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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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First Time Home Buyers Mortgages Pre-Approval Purchasing a Home

Why Get Pre-Approved?

“Oh, I’ll just wait until I find a house and take care of the financing then…” That could be the one phrase that comes back to haunt you one day. Working in the mortgage industry, I hear from all types of homebuyers—from those who have 20-year plans to those who like living life by the […]

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Equity Mortgages Refinance

How Much Equity Do I Need to Refinance?

As a loan officer, I may not always be the life of the party full of witty stories about my workday. However, friends and neighbors do come to me regularly with questions about buying homes, mortgages and, more recently, refinancing. It seems with the immediate mortgage crisis beginning to subside that homeowners are starting to […]

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FHA Loans Mortgages Purchasing a Home USDA Loans VA Loans

Is a Down Payment All That’s Holding You Back From Home Ownership?

Does it seem like you’ve been to a lot of housewarming parties lately? Home ownership is once again becoming more financially feasible here in the Louisville area, and it could be your turn to host a cracker, wine and cheese party too. Owning a home is the “American Dream”—now more than ever before. Plus, if […]

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