The Merkle Team

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Jonny Merkle




Jonny Merkle

Jonny has been in the real estate business since he was 16 years old working alongside his dad as he acquired investment properties, in 2008 Jonny joined his father and began his real estate investment career.

He found his true passion in real estate in 2012 when he began purchasing properties for rehab and re-sale In 2015 he took his career one step further and got his real estate license.

He enjoys guiding buyers and sellers through the process of purchasing and selling real estate, as his clientele crew he decided to create The Merkle Team to ensure all clients receive 110% of his efforts all of the time.

As of 2020 The Merkle Team evolved consisting of Jonny and Shelly.

Introducing The Merkle Team, a dynamic duo dedicated to providing exceptional real estate services in the Cincinnati and Dayton markets, as well as all surrounding areas. Led by Jonny, this team is committed to ensuring their clients'; satisfaction by going above and beyond expectations.

Jonny's journey in the real estate industry began at a young age, working alongside his father to acquire investment properties. Since the age of 16, he has immersed himself in the world of real estate. In 2012, Jonny expanded his expertise by venturing into property rehabbing, and in 2015, he took his career to the next level by obtaining his real estate sales license. With years of experience under his belt, Jonny takes great joy in guiding both buyers and sellers through the intricate process, ensuring they have a seamless and positive experience.

Shelly, on the other hand, has always had a profound passion for helping others. Her journey has taken her through various people-oriented professions, from her background as a registered nurse to her current role as a Realtor. Shelly's dedication to her clients is unwavering, and she strives to understand their needs and surpass their expectations. Specializing in customer service, Shelly builds strong relationships with her clients and is driven by the fulfillment of matching them with their dream homes.

Together, Jonny and Shelly form The Merkle Team, a harmonious partnership that combines their expertise and passion for providing a personalized and professional experience. They pride themselves on not only delivering outstanding results but also fostering a genuine connection with their clients. With The Merkle Team by their side, clients can feel confident that they have a trusted ally and friend throughout their real estate journey.

Whether you're buying or selling a property, The Merkle Team is dedicated to delivering nothing short of excellence. Their extensive knowledge of the Cincinnati and Dayton markets, coupled with their commitment to exceptional service, ensures that clients receive a remarkable experience from start to finish. Contact The Merkle Team today and let them guide you toward your real estate goals with unparalleled expertise and a personal touch.

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Buying A Home?

Buying your first home should be a rewarding and exciting time in your life, and one that you look back on with fond memories.

Selling A Home?

If you’re selling your home right now, or thinking about doing it soon, you should know that today’s housing market is unlike anything.

What My

Clients Say

The Merkle team is the absolute best !! We couldn’t have asked for better people to help us through our first home buying experience. They make sure you get everything you want/need. We love our farm, we are so thankfully for them. They took amazing care of us ❤️

Madison & John

Jonny was amazing! He went above and beyond to make our dream home come true. He answered all questions and concerns we had any time of day. We really appreciate all of Jonny’s hard work and dedication!

Kelly Miniard

For anyone in the look out for buying or selling a home. I would 100% recommend Jonny Merkle to be your agent.

Cheyenne Jones/ Jatana Oliver

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Frequently Asked Questions

Why do you need a Realtor?

When buying or selling a home, there are so many options…which can also present a lot of obstacles. Laws change, forms change, and practices change all the time in the real estate industry. Because it’s our job to stay on top of those things, hiring a realtor reduces risk, and can also save you a lot of money in the long run.

When you work with me as your Realtor, you’re getting an expert who knows the area; knows how to skillfully guide your experience as a seller or buyer; can easily spot the difference between a good deal and a great deal. My job is to translate your dream into a real estate reality, and I work hard to earn and keep my business. This also means earning your trust: When you work with me, you’ll be working with a realtor who looks out for your best interests and is invested in your goals.

Which loan should you choose?

There are two different types of loans conventional loans and government-backed loans. The main difference is who insures these loans:

1 - Government-backed loans (FHA, VA and USDA):

(a) - Are, unsurprisingly, backed by the government.

(b) - Include FHA loans, VA loans, and USDA loans.

(c) - Make up less than 40 percent of the home loans generated in the U.S. each year.

2 - Conventional loans

(a) - Are not backed by the government.

(b) - Include conforming and non-conforming loans (such as jumbo loans).

(c) - Make up more than 60 percent of the loans generated in the U.S. each year.

What is the difference between FHA, VA and USDA loans?


FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment of as little as 3.5 percent and a credit score as low as 580.

FHA loans are often called “helper loans,” because they give a leg up to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits, which are determined based on housing values for the county where the for-sale home is located.

Because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.


VA loans are backed by the Department of Veterans Affairs and they are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.

Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.


You may also hear about USDA loans, which are backed by the United States Department of Agriculture mortgage program. USDA loans are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.

What’s a conventional loan? Understanding what it means to be conforming and non-conforming

Buyers who have a more established credit history and a larger down payment may prefer to apply for a conventional loan. These loans may offer a lower interest rate and only require the home buyer to purchase monthly mortgage insurance while the loan-to-value ratio is above a certain percentage, so a conventional loan borrower can typically save money in the long run.

Conventional loans are divided into two types: Conforming loans and non-conforming loans.


Conforming loans are those that meet (or conform to) predetermined standards set by Fannie Mae and Freddie Mac — two government-sponsored institutions that buy and sell mortgages on the secondary market. By selling the loans to "Fannie and Freddie," lenders can free up their capital and return to issue more mortgages than if they had to personally back every loan that they approve.

The main standard for conforming loans is that the amount borrowed must be under a certain amount; in Alaska, a single-family home loan must be under $647,200 in order to be considered conforming.

Properties with more than one unit have higher limits.


But what happens if a borrower wants to borrow more than the Freddie- and Fannie-approved loan amount? In this case, they would have to apply for a “jumbo loan,” which is the most common type of non-conforming loan.

Because the lender cannot resell the jumbo loan (or any non-conforming loan) to Freddie Mac or Fannie Mae, jumbo loans are considered to be riskier than a conforming loan. To protect against this risk, the bank will typically require a higher down payment; the interest rate on a jumbo loan may also be higher than if the same borrower applied for a conforming loan.

What kind of rate should you choose?

Rate types: Fixed-rate vs. adjustable-rate mortgages.

In addition to the loan type you choose, you’ll also have to determine if you want a fixed-rate mortgage or an adjustable-rate mortgage (ARM). A fixed-rate mortgage has an interest rate that does not change for the life of the loan, so it provides predictable monthly payments of principal and interest.

An adjustable-rate mortgage typically offers an initial introductory period with a low-interest rate. Once this period is over, the interest rate adjusts periodically, based on the market index. The initial interest rate on an ARM can sometimes be locked in for different periods, such as one, three, five, seven, or 10 years. Once the introductory period is over, the interest rate typically readjusts annually.

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