Should you be buying a home RIGHT NOW...

 If you are a first time home buyer, the answer is yes.
 If you are relocating, the answer is yes.
 If you are a picky buyer and need another home, the answer is yes.

    Why do I say yes to all these scenarios?
           
            1. Interest rates are low.
            2. Most homes are priced realistically. I can tell you if a fair price is being asked or if it is priced too high.
            3. There are a lot of homes for sale. This high inventory means that there is a very good chance that you are going to find the home
                 you want at the price you want.

Any one of the above alone is reason enough to buy a home, but put them all together and you have a powerful force working in your favor. Hit the "Contact Me" button above and tell me your goals. I can help.

 

Century Mortgage

What should I do first?

· Know your budget. Get pre-approved with a mortgage loan officer this will give you an informed opinion on what you can afford. I can provide you names of

     loan officers that have a proven track record of helping buyers.

· Most of the time you can do this initially over the phone. This is a positive point to a seller, it lets them know you are serious about buying a home and that you

     are credit worthy.

· I can help you gather information on the true cost of home ownership - taxes, insurance and closing costs. Don't forget to budget for upkeep. Bear in mind that upkeep will vary depending on age and condition of the home.

· Know your neighborhoods and decide where you want to live. Is it important to be close to your job, schools or church? Or would you rather live in a more secluded area? Talk to your potential neighbors and visit the area during different times of the day.

· Decide what kind of house would work best for you. Will you be more comfortable in a ranch, 2 story, patio home or a condominium? What are the important elements in a home - a big back yard, a basement, a large kitchen, a home theater, a garage? Keep a list and make sure your Real Estate professional knows what you want!

· If your search includes new homes, choose a reputable builder and make sure you have in writing the costs are included and what the allowances are and know that a new house may cost a bit more than one that is pre-existing.

Don Taylor
Realtor
502.773.0738

2616 Bardstown Rd.
Louisville, KY. 40205
502-451-4107

The following is a list of Mortgage Loan officers that buyers have worked with and have had very good results. When searching for a lender for your home purchase, it is always a good idea to get several comparison quotes. If you already have a good relationship with a lender, call them as well. You are free to use anyone you feel comfortable with.

American Mortgage
Keith Kaufman
Phone: 502–552-5924
Email - keith.kaufman@americanmortgage.com

Century Mortgage Company
Rhonda Raderer
Direct: 502-753-4114
Email –rraderer@centurymortgagecompany.com

United Financial Group
Kurt Ehret
Phone: 502-671-0408
Email: kurt@ufglending.com