In this Mentor Local Buzz Issue…

🌤️ Mentor Weather - Mostly Cloudy - Temps 69-72

 🎉 Mentor Live Events - 50+ Live Events. Events Added Daily

 🪖 Veterans Day 2024 Events Across NE Ohio: Parades, Ceremonies, and More

 🎅 Farmpark Hosts Breakfast with Santa, Winter Wagon Rides, and More

🤾‍♀️ Beginner Racquetball Class Now Open for Saturday Sign-Ups!

 👨‍👩‍👧‍👦 Special Section: Real Estate: 💰 FHA Cash-Out vs. Streamline Refinance: Choose the Right Option for Your Needs

🏘️ Featured New Home Listings for Sale in Mentor, Ohio (44060)

 🏈 With Playoff Hopes Fading, Browns Set Eyes on Rebuild and Youth

⚽ Cougars Celebrate Remarkable 18-2-1 Season, Fall in Division III Regional

 🤔 Trivia Question

 🤣 Something Funny

👉👉 Put Your Local Business in the Spotlight! Click Here

👉 Mentor Live Events 👈
Nov 4-6

Complete list of events and all the details in the link above “Mentor Live Events”. New Events Added Daily.

See All the Upcoming Events Here at:
Mentor Live Events!
50+ Event Dates

🪖 Veterans Day 2024 Events Across Northeast Ohio: Parades, Ceremonies, and More

In Northeast Ohio, Veterans Day 2024 is on November 11th and will be marked by ceremonies, parades, and events to honor and celebrate veterans and active military personnel across the region. As this special day approaches, communities are organizing gatherings to commemorate their service and sacrifice.

Akron will host a tribute to Civil War veteran Lewis P. Buckley at the Glendale Cemetery on November 8 at 11:30 a.m. The event, organized by the Akron Municipal Court, includes a ceremony in the Civil War Memorial Chapel followed by a walking tour.

Beachwood residents can enjoy a Veterans Day concert on November 11 at the Cuyahoga County Public Library's Beachwood branch. The concert, featuring patriotic music by The High Notes, runs from 3 p.m. to 4 p.m.

In Brunswick, a Veterans Day ceremony is scheduled for 11 a.m. at City Hall on November 11, co-hosted by the American Legion Post 234 and VFW Post 9520.

In Chagrin Falls, a Veterans Day ceremony at Triangle Park is planned for 11 a.m. on November 11, hosted by the local VFW and the Chagrin Falls Fire Department.

The Cleveland ceremony takes place at the Soldiers' & Sailors' Monument downtown, scheduled from 11 a.m. to noon on November 11.

In Green, the community’s Veterans Day Ceremony will be held at Veterans Memorial Park, beginning at 10:30 a.m. on November 11.

Mansfield will hold a parade on November 11, starting at 10:30 a.m. along Park Avenue West, followed by a program at Central Park's Gazebo.

Mentor’s Veterans Day Ceremony will occur at the Mentor Municipal Cemetery memorial promenade at 11:11 a.m. on November 11.

In Oberlin, a Veterans Day Appreciation Ceremony will be held at 4 p.m. inside Oberlin Elementary School, with keynote speakers, music from the student band and choir, and light refreshments afterward.

Each event across Northeast Ohio offers a unique way for residents to pay tribute to veterans, demonstrating respect and appreciation for their service to the country.

🎅 Farmpark Hosts Breakfast with Santa, Winter Wagon Rides, and More

Families are invited to celebrate the holiday season with a special breakfast at the Farmpark café, featuring a visit from Santa himself. After enjoying a hearty breakfast, children will have the chance to meet Santa on his sleigh and choose a wooden toy from his favorite designs to take home and assemble. The holiday fun continues with a winter wagon ride around the Farmpark, complete with a stop at the arena for a holiday-themed equine presentation. Families are encouraged to stay and participate in the Farmpark's regular daily activities as well.

Each child aged 12 and younger will receive a take-home toy kit, while additional kits can be purchased on the day of the event for $5 each. For an added holiday treat, pony rides are available in the arena for $6 (cash only).

The breakfast menu features a classic spread of scrambled eggs, bacon, sausage, breakfast potatoes, French toast, and fresh fruit, with coffee, juice, and milk. The event will have two time slots, at 9 a.m. and 10:30 a.m.

Tickets, which must be purchased online, will be available in two stages: Lake County residents and Farmpark members can buy them starting Monday, November 4 at 8 a.m., while the general public can access ticket sales starting Tuesday, November 5 at 8 a.m. Registration is required for all attendees, including children under 2 years old.

Get all the Details at LakeMetroparks.com

🤾‍♀️ Beginner Racquetball Class Now Open for Saturday Sign-Ups!

Beginner racquetball classes are held every Saturday from 9:00 to 10:30 a.m., covering essentials like equipment, rules, and fundamentals. Instructor Mark Ruth encourages participants to bring a racquet and safety goggles. The fee is $8 for members and $10 for nonmembers, with advance registration preferred.

More info, click here

LynchforRecorder.com

💰 FHA Cash-Out vs. Streamline Refinance: Choose the Right Option for Your Needs

The FHA cash-out refinance offers homeowners a practical way to leverage their home’s equity and secure funds for various expenses, from home improvements to debt consolidation. Through this refinancing option, borrowers can access up to 80% of their home’s current market value, cashing out the difference between the new loan amount and their remaining mortgage balance. This approach not only provides flexibility in how funds can be used but also offers more lenient credit requirements than conventional loans, making it accessible even for those with less-than-perfect credit.

To apply for an FHA cash-out refinance, borrowers start by assessing their home’s equity, which is determined by the home’s market value minus any outstanding mortgage balance. Lenders also evaluate the borrower’s credit score, debt-to-income ratio, and income stability to ensure the ability to manage the refinanced mortgage. Applicants must work with an FHA-approved lender and complete a standard loan application, along with providing necessary documentation. After approval, the borrower moves to the closing stage, where they can finalize the refinance and access their funds.

While FHA cash-out refinancing provides a way to unlock home equity, it includes specific conditions. Borrowers must leave 20% of the home’s value untouched and pay closing costs that typically range from 2% to 6% of the loan amount. They must also pay for FHA mortgage insurance, an upfront premium of 1.75%, and an annual premium of 0.55%. These added costs should be factored into the decision, as they affect the overall savings and monthly payment.

Compared to conventional cash-out loans, FHA cash-out refinancing offers a more lenient path for those with lower credit scores. However, it can only be applied to primary residences, unlike some conventional options. For homeowners seeking a lower rate or additional funds with flexible usage, the FHA cash-out option is worth considering, especially in markets where rates remain favorable. However, those looking solely to reduce their mortgage payments without taking cash back may find the FHA Streamline Refinance option more suitable. Read more in the link below.

Read the Entire Article at themortgagereports.com

🏘️ Featured New Home Listings for Sale in Mentor, Ohio (44060)

8085 King Memorial Rd., Kirtland Hills, OH. 44060
5 Beds, 5.5 Baths, 7,288 Sqft., 5.7 Acre Lot
Sale Price $1,599,000
Listed by: Jason A Smith Brokered by COLDWELL BANKER SCHMIDT FAMILY OF COMPANIES
Link to Property Listing

9389 Baldwin Rd., Kirtland Hills, OH 44060
3 Beds, 3 Baths, 1,940 Sqft., 5.37 Acre Lot
Sale Price $549,900
Listed by: Beth Osborne Brokered by Homesmart Real Estate Momentum Llc
Link to Property Listing

8527 Harvest Home Dr., Mentor, OH 44060
3 Beds, 2.5 Baths, 2,800 Sqft., 0.50 Acre Lot
Sale Price $379,900
Listed by: Angie Grajzl Brokered by RE MAX Results

8219 Midland Rd., Mentor, OH 44060
4 Beds, 1.5 Baths, 1,855 Sqft., 0.25 Acre Lot
Sale Price $259,900
Listed by: Juan Gutierrez Perez Brokered by McDowell Real Estate
Link to Property Listing

8060 Edgewood Rd., Mentor, OH 44060
3 Beds, 1 Bath, 1,080 Sqft., 0.63 Acre Lot
Sale Price $219,900
Listed by: Jacob Sudnick Brokered by Berkshire Hathaway HomeServices Professional Realty
Link to Property Listing

Link to Other Listings in Mentor or Zip Code 44060

🏈 With Playoff Hopes Fading, Browns Set Eyes on Rebuild and Youth

After a brief glimmer of hope, the Cleveland Browns crashed back to reality with a tough 27-10 loss to the Los Angeles Chargers on Sunday. Despite a previous victory led by fill-in quarterback Jameis Winston, the Browns found themselves unable to maintain momentum, faltering in both offense and defense as the Chargers capitalized on wide-open opportunities against Cleveland’s secondary. The latest defeat has left many Browns fans accepting a hard truth: the season’s goals may need a recalibration toward future development rather than immediate playoff ambitions.

Winston, who briefly gave Cleveland fans a reason to dream, struggled with three interceptions on Sunday. These turnovers, combined with defensive coverage lapses, dashed any lingering hopes for a late-season push. Now with an 8-game stretch ahead and little chance of making the playoffs, Cleveland may use the remaining season to experiment and evaluate younger talent on the roster.

For fans bracing for change, this could mean seeing more young players like defensive end Isaiah McGuire and backup quarterback Dorian Thompson-Robinson in action. While key figures like Myles Garrett and Nick Chubb are unlikely trade candidates due to their central role and popularity, reports suggest that veteran players, such as Za’Darius Smith, may soon be on the move as the team looks to gain more draft capital and clear salary cap space.

As Cleveland looks toward a long-term rebuild, fans can expect more difficult decisions from the Browns' front office, potentially trading away established players to build a future that can support a more competitive team. It’s a shift in strategy that may bring short-term frustration but could set the Browns up for success down the road.

⚽ Cougars Celebrate Remarkable 18-2-1 Season, Fall in Division III Regional Finals

The Lake Catholic Cougars boys' soccer team delivered a stellar performance in the Division III Regional Finals, showcasing their resilience and skill on Sunday. Facing off against Shawnee High School from Lima, Ohio, the Cougars played with determination but ultimately fell short with a final score of 4-2, concluding their impressive season as Regional Runner-Ups.

Despite the loss, the Cougars have much to celebrate. They finished the season with an outstanding record of 18-2-1, earning the title of conference champions. Their remarkable journey through the season and regional tournament highlights the strength and talent of this dedicated team. The Lake Catholic community couldn’t be prouder of these athletes and the incredible spirit they displayed on the field.

🤣 Something Funny 🤣