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First Time Home Buyers Purchasing a Home

Rent or Buy – Making the Right Choice

For many people, renting a home or apartment seems less-risky or easier than buying a home. However, it is important to think through all of the details.  You may find that it makes sense to buy your own place—instead of remaining a renter. We’ve put together a few things you should consider to determine if […]

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Budgeting Credit Repair

Credit Repair – The Basics

In most cases, purchasing a home involves obtaining a mortgage. To qualify for the amount needed for the home you desire and the best rates, you will need a solid credit score. This number will vary from case to case, but no matter what the number, it never hurts to improve your current standing. We’ve […]

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First Time Home Buyers Purchasing a Home

Myths About Home Buying

Buying a home is one of the most important steps you will ever take. What this means is that you will get a lot of advice about the process from friends, family, co-workers and possibly even perfect strangers. Some of this advice may be useful, but much of it could be less-than-helpful or even downright […]

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Down Payment Mortgages

Understanding Down Payment Assistance Options

Kentucky homebuyers have many options when it comes to choosing a mortgage. Buyers who have a down payment ready to go may have seemingly a world of choices, but even buyers who need some assistance will have opportunities. We have put together a brief guide to two common forms of down payment assistance—so you can […]

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Mortgages Purchasing a Home

Who’s Who When It Comes to Home Buying?

If you are planning to buy a home, you know the process is not something you will do alone. However, you may not realize exactly how many people are actually involved in a home sale until you get started. In fact, the number of individuals can be a bit overwhelming. That’s why we have put […]

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Cash Out Refinance Mortgages

Is A Cash-Out Refinance Right For You? Five Questions to Ask Yourself

Whether you want to make improvements to your house, have dreams of travel or pursuing a hobby, or you are facing a personal crisis, extra money could almost always come in handy. If you are a homeowner with equity in your home, you may have access to cash that you didn’t even realize you did. […]

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Conventional Loans First Time Home Buyers Mortgages

4 Financial Perks for First Time Home Buyers

Buying a house for the first time can be insanely scary. After all, it will likely be the biggest investment of your lifetime and the process is quite daunting. However, there are many perks too (outside of simply becoming a homeowner!) Consider these four financial incentives available for first-time homebuyers. Loans Targeting First Time Homebuyers – […]

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FHA Loans Mortgages

FHA Loans and Your Credit Score – The Basics

For well qualified homebuyers, the number of home loan options can seem almost overwhelming. However, for those who have struggled with bad credit or who have no credit, there are fewer options than you may think. However, an FHA loan is often the one solution that is mentioned again and again as a possibility—even for […]

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Jumbo Loans Mortgages

What is a Jumbo Mortgage Anyway?

Even as a mortgage professional, I am sometimes overwhelmed by the number of different loan types available. FHA, VA, Conventional, Fannie Mae, Freddie Mac… All those words seem to run together and can become quite confusing. However, when you start browsing loans, one loan type is likely to jump out at you—and probably not in […]

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Conventional Loans FHA Loans Kentucky Housing Loans Mortgages USDA Loans

Four Popular Loan Options for Kentucky Buyers

One thing I find interesting about my job as a lender is that so many buyers do not realize that they have options! Many times potential homebuyers come into the mortgage lender ready to obtain a home loan, but they do not realize that not all home loans or mortgages are the same. Homebuyers in […]

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