In this Issue of: Mentor Local Buzz 🐝

🌧️ Weather: Mostly Cloudy with Afternoon Showers - Temps 63-66

 📢 Local Events from Mentor & the Area: MentorLocalBuzz.com/Events!

 📰 Local News: 📰 Shoreline Erosion Prompts Closure of MOL Playground

 🚨 Woman Wanted on Felony Charges Sought in Geauga, Lake Counties

 🚨 Chaos Erupts at Great Lakes Mall Arcade, Teen Staff Reported Shoved

 👨‍👩‍👧‍👦 Special Section: Real Estate: 🏡 10 Ways to Avoid PMI Without 20% Down

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

⚾ Sports: 🥍 Mentor Rolls Past Wolverines, Preps for Showdown with Medina

 🏀 Cavs Rest Stars, Pacers Make History in Dramatic Double OT Victory

⚾ Ragans Shines as Royals Snap Guardians’ Streak with 4-2 Win

 🤔 Trivia Question

 🤣 Something Funny

 📢 Advertise With Us! 

Contact Mentor Local Buzz - [email protected] - 440-256-6115

👉 Events in Mentor & the Area!
Visit MentorLocalBuzz.com/Events
Featured Event for April 14

See All the Events
MentorLocalEvents.com/Events

📰 Shoreline Erosion Prompts Closure of Mentor-on-the-Lake Playground

Erosion Forces Closure of Playground at Overlook Beach Park in Mentor-on-the-Lake

Due to ongoing shoreline erosion along Lake Erie, the playground at Overlook Beach Park in Mentor-on-the-Lake has been closed indefinitely. The city's administration announced the closure on April 11, citing safety concerns as the shoreline continues to recede near the playground area, creating a hazardous hole near the fence line.

City officials are urging residents to keep children away from the restricted zones while plans are underway to address the situation. The playground is set to be dismantled and relocated to a safer location within the park. In addition, efforts will be made to reinforce the shoreline and prevent further erosion.

The city emphasized that while these improvements will take time, updates will be provided as progress is made.

Read the Original Story at cleveland19.com

🚨 Woman Wanted on Felony Charges Sought in Geauga, Lake Counties

Geauga County Authorities Seek Dangerous Fugitive with Extensive Criminal History

The Geauga County Sheriff’s Office has issued a wanted alert for 42-year-old Geri Johnson in collaboration with the U.S. Marshals Fugitive Task Force. The alert, shared publicly on the sheriff’s office Facebook page, stems from a probation violation and Johnson’s prior criminal record.

Authorities noted that Johnson, whose most recent whereabouts were in Geauga and Lake counties, is facing felony charges. Due to the nature of the offenses and her history, officials have warned the public not to approach her.

Johnson's past includes a series of serious offenses such as assaulting a police officer, resisting arrest, domestic violence, escape, drug abuse, and child endangerment.

Law enforcement urges anyone with information on her whereabouts to contact authorities immediately.

Read the Full Story at Fox8.com

🚨 Chaos Erupts at Great Lakes Mall Arcade, Teen Staff Reported Shoved

An incident at the Round1 Arcade inside Great Lakes Mall in Mentor has sparked concerns after multiple altercations were reported involving patrons and young employees. According to witness accounts circulating online, the chaos unfolded when fights broke out near the entrances, with some adult customers reportedly shoving teenage staff members.

In response to growing disorder, management allegedly instructed several teen workers to check IDs on the arcade floor and remove anyone under 21 who was not accompanied by an adult. This directive reportedly led to tense interactions, including a verbal confrontation between a parent and one of the employees.

Further accounts described unruly groups of young patrons throwing food into bowling lanes, contributing to the already chaotic scene. The situation has prompted questions about how the incident was handled and whether proper measures are in place to protect underage staff during disruptive events.

Local authorities have not yet confirmed details, but the incident has been reported in multiple locations online.

🏡 10 Ways to Avoid PMI Without a 20% Down Payment in 2025

Private mortgage insurance (PMI) is a common expense for homebuyers who can’t afford a 20% down payment. While PMI allows buyers to secure a mortgage with less money upfront, it adds a significant cost to monthly payments. Fortunately, in 2025, there are several ways to avoid PMI—even with less than 20% down.

PMI typically applies to conventional loans when borrowers put down less than 20% of the home’s value. This insurance protects the lender if the borrower defaults. Costs can range from 0.30% to 1.15% of the loan balance annually, meaning it can easily add $100 or more to monthly payments, depending on the loan size and borrower profile.

Strategies to Avoid PMI in 2025

Even if you’re short of the 20% threshold, several loan options and strategies can help you sidestep PMI:

1. Lender-Paid Mortgage Insurance (LPMI): Instead of paying PMI monthly, lenders cover the cost and typically charge a slightly higher interest rate in return.

2. Piggyback Loans: A popular option, especially for conventional loans. This involves taking a second mortgage to cover part of the down payment—typically in an 80/10/10 setup (80% first mortgage, 10% second loan, 10% down payment).

3. VA Loans: Available to eligible veterans and active-duty service members, VA loans require no down payment and come with no PMI.

4. USDA Loans: Designed for buyers in qualifying rural areas, these loans also require no down payment and no PMI, though they include a separate mortgage insurance fee.

5. First-Time Homebuyer Programs: Many local and state programs offer loans with low down payments and no PMI requirements.

6. Portfolio Loans: These are mortgages held by the lender instead of being sold to investors, and they may not require PMI even with less than 20% down.

7. High-Balance or Jumbo Loans: While not all jumbo loans require PMI, lenders typically expect a higher down payment or strong financial reserves.

8. Gifts or Grants: Using gifted funds from family or grants from down payment assistance programs can help buyers reach the 20% mark and avoid PMI.

9. Home Price Negotiations: Reducing the purchase price through negotiation may allow the buyer’s available down payment to hit the 20% threshold.

10. Employer Homebuyer Assistance Programs: Some employers offer housing assistance that can help increase the effective down payment and eliminate the need for PMI.

PMI vs. FHA MIP

It’s essential to distinguish PMI from the Mortgage Insurance Premium (MIP) required for FHA loans. While PMI can be canceled once the loan balance reaches 80% of the home's value, MIP usually lasts for the life of the loan—unless a 10% down payment was made and the borrower has paid MIP for at least 11 years. In such cases, refinancing into a conventional loan may be the best way to eliminate MIP.

Getting Rid of PMI After Buying

For current homeowners, PMI can often be removed once they’ve paid down their mortgage to 80% of the home’s original value. Lenders are required by the Homeowners Protection Act to automatically cancel PMI at 78% loan-to-value (LTV), provided the borrower is current on payments. Homeowners can also refinance if their home’s value has increased, potentially qualifying them for a new loan without PMI.

Read the original Article Here which is packed with good information

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

6722 Silvermound Dr., Mentor, OH. 44060
4 Beds, 3.5 Baths, 2,724 Sqft. 0.35 Acre Lot
Sale Price $539,900
Listed by: Carol Nagel Brokered by Carol Nagel, Inc. REALTORS
Link to Property Listing

9181 Sugarbush Dr., Mentor, OH 44060
4 Beds, 3 Baths, 3,520 Sqft. 0.46 Acre Lot
Sale Price $429,995
Listed by: Kayla Clark Brokered by McDowell Real Estate
Link to Property Listing

8952 Trailwood Ct., Mentor, OH 44060
4 Beds, 2.5 Baths, 2,709 Sqft., 0.3 Acre Lot
Sale Price $389,900
Listed by: Andrea Dorfmeyer Brokered by COLDWELL BANKER SCHMIDT REALTY
Link to Property Listing

9590 Lakeshore Blvd. Mentor, OH 44060
4 Beds, 1.5 Baths, 2,217 Sqft. 3.07 Acre Lot
Sale Price $315,000
Listed by: Luanne Lette Brokered by Exp Realty, Llc.
Link to Property Listing

4820 Brooksdale Rd., Mentor, OH 44060
3 Beds, 1 Baths, 1,012 Sqft. 7200 Sqft. Lot
Sale Price $150,000
Listed by: Tiffany Green Brokered by McDowell Real Estate
Link to Property Listing

Link to Other Listings in Zip Code 44060

🥍 Mentor Rolls Past Wolverines, Preps for Showdown with Medina

The Mentor Cardinals girls varsity lacrosse team earned a dominant 12-4 win over West Geauga on Saturday, improving their season record to 5-3.

Senior Abby Harps led the charge with 4 goals and 2 assists, totaling 6 points. Ella Predina added 3 goals and an assist, while Ava Lee and Sydney Fink chipped in with 2 goals apiece. Riley Corsaro also found the back of the net.

Mentor finished with 20 shots on goal and a .600 shooting percentage. On the defensive end, sophomore I. Grabowski notched 2 ground balls, 2 caused turnovers, and 1 unforced error.

Goalkeeper Sammy McGinnis played all 48 minutes, stopping 8 of 12 shots for a 4.0 goals-against average and securing her first win of the season.

The Cardinals will host Medina in their next matchup on Tuesday.

🏀 Cavs Rest Stars, Pacers Make History in Dramatic Double OT Victory

The Pacers overcame a 23-point deficit in the fourth quarter to beat the Cavaliers 126-118 in double overtime. With the win, Indiana reached 50 victories for the first time in a decade and clinched the fourth seed. Cleveland rested most of its starters, but young players like Jaylon Tyson stepped up. Jarrett Allen capped off his season playing in all 82 games.

Read the Full Article at apnews.com

⚾ Ragans Shines as Royals Snap Guardians’ Streak with 4-2 Win

Cole Ragans struck out 10 and walked none over 7 2/3 innings to earn his first win of the season, leading the Kansas City Royals to a 4-2 victory over the Cleveland Guardians on Sunday. The win ended Cleveland’s five-game winning streak.

Ragans, who allowed just four hits and two runs (one earned), threw 64 of 89 pitches for strikes. Salvador Perez tied the game in the fourth with his second homer of the year, and Maikel Garcia delivered a two-run double in the fifth to put Kansas City ahead for good.

Kyle Isbel and Garcia each had three hits, while Freddy Fermin’s walk and Isbel’s double set up Garcia’s key hit. Cleveland’s Ben Lively took the loss, giving up four runs on seven hits over six innings.

Carlos Estévez notched his fifth save, striking out three straight after a leadoff single in the ninth. Daniel Schneemann had an RBI double for Cleveland in the second inning.

Jonathan India sat out for the Royals with a quad injury, while Cleveland’s Lane Thomas missed his fifth game with a bruised wrist.

Read the Full Story and See the Stats at espn.com

Source: Google

🤣 Something Funny 🤣