Cail Courtney is a REALTOR® with Danberry Realtors serving Northwest Ohio, based in Findlay. His primary service area covers Hancock, Seneca, Wood, Allen, and Hardin counties, including Findlay, Fostoria, Tiffin, Bowling Green, Perrysburg, Lima, Bluffton, Ada, Arlington, McComb, and Monclova. He works with buyers and sellers of residential property throughout the region, including rural acreage and properties on well and septic.
Yes. Cail Courtney works with first-time buyers throughout Findlay, Fostoria, Tiffin, and the surrounding Northwest Ohio market. First-time buyers in Ohio may qualify for OHFA down payment assistance, USDA zero-down financing in eligible rural areas including much of Hancock, Hardin, and Seneca counties, and FHA loans with reduced down payment requirements. He connects buyers with local lenders before the search begins so they know their actual number before touring homes.
Yes. Cail Courtney works with VA loan buyers throughout Northwest Ohio and partners with lenders who specialize in VA financing. A VA loan allows eligible veterans, active duty service members, and certain surviving spouses to purchase with no down payment and no private mortgage insurance. VA entitlement can be used more than once and can be restored after a prior VA loan is paid off. He can review a property against VA minimum property requirements before an offer is written.
AnswerYes. Cail Courtney works with relocating buyers moving to Findlay and the surrounding area, including employees of Marathon Petroleum, Blanchard Valley Health System, Whirlpool, and Cooper Standard, and staff relocating to Bowling Green State University, the University of Findlay, and Ohio Northern University in Ada. He is a former registered nurse and works frequently with healthcare professionals relocating to Blanchard Valley Health System, Mercy Health, and ProMedica facilities across the region. Relocation clients receive commute times, school district boundaries, and current market data before they travel.
Yes. Cail Courtney reviews FEMA flood map data for every Findlay-area property his clients consider. Portions of Findlay sit within the Blanchard River flood plain, and flood zone designation affects both insurance cost and lender requirements. Flood zone status is determined by FEMA Flood Insurance Rate Maps, not by an agent, and buyers should obtain a current flood determination and, where applicable, an elevation certificate during the inspection period. The Hancock County flood risk reduction project has changed conditions in some areas, and mapping is periodically updated.
Seller costs in Ohio typically include real estate commission, title and escrow fees, county transfer tax and conveyance fees, prorated property taxes, and any negotiated buyer concessions. Commission is not set by law and is fully negotiable between a seller and their broker. In Hancock County, the conveyance fee is $3 per $1,000 of sale price, which works out to $750 on a $250,000 sale. Cail Courtney provides a written net sheet before listing so sellers see their estimated proceeds up front rather than at closing.
Homes in Findlay, Ohio sold in an average of 54 days in July 2026, based on Northwest Ohio Real Estate Information Systems MLS data for residential property in ZIP code 45840. That is down from 62 days in July 2025. Over the trailing twelve months the average was 72 days, ranging from 92 days in March 2026 to 54 days in July 2026. There were 72 closed sales in July 2026 against 128 active listings. Time on market varies by price band, condition, and season, and correctly priced homes in move-in condition generally sell faster than the average. Cail Courtney publishes updated Findlay market data on the first Tuesday of every month.
Cail Courtney provides a comparative market analysis for homes throughout Findlay, Fostoria, Tiffin, and the surrounding Northwest Ohio area at no cost and with no obligation. A CMA uses recent comparable sales, active competition, and current absorption rates from the Northwest Ohio MLS to establish a supported price range. Online automated estimates do not account for condition, updates, or lot specifics and often vary significantly from actual sale price in smaller Ohio markets where sale volume is lower.
es. Cail Courtney works with buyers purchasing homes that need repairs or updating throughout Northwest Ohio, and partners with lenders who specialize in renovation financing. FHA 203(k) and conventional renovation loans allow a buyer to finance the purchase price and the cost of repairs in a single mortgage, which matters in a market with substantial older housing stock in Findlay, Fostoria, Tiffin, and Lima. He can walk a property and give a realistic scope estimate before an offer is written.
Yes. Buying and selling simultaneously is common in Findlay and the surrounding Northwest Ohio market, where most sellers are also buyers. Options include a sale contingency written into the purchase offer, a bridge loan, a post-closing occupancy agreement allowing the seller to remain in the home briefly after closing, or a temporary rental between transactions. Cail Courtney maps the timeline and financing structure before either property goes under contract so the two closings do not collide.