our communities and addressing the lack of affordable housing opportunities for working families around the Miami Valley area,” says Tammy Murphy, Certified NAR Trainer and professional with Prudential One, REALTORS?.

Murphy, along with a core team of real estate industry professionals, are working diligently in the Miami Valley to gain the much needed exposure to employers. Their efforts have brought the Employer Assisted Housing Network (EAH) to Dayton. The EAH will train real estate industry professionals on how to discuss and implement employer-assisted housing benefits for their employees. The training will take place during two events being held at the Dayton Area Board of Realtors (DABR), and an EAH Forum that will host speakers from the City of Dayton, NAR and participating local employers.

EAH benefits can include one-on-one housing counseling; financial assistance; or workshops for home buyers or owners, including foreclosure prevention workshops. “The EAH classes coming up are the first step,” Murphy says, “and we are moving forward with plans to expand the initiative here quickly.”

Real estate professionals can register for the classes through the DABR website, www.dabr.com, and other industry professionals will contact Tammy Murphy directly. NAR’s Housing Opportunity Program (www.realtor.org/housingopportunity) was created in 2002 to provide Realtors? with the tools and resources they need to promote housing opportunities in their community, in both the rental and homeownership sectors of the market. The program encourages local Realtor? associations to create initiatives aimed directly at increasing housing opportunities available to consumers, and making affordable housing more readily available in their communities.

The dates of the upcoming EAH educational opportunities at the DABR are April 26 and June 12, 2012. The EAH Forum will be held on July 16, 2012 at Sinclair Community College. For more information or to register to attend contact Tammy Murphy with Prudential One, REALTORS?, tmurphy@onehomefinder.com.




Don’t miss out on this four bedroom, four bathroom home! Great opportunity for nearly 2,000 square feet of living space. This home is in a quiet neighborhood with no rear neighbors. Upper level features all four bedrooms, with two full baths. Main floor living offers sunroom/formal living, dining room, family room, as well as kitchen with eat-in area. Two plus car detached garage allows plenty of space for vehicles and storage. Easy commute with close access to interstate 70. Call me today for your personal showing!


For a fun virtual tour click here