Real Estate Agent, Auctioneer, Bailbondsman.

Independant Sales Associate, Realtor
333 Cherry Street
Canal Fulton, OH 44614

Mark H. Otto has been licensed as a Real Estate Agent and Auctioneer since 1990. He has resided in both Summit and Stark County his entire life and is member of the Church of Christ, in Clinton, Ohio. Mark is a Mason and member of Elliot Lodge 514, in Canal Fulton, Ohio, as well as a member of the Barberton Natatorium. His daughter, Sara Otto is a 2004 graduate of Northwest High School and is attending the University of Akron's Nursing Program. His Son, Heston Otto is a Senior at Barberton High School

Here are some key items to examine on the documents before you sign for a home mortgage:

	What kind of loan are you getting? Conventional or backed by the federal government?
	Is the interest rate fixed or variable?
	Does the monthly payment include taxes and insurance?
	What fees will you be charged? Question any that you don't understand or that seem unnecessary.
	What is the percentage rate for the interest you will pay? Is it the lowest you qualify for?
	Note how much you will pay during the life of the loan. Does that match what you were told?
	What are the penalties for late payments?
	Is there a prepayment penalty?

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