Lenders: 
Churchill Mortgage- Steve Collins 513-324-0257
Benjamin Stone – Gateway Mortgage 937-238-9088

Questions to ask lenders:

• What kind of rate do I qualify for?
• Should I pay for points?
• What are my closing costs?
• How much would you charge to refinance?
• Do I pay for the appraisal? If so, when?
• What is the best home loan for me?
• How much do I need for down payment?
• What is PMI ( Private Mortgage insurance)?
• What are your broker fees?
• What documents do I need to get pre- approved?
• How do you manage rate locks?
• Are you do a hard or soft credit check?
• Will it affect my credit score?
• Do you have an origination fee?

Inspectors:
1st Inspection Service #937-684-9544
Ohio Certified Inspection #937-818-5372

Questions to ask the inspector:

• When do I receive the report?
• How long will you be at the home?
• What time should I arrive?
• When do you receive payment?
• Do you check chimney, HVAC, electric?
• Can you schedule termite, radon and whole house?
• Do you give any discounts if I order all 3?

Additional Inspection Options:
Mold Inspection: Environmental Doctor 937-433-5202
Termite: Neil Evans 937-432-8482
Wood Burning Fireplace: Bedfords 937-435-4778
Chimney Cleaning: Ted’s Chimney 513-932-1908
Septic Inspection:  A-1 Septic Tank Service 937-302-8147 or 937-382-8968
Well Quality Test: Call the county
Cistern Inspection: Massie Creek Plumbing 937-469-2032
Pool Inspection: Heatwave 937-439-9283 & Joe Poelking 937-238-3457
Roofing Inspection: RTM Roofing 937-689-4754
Heating and Air: Comfort Medic 937-546-5110 Frank Purdue
Electric:  Light House Electric 937-829-8357 Brian Erisman

Insurance: 
Patton Insurance Troy Patton 513-404-8987

Utility Phone Numbers: 

Electric
Dayton Power & Light 937-331-3900 or 1-800-433-8500
Duke Energy 1-800-544-6900

Gas
Vectren 1-800-909-7668

Telephone Companies
AT&T 1-800-660-1000  
MCI 1-800-950-5555 
Sprint 1-800-877-4646 
Verizon 1-888-881-8161

Cable Television
AT&T U-Verse 1-800-288-2020 
Comcast 1-855-521-7839 
Direct TV 1-800-531-5000 
Spectrum1-833-267-6094

Water Service
Beavercreek………562-7457
Bellbrook…………..848-4738
Centerville…………781-2688 
Clayton……………..781-2688
Dayton………………333-3550
Englewood………..836-5106 
Enon………………….328-2600
Village of Enon…..864-5570
Fairborn…………….754-3007
Franklin……………..746-9921
Green County…….562-7450
Kettering……………781-2688 
Huber Heights……233-3292 
Lebanon……..513-932-3060 
Lebanon (outside city limits) 513-695-1377
Miamisburg……………..847-6635
Miami Twp………………781-2688
Montgomery County.781-2688 
Moraine…………………..781-2688
Oakwood…………………298-0400
Springboro………………748-9721 (water, trash, sewer)
Warren County………..425-1377 
Washington Twp……..781-2688
Waynesville………513-897-8015
Union………………………836-8624
Vandalia…………………..415-2231 
West Carrollton……….781-2688 
Xenia……………………….376-7232

Waste Removal
Centerville………………….428-4782
Clayton……………………….836-3500
Dayton………………………..333-4800
Englewood………………….836-5106
Kettering…………………….296-2400
Huber Heights……233-3292 
Miamisburg………………..847-6635
Moraine……………………..535-1000
Oakwood……………………298-0600 
West Carrollton………….859-8280

(if a city is not listed, see independent contractor’s list)

Independent Contractors
Rumpke………………………………..461-0004
Waste Management…..1-800-343-6047