Dayton FHA Loan Rates, Closing Costs & Stats

DAYTON-KETTERING, OH

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Dayton's 164 lenders originated 3,900 FHA loans during 2021. The total origination value was $600,980,000, with an average FHA loan value of $154,097.

Dayton FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Dayton averaged 0.1% for the week of 2022-11-25, compared to the national average (all FHA variants) of 0% for the same period.

Dayton's average FHA mortgage closing costs are $5,669.

The average rate for the prior week (2022-11-18) was 6.62% and one month ago for the week of 2022-10-21, the average rate was 6.93%.

The average rate one year ago was 3.6%.

For refis of the same type during the week of 2022-11-25, the average rate was -0.06%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Dayton FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Dayton level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
QUICKEN LOANS, LLC 482 2.80% $5,935
DAS Acquisition Company, LLC 294 3.40% $6,683
CALIBER HOME LOANS, INC. 287 3.07% $5,364
THRIVE MORTGAGE, LLC 150 3.44% $6,559
Union Savings Bank 139 2.97% $5,470
LOANDEPOT.COM, LLC 138 3.34% $6,291
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 131 3.38% $6,756
WRIGHT-PATT CREDIT UNION, INC. 127 2.89% $5,255
The Huntington National Bank 113 3.11% $6,162
PRIMELENDING, A PLAINSCAPITAL COMPANY 104 3.59% $7,027
FREEDOM MORTGAGE CORPORATION 77 3.00% $3,710
PENNYMAC LOAN SERVICES, LLC 69 3.19% $4,285
UNION HOME MORTGAGE CORP. 67 3.32% $6,630
VILLAGE CAPITAL MORTGAGE 52 3.06% $2,201
Mr. Cooper ( Nationstar Mortgage ) 50 3.35% $3,285
T2 FINANCIAL LLC 48 3.64% $7,374
LAKEVIEW LOAN SERVICING, LLC 45 3.11% $4,369
NVR Mortgage Finance, Inc. 43 3.10% $9,611
UNITED WHOLESALE MORTGAGE, LLC 40 2.90% $6,132
PRIMARY RESIDENTIAL MORTGAGE, INC. 36 3.87% $6,335
Carrington Mortgage Services, LLC 34 3.80% $5,886
CELEBRITY HOME LOANS, LLC 33 3.53% $7,408
Bank of England 31 3.72% $8,118
NORTHERN MORTGAGE SERVICES, LLC 30 3.19% $4,690
U.S. Bank 27 3.33% $5,718
CROSSCOUNTRY MORTGAGE, LLC 27 3.20% $8,790
MORTGAGE 1 INCORPORATED 25 3.39% $6,812
Fifth Third Bank 25 3.06% $4,703
POLARIS HOME FUNDING CORP. 23 3.16% $7,169
MOVEMENT MORTGAGE, LLC 23 3.26% $5,888
RUOFF MORTGAGE COMPANY, INC. 23 3.35% $4,670
Gateway First Bank 21 3.20% $6,257
NFM, INC. 20 3.44% $7,801
LIBERTY HOME MORTGAGE CORPORATION 19 3.41% $8,677
MYCUMORTGAGE, LLC 19 2.99% $5,411
Paramount Residential Mortgage Group, Inc. 18 3.68% $6,949
VICTORY MORTGAGE, L.L.C. 18 2.78% $8,851
VAN DYK MORTGAGE CORPORATION 17 3.40% $7,918
MID AMERICA MORTGAGE, INC. 16 2.96% $3,799
GUILD MORTGAGE COMPANY 16 3.48% $7,479
AMERICAN MORTGAGE SERVICE COMPANY 16 2.89% $5,984
NEWREZ LLC 16 3.15% $4,537
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 16 3.42% $8,400
HOME POINT FINANCIAL CORPORATION 14 2.68% $4,340
AMERISAVE MORTGAGE CORPORATION 14 3.17% $7,533
EQUITY RESOURCES, INC. 14 3.23% $5,308
PLANET HOME LENDING, LLC 12 3.15% $4,940
JPMorgan Chase Bank 12 2.99% $4,920
AmeriHome Mortgage Company, LLC 11 3.19% $3,736
RAPID MORTGAGE COMPANY 11 3.57% $7,218
BROKER SOLUTIONS, INC. 10 3.29% $7,210
HOMEBRIDGE FINANCIAL SERVICES, INC. 9 2.63% $6,320
Cincinnati Federal 9 3.17% $6,796
Mortgage Research Center, LLC 9 3.11% $5,706
First Guaranty Mortgage Corporation 8 2.91% $5,169
WEST PENN FINANCIAL SERVICE CENTER, INC. 8 2.81% $6,373
AMERIFIRST FINANCIAL CORPORATION 8 3.25% $7,634
Ixonia Bank 8 3.38% $6,086
ARC HOME LLC 7 3.05% $7,148
CMG MORTGAGE, INC. 6 3.71% $5,257
GUARANTEED RATE, INC. 6 2.90% $6,230
Equity Prime Mortgage LLC 6 3.38% $8,030
AMERICAN FINANCIAL NETWORK, INC. 6 3.10% $10,905
SIBCY CLINE MORTGAGE SERVICES, INC. 6 2.73% $5,464
NATIONS RELIABLE LENDING, LLC 6 3.90% $8,025
American Midwest Mortgage Corporation 6 2.98% $7,732
STOCKTON MORTGAGE CORPORATION 5 3.50% $7,531
Western Ohio Mortgage Corporation 5 3.15% $6,140
BAYSHORE MORTGAGE FUNDING, LLC 5 3.48% $7,957
AmRes Corporation 5 3.30% $6,512
GUARANTEED RATE AFFINITY, LLC 5 3.23% $5,888
HOMESIDE FINANCIAL, LLC 5 3.25% $6,216
InterContinental Capital Group, Inc 5 3.13% $5,145
KeyBank 5 2.88% $6,169
Lakeview Community Capital, LLC 5 3.05% $3,864
TCF National Bank 5 2.85% $5,164
MORIA DEVELOPMENT, INC. 5 4.20% $8,062
THE EQUITABLE MORTGAGE CORPORATION 4 2.97% $9,384
US MORTGAGE CORPORATION 4 3.75% $7,869
PACIFIC RESIDENTIAL MORTGAGE, LLC 4 3.81% $8,229
GUARANTY HOME MORTGAGE CORPORATION 4 3.25% $5,264
The Park National Bank 4 2.84% $6,561
KELLER MORTGAGE, LLC 4 2.91% $6,116
AMERICAN FINANCING CORPORATION 4 3.16% $7,668
SUCCESS MORTGAGE PARTNERS, INC. 3 3.50% $7,396
1st National Bank 3 2.67% $7,880
HAMILTON HOME LOANS, INC. 3 3.58% $5,337
MUTUAL OF OMAHA MORTGAGE, INC. 3 2.79% $5,731
First Financial Bank 3 2.83% $7,672
LENDUS, LLC 3 3.50% $7,100
Hometown Equity Mortgage, LLC 3 3.17% $8,947
Mercantile Bank of Michigan 3 3.08% $5,606
PHH Mortgage Corporation 3 3.08% $8,513
SUN WEST MORTGAGE COMPANY, INC. 3 3.33% $8,076
CHURCHILL MORTGAGE CORPORATION 3 2.92% $6,512
GENEVA FINANCIAL, LLC 3 3.17% $6,643
RELIANCE FIRST CAPITAL, LLC 3 2.88% $8,482
DIRECT MORTGAGE LOANS, LLC 3 3.42% $7,832
Citizens Bank 3 2.96% $5,588
Barrington Bank & Trust Company, N.A. 3 3.17% $6,491
DEVELOPER'S MORTGAGE COMPANY 3 3.58% $4,720
INSPIRE HOME LOANS INC. 3 3.04% $7,899
Hometown Lenders, Inc. 3 3.57% $9,378
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.25% $6,987
PARTNERS UNITED FINANCIAL, LLC 2 3.69% $7,061
LAND HOME FINANCIAL SERVICES, INC. 2 3.31% $4,608
Civista Bank 2 2.75% $7,916
TOP FLITE FINANCIAL, INC. 2 3.31% $9,641
The Union Bank Company 2 3.13% $8,821
AMERICAN PACIFIC MORTGAGE CORPORATION 2 2.88% $7,743
AMCAP MORTGAGE, LTD. 2 2.94% $7,518
DHI MORTGAGE COMPANY, LTD. 2 2.94% $5,763
Low VA Rates, LLC 2 2.69% $5,962
SUMMIT FUNDING, INC. 2 3.75% $3,655
DRAPER AND KRAMER MORTGAGE CORP. 2 3.90% $5,683
PANORAMA MORTGAGE GROUP, LLC 2 2.75% $7,406
ZILLOW HOME LOANS, LLC 1 2.88% $8,319
1ST SIGNATURE LENDING, LLC 1 4.00% $8,210
American Security Mortgage Corp. 1 3.25% $5,431
Bank of America 1 3.25% $8,334
BELEM SERVICING LLC 1 3.75% $4,810
BETTER MORTGAGE CORPORATION 1 3.25% $5,237
CLEARPATH LENDING 1 3.25% $8,122
Colonial Savings, F.A. 1 2.75% $4,894
CONTOUR MORTGAGE CORPORATION 1 3.75% $8,488
East Coast Capital Corp. 1 2.38% $7,054
EMM LOANS LLC 1 3.63% $11,347
ENDEAVOR CAPITAL, LLC. 1 3.13% $2,486
ENVOY MORTGAGE, LTD 1 4.13% $7,992
EVERETT FINANCIAL, INC. 1 3.50% $4,920
Evolve Bank & Trust 1 3.75% $6,806
FINANCE OF AMERICA MORTGAGE LLC 1 3.25% $5,171
First Federal Bank 1 3.13% $7,620
First Option Mortgage, LLC 1 3.50% $6,727
Florida Capital Bank 1 3.13% $10,467
Guardian Savings Bank, A Federal Savings Bank 1 3.00% $6,702
HALLMARK HOME MORTGAGE, LLC 1 3.75% $5,803
J. VIRGIL, INC. 1 3.50% $10,266
MICHIGAN MUTUAL, INC. 1 2.25% $6,375
MIDLAND MORTGAGE CORPORATION 1 3.25% $2,364
M/I FINANCIAL, LLC 1 3.00% $10,274
MLD MORTGAGE INC. 1 3.25% $9,887
Nations Lending Corporation 1 2.75% $13,384
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.25% $5,859
Northpointe Bank 1 2.75% $6,405
OCEANSIDE MORTGAGE COMPANY 1 2.75% $2,457
OCMBC, INC. 1 3.25% $3,081
Peoples Bank 1 2.63% $6,255
Plains Commerce Bank 1 2.50% $11,157
PLAZA HOME MORTGAGE, INC. 1 2.99% $5,175
PLUS RELOCATION MORTGAGE, LLC 1 3.25% $6,420
PNC Bank 1 3.00% $5,985
PREMIA MORTGAGE, LLC 1 2.50% $6,645
PRIORITY MORTGAGE CORP. 1 3.13% $8,623
Regions Bank 1 2.75% $9,227
Republic Bank & Trust Company 1 3.13% $3,640
RESIDENTIAL BANCORP. 1 2.75% $6,095
ROYAL UNITED MORTGAGE LLC 1 3.00% $9,249
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK 1 2.75% $7,187
STEARNS LENDING, LLC 1 3.25% $12,375
The Home Loan Expert LLC 1 2.99% $7,977
TOWNE MORTGAGE COMPANY 1 3.63% $6,169
Wells Fargo Bank 1 3.38% $4,154
Willamette Valley Bank 1 3.25% $5,666

The top Dayton FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 482 FHA loans originated. Their average total fees are $5,935, which is $748 lower than the next largest lender, DAS Acquisition Company, LLC.

The lowest fee Dayton FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($2,201), Mr. Cooper ( Nationstar Mortgage ) ($3,285), FREEDOM MORTGAGE CORPORATION ($3,710), AmeriHome Mortgage Company, LLC ($3,736) and MID AMERICA MORTGAGE, INC. ($3,799).

The lowest rate Dayton FHA lenders (with over 10 loans originated) are HOME POINT FINANCIAL CORPORATION (2.68%), VICTORY MORTGAGE, L.L.C. (2.78%), QUICKEN LOANS, LLC (2.80%), AMERICAN MORTGAGE SERVICE COMPANY (2.89%) and WRIGHT-PATT CREDIT UNION, INC. (2.89%).

Dayton FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
DAYTON-KETTERING, OH GREENE 2022 $420,680 $538,650 $651,050 $809,150
DAYTON-KETTERING, OH MIAMI 2022 $420,680 $538,650 $651,050 $809,150
DAYTON-KETTERING, OH MONTGOMERY 2022 $420,680 $538,650 $651,050 $809,150

Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Dayton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $127,900 (11.3%) $184,514 (9.6%) 0.47 2,363
2018-02-01 $132,398 (15.2%) $190,297 (12.7%) 0.48 2,205
2018-03-01 $139,500 (21.4%) $197,479 (14.0%) 0.48 2,099
2018-04-01 $139,900 (16.7%) $198,972 (9.1%) 0.47 2,095
2018-05-01 $144,950 (17.6%) $207,840 (13.2%) 0.48 2,130
2018-06-01 $154,900 (22.5%) $213,319 (13.7%) 0.52 2,311
2018-07-01 $159,450 (11.9%) $216,067 (9.9%) 0.53 2,435
2018-08-01 $157,750 (12.3%) $214,234 (8.9%) 0.53 2,606
2018-09-01 $149,900 (7.2%) $206,009 (4.8%) 0.50 2,783
2018-10-01 $147,450 (2.2%) $202,919 (3.4%) 0.49 2,876
2018-11-01 $148,700 (8.2%) $201,445 (3.9%) 0.50 2,823
2018-12-01 $146,900 (13.1%) $197,932 (6.3%) 0.50 2,633
2019-01-01 $145,500 (13.8%) $197,165 (6.9%) 0.50 2,235
2019-02-01 $146,450 (10.6%) $204,554 (7.5%) 0.49 2,024
2019-03-01 $151,429 (8.6%) $206,206 (4.4%) 0.49 2,230
2019-04-01 $154,950 (10.8%) $205,434 (3.3%) 0.49 2,513
2019-05-01 $158,925 (9.6%) $208,411 (0.3%) 0.49 2,527
2019-06-01 $165,000 (6.5%) $220,231 (3.2%) 0.51 2,022
2019-07-01 $175,950 (10.4%) $225,261 (4.3%) 0.55 2,169
2019-08-01 $174,000 (10.3%) $228,771 (6.8%) 0.55 2,141
2019-09-01 $169,950 (13.4%) $229,739 (11.5%) 0.54 2,126
2019-10-01 $171,445 (16.3%) $228,540 (12.6%) 0.55 2,242
2019-11-01 $169,000 (13.7%) $226,391 (12.4%) 0.55 2,174
2019-12-01 $162,200 (10.4%) $224,889 (13.6%) 0.54 1,908
2020-01-01 $161,450 (11.0%) $223,184 (13.2%) 0.54 1,677
2020-02-01 $169,900 (16.0%) $228,584 (11.8%) 0.55 1,442
2020-03-01 $187,400 (23.8%) $242,074 (17.4%) 0.59 1,496
2020-04-01 $192,325 (24.1%) $241,444 (17.5%) 0.60 1,423
2020-05-01 $198,000 (24.6%) $252,227 (21.0%) 0.60 1,271
2020-06-01 $207,445 (25.7%) $254,780 (15.7%) 0.61 1,157
2020-07-01 $200,950 (14.2%) $253,519 (12.5%) 0.58 1,137
2020-08-01 $199,900 (14.9%) $254,779 (11.4%) 0.57 1,141
2020-09-01 $209,900 (23.5%) $258,208 (12.4%) 0.60 1,183
2020-10-01 $199,969 (16.6%) $257,858 (12.8%) 0.57 1,227
2020-11-01 $189,950 (12.4%) $252,261 (11.4%) 0.54 1,205
2020-12-01 $185,450 (14.3%) $249,327 (10.9%) 0.54 1,062
2021-01-01 $194,900 (20.7%) $247,295 (10.8%) 0.57 831
2021-02-01 $195,000 (14.8%) $264,451 (15.7%) 0.56 601
2021-03-01 $182,400 (-2.7%) $272,152 (12.4%) 0.51 609
2021-04-01 $183,900 (-4.4%) $276,076 (14.3%) 0.49 600
2021-05-01 $195,000 (-1.5%) $285,115 (13.0%) 0.51 632
2021-06-01 $199,500 (-3.8%) $282,182 (10.8%) 0.52 801
2021-07-01 $212,900 (6.0%) $287,155 (13.3%) 0.55 934
2021-08-01 $214,950 (7.5%) $288,253 (13.1%) 0.57 1,135
2021-09-01 $207,400 (-1.2%) $287,809 (11.5%) 0.55 1,149
2021-10-01 $199,000 (-0.5%) $268,495 (4.1%) 0.52 1,147
2021-11-01 $189,000 (-0.5%) $269,152 (6.7%) 0.50 998
2021-12-01 $188,700 (1.8%) $272,894 (9.5%) 0.50 905
2022-01-01 $180,000 (-7.6%) $269,908 (9.1%) 0.48 699
2022-02-01 $197,450 (1.3%) $286,116 (8.2%) 0.50 506
2022-03-01 $214,900 (17.8%) $294,997 (8.4%) 0.53 532
2022-04-01 $214,900 (16.9%) $274,174 (-0.7%) 0.51 742
2022-05-01 $217,450 (11.5%) $290,618 (1.9%) 0.49 929
2022-06-01 $227,450 (14.0%) $298,630 (5.8%) 0.51 1,081
2022-07-01 $227,500 (6.9%) $292,982 (2.0%) 0.51 1,260
2022-08-01 $227,000 (5.6%) $288,637 (0.1%) 0.52 1,310
Dayton's median listing price for 2022-08-01 was $227,000, a difference of $12,050 (5.6%) versus the prior year and $-500 versus the prior month.

Dayton's median listing price comes in at 52% of the national average.

Dayton's average listing price for 2022-08-01 was $288,637, a difference of $384 (0.1%) versus the prior year and $-4,345 versus the prior month.

For the 2022-08-01 period, Dayton had 1,310 MLS listings, a difference of 50 listings (4%) versus the prior month and 175 listings (15%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Dayton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 76 days 1,493 sqft
2018-02-01 68 days 1,535 sqft
2018-03-01 50 days 1,635 sqft
2018-04-01 45 days 1,640 sqft
2018-05-01 42 days 1,666 sqft
2018-06-01 44 days 1,680 sqft
2018-07-01 44 days 1,713 sqft
2018-08-01 46 days 1,708 sqft
2018-09-01 49 days 1,664 sqft
2018-10-01 52 days 1,644 sqft
2018-11-01 56 days 1,639 sqft
2018-12-01 65 days 1,602 sqft
2019-01-01 74 days 1,598 sqft
2019-02-01 72 days 1,588 sqft
2019-03-01 53 days 1,630 sqft
2019-04-01 41 days 1,664 sqft
2019-05-01 37 days 1,668 sqft
2019-06-01 39 days 1,705 sqft
2019-07-01 41 days 1,768 sqft
2019-08-01 46 days 1,749 sqft
2019-09-01 49 days 1,717 sqft
2019-10-01 46 days 1,693 sqft
2019-11-01 52 days 1,680 sqft
2019-12-01 61 days 1,668 sqft
2020-01-01 65 days 1,631 sqft
2020-02-01 56 days 1,637 sqft
2020-03-01 40 days 1,694 sqft
2020-04-01 47 days 1,701 sqft
2020-05-01 60 days 1,730 sqft
2020-06-01 50 days 1,777 sqft
2020-07-01 40 days 1,765 sqft
2020-08-01 35 days 1,762 sqft
2020-09-01 36 days 1,776 sqft
2020-10-01 33 days 1,762 sqft
2020-11-01 38 days 1,704 sqft
2020-12-01 50 days 1,655 sqft
2021-01-01 58 days 1,568 sqft
2021-02-01 54 days 1,541 sqft
2021-03-01 37 days 1,524 sqft
2021-04-01 32 days 1,569 sqft
2021-05-01 28 days 1,516 sqft
2021-06-01 24 days 1,607 sqft
2021-07-01 24 days 1,691 sqft
2021-08-01 25 days 1,622 sqft
2021-09-01 31 days 1,574 sqft
2021-10-01 35 days 1,559 sqft
2021-11-01 40 days 1,533 sqft
2021-12-01 43 days 1,488 sqft
2022-01-01 49 days 1,448 sqft
2022-02-01 46 days 1,499 sqft
2022-03-01 28 days 1,580 sqft
2022-04-01 28 days 1,510 sqft
2022-05-01 29 days 1,557 sqft
2022-06-01 27 days 1,613 sqft
2022-07-01 30 days 1,624 sqft
2022-08-01 36 days 1,665 sqft
Dayton's median listing age (time on market) for 2022-08-01 was 36 days. This is 47% longer than the same period one year ago.

Dayton's median square footage for active listings during the 2022-08-01 period was 1,665 sqft. One year prior, the average listing was 1,622 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).