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Which home loan is right for me?

So, you are thinking about making the leap—you want to buy a home. You probably know that there are several options for home loans available today. While many people choose a “conventional loan,” perhaps your needs are anything but conventional. How do you decide if a conventional, USDA, FHA or other loan is right for you? We’ve put together a few tips to help you choose.

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How USDA loans work

USDA Logo

With all of the lending options available today, it is understandable that every borrower may not understand each and every type of loan. However, if you are located in any rural area around Louisville, Kentucky, one loan you should learn more about is the USDA loan. It could be a great way for you to borrow for the home of your dreams.

What is a...

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Balancing student debt with dreams of homeownership.

Balancing Student Debt

One of the biggest stories in finance today is the “student loan crisis” and it’s affecting people in Louisville, Kentucky. In fact, one of the few issues that nearly everyone, regardless of political affiliation, agrees upon is that something needs to change.

We don’t know yet whether this change will be coming in the form of...

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Using Your Home Equity to Your Advantage

Home Equity

So, you have got plenty of money and couldn’t use a few extra thousand for any reason—right? Chances are, that is not the case. If you are like most people, you could certainly benefit from additional funds. Refinancing your home for a “cash out” option could be the solution you need to help you solve those problems. If your home has equity, you can...

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Closing Costs - What You Need to Know

What you need to know about closing costs

As a first time homebuyer in Louisville, Kentucky, you have many things on your mind. It is important to relax and realize that some of the things you may feel are most stressful are not that big of a deal. One of those potential stressors is the idea of paying closing costs. When you’...

Why Spring is the Prime Time to Refinance

spring time finance

Is there a best time of the year to refinance your mortgage? That’s a question that only you will know the answer to—after all, everyone’s needs are slightly different. However, for many, spring is a premier time to pull the trigger on mortgage refinancing. Why? Consider these three reasons.

  • You’ll have the Best Opportunity to Utilize Proceeds
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What you should expect from a mortgage company

What To Expect

When you start looking to buy a home or refinance your current home, you may be overwhelmed by the options. How can you possibly pick a mortgage lender in Louisville, Kentucky with all of those companies from which to choose? Obviously, you should choose a GREAT mortgage company. Consider these four qualities you should expect from the best...

Understanding the costs of refinancing

Understanding the costs of refinancing

Chances are, if you own a home, you receive many solicitations each month trying to convince you to refinance your mortgage. These can seem like they would be an excellent way to save money on your mortgage payment each month or allow you to take out some money up front that you need for...

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