Mortgage Loan

CAN I GET A MORTGAGE WITH BAD CREDIT?

CAN I GET A MORTGAGE WITH BAD CREDIT?

If you have bad credit and want to obtain a mortgage to buy a new home, you may feel as though it's impossible since lenders tightened their eligibility rules. There are plenty of so-called “options” available on the Internet for bad credit loans, but you must be very careful to watch out for scams.

Mortgage laws have changed in recent years but, the following general guidelines apply:

• Your credit report must have fewer than two 30-day-late payments in the past two years. 

• Bankruptcies must be at least two years ago, with excellent credit history since then.

• Foreclosures must be at least three years ago, with excellent credit history since then.

If you have a few minor negative marks on your credit, you might be better off simply waiting a few months for those to clear (while continuing to make all your payments on time, of course). Alternatively, you may ask a creditor to remove a single late payment flag from your report—though it's up to the creditor to do it.

If you've had serious financial trouble, you'll need to shop for a mortgage loan from several lenders. Don't assume you're actually prequalified for a mortgage just because you filled out an online form and received several offers. You'll need to follow through with the process of applying for a mortgage with each lender to make sure the offers are real.

It's best if you talk to a loan officer in person and get your questions answered on the spot. Even if the first bank you talk to won't give you a mortgage because you have bad credit, the loan officer can help you understand what needs to be done in order to secure a mortgage.

It's not impossible to get a mortgage with bad credit, but it is more difficult. Work with several potential lenders and don't settle for the first approval. Even though you have bad credit, there are several places in the process where you can negotiate a better deal. Give us a call and we can put you in touch with a mortgage professional that can give you all of your options.

Search all Louisville Real Estate for sale by area, price, year built, square footage or any other detail on Louisville's finest MLS search site.

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CAN I GET A MORTGAGE WITH BAD CREDIT?

CAN I GET A MORTGAGE WITH BAD CREDIT?

If you have bad credit and want to obtain a mortgage to buy a new home, you may feel as though it's impossible since lenders tightened their eligibility rules. There are plenty of so-called “options” available on the Internet for bad credit loans, but you must be very careful to watch out for scams.

Mortgage laws have changed in recent years but, the following general guidelines apply:

• Your credit report must have fewer than two 30-day-late payments in the past two years. 

• Bankruptcies must be at least two years ago, with excellent credit history since then.

• Foreclosures must be at least three years ago, with excellent credit history since then.

If you have a few minor negative marks on your credit, you might be better off simply waiting a few months for those to clear (while continuing to make all your payments on time, of course). Alternatively, you may ask a creditor to remove a single late payment flag from your report—though it's up to the creditor to do it.

If you've had serious financial trouble, you'll need to shop for a mortgage loan from several lenders. Don't assume you're actually prequalified for a mortgage just because you filled out an online form and received several offers. You'll need to follow through with the process of applying for a mortgage with each lender to make sure the offers are real.

It's best if you talk to a loan officer in person and get your questions answered on the spot. Even if the first bank you talk to won't give you a mortgage because you have bad credit, the loan officer can help you understand what needs to be done in order to secure a mortgage.

It's not impossible to get a mortgage with bad credit, but it is more difficult. Work with several potential lenders and don't settle for the first approval. Even though you have bad credit, there are several places in the process where you can negotiate a better deal. Give us a call and we can put you in touch with a mortgage professional that can give you all of your options.

Search all Louisville Real Estate for sale by area, price, year built, square footage or any other detail on Louisville's finest MLS search site.

...

CAN I GET A MORTGAGE WITH BAD CREDIT?

CAN I GET A MORTGAGE WITH BAD CREDIT?

If you have bad credit and want to obtain a mortgage to buy a new home, you may feel as though it's impossible since lenders tightened their eligibility rules. There are plenty of so-called “options” available on the Internet for bad credit loans, but you must be very careful to watch out for scams.

Mortgage laws have changed in recent years but, the following general guidelines apply:

• Your credit report must have fewer than two 30-day-late payments in the past two years. 

• Bankruptcies must be at least two years ago, with excellent credit history since then.

• Foreclosures must be at least three years ago, with excellent credit history since then.

If you have a few minor negative marks on your credit, you might be better off simply waiting a few months for those to clear (while continuing to make all your payments on time, of course). Alternatively, you may ask a creditor to remove a single late payment flag from your report—though it's up to the creditor to do it.

If you've had serious financial trouble, you'll need to shop for a mortgage loan from several lenders. Don't assume you're actually prequalified for a mortgage just because you filled out an online form and received several offers. You'll need to follow through with the process of applying for a mortgage with each lender to make sure the offers are real.

It's best if you talk to a loan officer in person and get your questions answered on the spot. Even if the first bank you talk to won't give you a mortgage because you have bad credit, the loan officer can help you understand what needs to be done in order to secure a mortgage.

It's not impossible to get a mortgage with bad credit, but it is more difficult. Work with several potential lenders and don't settle for the first approval. Even though you have bad credit, there are several places in the process where you can negotiate a better deal. Give us a call and we can put you in touch with a mortgage professional that can give you all of your options.

Search all Louisville Real Estate for sale by area, price, year built, square footage or any other detail on Louisville's finest MLS search site.

...

CAN I GET A MORTGAGE WITH BAD CREDIT?

CAN I GET A MORTGAGE WITH BAD CREDIT?

If you have bad credit and want to obtain a mortgage to buy a new home, you may feel as though it's impossible since lenders tightened their eligibility rules. There are plenty of so-called “options” available on the Internet for bad credit loans, but you must be very careful to watch out for scams.

Mortgage laws have changed in recent years but, the following general guidelines apply:

• Your credit report must have fewer than two 30-day-late payments in the past two years. 

• Bankruptcies must be at least two years ago, with excellent credit history since then.

• Foreclosures must be at least three years ago, with excellent credit history since then.

If you have a few minor negative marks on your credit, you might be better off simply waiting a few months for those to clear (while continuing to make all your payments on time, of course). Alternatively, you may ask a creditor to remove a single late payment flag from your report—though it's up to the creditor to do it.

If you've had serious financial trouble, you'll need to shop for a mortgage loan from several lenders. Don't assume you're actually prequalified for a mortgage just because you filled out an online form and received several offers. You'll need to follow through with the process of applying for a mortgage with each lender to make sure the offers are real.

It's best if you talk to a loan officer in person and get your questions answered on the spot. Even if the first bank you talk to won't give you a mortgage because you have bad credit, the loan officer can help you understand what needs to be done in order to secure a mortgage.

It's not impossible to get a mortgage with bad credit, but it is more difficult. Work with several potential lenders and don't settle for the first approval. Even though you have bad credit, there are several places in the process where you can negotiate a better deal. Give us a call and we can put you in touch with a mortgage professional that can give you all of your options.

Search all Louisville Real Estate for sale by area, price, year built, square footage or any other detail on Louisville's finest MLS search site.

...

Seven Steps for First Time Home Buyers

SEVEN STEPS FOR FIRST-TIME HOME BUYERS

 

Home buying is exciting and the joy one feels walking into their first home is incomparable. First time homebuyers need to follow certain steps to get on the pathway to homeownership. Following these steps will make your dream of becoming a homeowner in Louisville, Kentucky (or surrounding area) a smooth process.

 

1               Get Pre-Approved? The first step is to talk to a lender.  If you are serious about buying a house, get pre-approved instead of just pre-qualified, that will show buyers that you are serious.  Your lender should be able to tell you what you need to do, give you advice on your credit score, and explain all the details. If you do not understand, feel rushed or confused and asking for clarification doesn’t help, seek out another mortgage professional.  Communication is vital during these steps, and you should feel with your mortgage professional.  If you aren’t, then listen to that. Your Brad Long Real Estate Group agent can provide you with a list of mortgage lenders with a proven track record of providing superior service to our clients.

 

2               Find a Real Estate Professional Since you are reading this on my blog, I am hopeful that I may be your real estate agent in your home-buying endeavor in the Louisville, KY area. Just as with the mortgage professional, you need to find a real estate professional who you can trust, listens to, answers your questions, and guides you through the home buying process with your needs in mind. Communicate openly and honestly with your realtor about your wants, needs, and concerns, and expect no less than for him or her to do the same during the home buying process.

 

Many people have asked why don’t I just call the phone number on the sign in front of the house when buying? While you certainly can call the listing agent on the sign, it is not a good idea to let them write the purchase contract to buy the house because the listing agent is hired by the seller and is representing the seller's interests, not yours.

 

You may ask - how much does it cost to hire a buyer's agent? Crazy enough, it's free to the buyer. Why is that?  Historically, the buyer's agent is paid out of the seller's proceeds; therefore the buyer's agent compensation comes from the seller's pocket. 

 

3               Search for a Home Make a list of needs and wants when home buying. Your needs are those items that are not negotiable—number of bedrooms for your family size, accessibility for disabilities, distance of potential commute, etc. Your wants are those wishes that are not necessary, but which you hope to find—a pool, lots of windows, a den, etc.  Share this list with your realtor during the home buying process, and continue to visualize the house you want until you find one that speaks to you.

 

This website offers many advanced tools to search Louisville MLS listings, including options to search by neighborhood, zip code, price range or map search. Once you have determined the area and price you would like, then you can register for Property Tracker and all new listings will be emailed daily. In many cases, you will learn of these new listings even before most Realtors.

 

4               Visualize When you walk into a house, envision it empty (if it’s not vacant) and then imagine where you would put your belongings.  Where will the couch go, and the entertainment center?  What wall will your bed go against, and how will your clothes fit in the closets?  Then imagine yourself living in the home… Can you see yourself stumbling from the bed to the kitchen for a cup of coffee in the morning?  Can you imagine the walk from the kitchen to the dining table?  Where will you spend your free time at home?  While making a decision about buying a house, stay in tune with your feelings and how well you can see yourself in it. Could it feel like a home instead of just a house?

 

5               Be Practical Your gut feeling is important, but also look at the house with a practical eye. Are the updates needed something you can handle?  Does it have enough storage?  How do its attributes compare with the list of needs you made in step three? These are crucial and honest questions to ask yourself before buying a home.

 

6               Make an Offer You might need a second showing to know for sure, but when you find the house you want, let your real estate professional know. Together, you will put together an offer, and your real estate professional will write it up.  Once again, communication and trust are key, and the competence of your real estate professional is essential in this step. Any mistakes at this step can cost both money and frustration, so if you are at all uncertain, please feel free to seek professional legal advice before you sign any agreement. A good real estate professional will understand and support your decision. Buying a home is the largest purchase most people will ever make in their life.

 

7               Don't Stop There Stay active after the offer is accepted. Once you have a contract on the house, post a list of important dates in a prominent place so you are informed about what steps need to come next.  (Your Brad Long Real Estate Group professional will give you this information.) Then find a good inspector and have the house inspected. The money you spend on this will more than come back to you in the future.  n addition to the inspection, do an inspection of your own about 24 hours before closing.  A good real estate agent will gladly take you through the place one more time to ensure that nothing major changed since you saw it last and that the property is still in the condition of the one you agreed to buy.

 

There’s no place like home! I’m excited for you to get to enjoy the feelings that come with owning your very first home in Louisville, KY.  If you have any questions or concerns about the Louisville, KY real estate market, contact...

Seven Steps for First Time Home Buyers

SEVEN STEPS FOR FIRST-TIME HOME BUYERS

 

Home buying is exciting and the joy one feels walking into their first home is incomparable. First time homebuyers need to follow certain steps to get on the pathway to homeownership. Following these steps will make your dream of becoming a homeowner in Louisville, Kentucky (or surrounding area) a smooth process.

 

1               Get Pre-Approved? The first step is to talk to a lender.  If you are serious about buying a house, get pre-approved instead of just pre-qualified, that will show buyers that you are serious.  Your lender should be able to tell you what you need to do, give you advice on your credit score, and explain all the details. If you do not understand, feel rushed or confused and asking for clarification doesn’t help, seek out another mortgage professional.  Communication is vital during these steps, and you should feel with your mortgage professional.  If you aren’t, then listen to that. Your Brad Long Real Estate Group agent can provide you with a list of mortgage lenders with a proven track record of providing superior service to our clients.

 

2               Find a Real Estate Professional Since you are reading this on my blog, I am hopeful that I may be your real estate agent in your home-buying endeavor in the Louisville, KY area. Just as with the mortgage professional, you need to find a real estate professional who you can trust, listens to, answers your questions, and guides you through the home buying process with your needs in mind. Communicate openly and honestly with your realtor about your wants, needs, and concerns, and expect no less than for him or her to do the same during the home buying process.

 

Many people have asked why don’t I just call the phone number on the sign in front of the house when buying? While you certainly can call the listing agent on the sign, it is not a good idea to let them write the purchase contract to buy the house because the listing agent is hired by the seller and is representing the seller's interests, not yours.

 

You may ask - how much does it cost to hire a buyer's agent? Crazy enough, it's free to the buyer. Why is that?  Historically, the buyer's agent is paid out of the seller's proceeds; therefore the buyer's agent compensation comes from the seller's pocket. 

 

3               Search for a Home Make a list of needs and wants when home buying. Your needs are those items that are not negotiable—number of bedrooms for your family size, accessibility for disabilities, distance of potential commute, etc. Your wants are those wishes that are not necessary, but which you hope to find—a pool, lots of windows, a den, etc.  Share this list with your realtor during the home buying process, and continue to visualize the house you want until you find one that speaks to you.

 

This website offers many advanced tools to search Louisville MLS listings, including options to search by neighborhood, zip code, price range or map search. Once you have determined the area and price you would like, then you can register for Property Tracker and all new listings will be emailed daily. In many cases, you will learn of these new listings even before most Realtors.

 

4               Visualize When you walk into a house, envision it empty (if it’s not vacant) and then imagine where you would put your belongings.  Where will the couch go, and the entertainment center?  What wall will your bed go against, and how will your clothes fit in the closets?  Then imagine yourself living in the home… Can you see yourself stumbling from the bed to the kitchen for a cup of coffee in the morning?  Can you imagine the walk from the kitchen to the dining table?  Where will you spend your free time at home?  While making a decision about buying a house, stay in tune with your feelings and how well you can see yourself in it. Could it feel like a home instead of just a house?

 

5               Be Practical Your gut feeling is important, but also look at the house with a practical eye. Are the updates needed something you can handle?  Does it have enough storage?  How do its attributes compare with the list of needs you made in step three? These are crucial and honest questions to ask yourself before buying a home.

 

6               Make an Offer You might need a second showing to know for sure, but when you find the house you want, let your real estate professional know. Together, you will put together an offer, and your real estate professional will write it up.  Once again, communication and trust are key, and the competence of your real estate professional is essential in this step. Any mistakes at this step can cost both money and frustration, so if you are at all uncertain, please feel free to seek professional legal advice before you sign any agreement. A good real estate professional will understand and support your decision. Buying a home is the largest purchase most people will ever make in their life.

 

7               Don't Stop There Stay active after the offer is accepted. Once you have a contract on the house, post a list of important dates in a prominent place so you are informed about what steps need to come next.  (Your Brad Long Real Estate Group professional will give you this information.) Then find a good inspector and have the house inspected. The money you spend on this will more than come back to you in the future.  n addition to the inspection, do an inspection of your own about 24 hours before closing.  A good real estate agent will gladly take you through the place one more time to ensure that nothing major changed since you saw it last and that the property is still in the condition of the one you agreed to buy.

 

There’s no place like home! I’m excited for you to get to enjoy the feelings that come with owning your very first home in Louisville, KY.  If you have any questions or concerns about the Louisville, KY real estate market, contact us. You...

5 Considerations for Valuing Your Home

If you're thinking of selling your home or refinancing your mortgage, you'll first need to value your property as accurately as possible. Inexperienced sellers might be tempted to head straight for the nearest and most convenient estate agent, and while they might have a vested interest in selling your property for as much as possible, it is still important to do some research for yourself.

An accurate valuation will help you to find a more realistic asking price while also making your home easier to sell. Every home should be valued on an individual basis, and there are far more considerations to take into account than the size alone. Additionally, you may want to increase the value of your property by carrying out some repairs and giving it a facelift.

1. Size
Size is the obvious first consideration when valuing your home, particularly in the case of apartments where values are largely determined by floor space. However, a professional valuation should also take the sizes of individual rooms into account. These days, many buyers prefer fewer larger rooms and open-plan designs than lots of small and poky rooms. Before having your property valued, be sure to remove any clutter, and use light and neutral colours in smaller rooms to make them feel bigger.

2. Location
Unsurprisingly, location is the most important consideration of all when valuing a property. After all, there's a vast difference between property prices in central London and more rural areas of the country. Location might be a matter of personal preference to a degree, but many buyers will pay more for a property that has good access to a wide range of public services and is in a relatively quiet and safe area.

3. Condition
Shrewd investors will always look for properties with a low asking price due to poor condition and levels of maintenance. However, if you want to get a good price for your property and appeal to homebuyers, you'll need to improve its condition as much as you can afford. A house in desperate need of major renovation work will likely demand less than half the price of a similar building in perfect condition.

4. Property Type
Regardless of the size of the property alone, the actual type will have a major influence on its value. For example, a historic timber cottage might be more expensive to run and without the comforts of a modern building of equivalent size, but it will appeal to a certain niche. As such, its value will likely be much higher. Similarly, houses primarily used as weekend cottages won't be as valuable as those designed for permanent living.

5. Presentation
Even if it's largely superficial, presentation still counts for a lot when it comes to getting an encouraging valuation and receiving offers at anything near your asking price. Before you have anyone visit to value your home, make sure it's thoroughly clean and tidy both inside and outside. Making a good first impression is critical, so it also makes sense to carry out any basic home improvements, even if you only go so far as to have the carpets professionally cleaned and putting on a new coat of paint.


Final Words
Although you can get a rough estimate of the value of your home by using a range of online tools, the information provided won't be enough to determine a realistic asking price. Mortgage lenders and real estate agents will give you a more accurate valuation, although in the case of the latter, it's always a good idea to go for a second and even a third opinion.

...

5 Considerations for Valuing Your Home

If you're thinking of selling your home or refinancing your mortgage, you'll first need to value your property as accurately as possible. Inexperienced sellers might be tempted to head straight for the nearest and most convenient estate agent, and while they might have a vested interest in selling your property for as much as possible, it is still important to do some research for yourself.

An accurate valuation will help you to find a more realistic asking price while also making your home easier to sell. Every home should be valued on an individual basis, and there are far more considerations to take into account than the size alone. Additionally, you may want to increase the value of your property by carrying out some repairs and giving it a facelift.

1. Size
Size is the obvious first consideration when valuing your home, particularly in the case of apartments where values are largely determined by floor space. However, a professional valuation should also take the sizes of individual rooms into account. These days, many buyers prefer fewer larger rooms and open-plan designs than lots of small and poky rooms. Before having your property valued, be sure to remove any clutter, and use light and neutral colours in smaller rooms to make them feel bigger.

2. Location
Unsurprisingly, location is the most important consideration of all when valuing a property. After all, there's a vast difference between property prices in central London and more rural areas of the country. Location might be a matter of personal preference to a degree, but many buyers will pay more for a property that has good access to a wide range of public services and is in a relatively quiet and safe area.

3. Condition
Shrewd investors will always look for properties with a low asking price due to poor condition and levels of maintenance. However, if you want to get a good price for your property and appeal to homebuyers, you'll need to improve its condition as much as you can afford. A house in desperate need of major renovation work will likely demand less than half the price of a similar building in perfect condition.

4. Property Type
Regardless of the size of the property alone, the actual type will have a major influence on its value. For example, a historic timber cottage might be more expensive to run and without the comforts of a modern building of equivalent size, but it will appeal to a certain niche. As such, its value will likely be much higher. Similarly, houses primarily used as weekend cottages won't be as valuable as those designed for permanent living.

5. Presentation
Even if it's largely superficial, presentation still counts for a lot when it comes to getting an encouraging valuation and receiving offers at anything near your asking price. Before you have anyone visit to value your home, make sure it's thoroughly clean and tidy both inside and outside. Making a good first impression is critical, so it also makes sense to carry out any basic home improvements, even if you only go so far as to have the carpets professionally cleaned and putting on a new coat of paint.


Final Words
Although you can get a rough estimate of the value of your home by using a range of online tools, the information provided won't be enough to determine a realistic asking price. Mortgage lenders and real estate agents will give you a more accurate valuation, although in the case of the latter, it's always a good idea to go for a second and even a third opinion.

...

Home Maintenance Tips For All Year Long

As responsible homeowners, we all know that there are certain things that must be done routinely with regards to the proper maintenance of our most prized possession, our home. 

Unfortunately, most of us don’t have the time or the monetary resources to do the job correctly or even address some of the types of preventative maintenance that's required. Most of us don’t know the most important items that need to be checked routinely, so we wait until something goes out, or doesn’t work anymore, then we do something about it. Sometimes, that isn’t even an incentive to act, or react. This is not a good way to maintain your most expensive possession, and it is a good way to get your homeowners insurance policy cancelled if you ever try to make an insurance claim on repair costs after the fact. Regular attention to key areas will save money over the life of the home and help to preserve the integrity of the home insurance policy.

 This isn't a big list, but there are some key areas to pay attention to:

  • CHECK THE ROOF AND ROOF DRAINAGE
    Besides the roof itself, the gutters are probably most important to good water drainage all year long. Most people never look or check the gutters on their homes or garages. What happens to the water once the gutters take it from the roof and deposit the water on the ground is also important. All of the gutters should be checked for leaks, and buildup of leaves, branches and dirt  at least once a month in the winter and at least every few weeks during the summer. Accumulated moisture due to a build-up of leaves, dirt and debris can lead to damage on the roof, in the attic insulation, soffits, and behind any siding, and can affect both inside the home as well as the outside. Also make sure that the water is draining away from the foundation where very serious issues can develop, affecting the stability of the entire structure of the house or garage. Check your roofs on a regular basis. Roofs sometimes take a long time to reveal a leak or any problem. Go into the attic and look for tell-tell signs of leaking, like staining of the roof boards, or damage to the insulation in the attic. This is one area that you might want to call in an expert if you have no idea what to look for. It could save you thousands of dollars in roof repairs or replacement.
  • SEALING - WEATHER STRIPPING - CAULKING
    We all could lower our energy bills by spending a couple of hours every few months to make sure that our windows, doors and other house openings are properly sealed off from the outside weather. Over time, caulking will dry out and crack and sometimes it is not obvious that moisture is leaking into the house through these cracks. The caulking will start to let in outside air and eventually cause mold or mildew problems inside the house. If the doors and windows don’t have weather stripping, you should invest a few dollars and put the stripping on all windows and doors so they do not leak air and moisture into the house. This also prevents insects and other pests from entering the home. You should routinely check for any damage from termites throughout the entire building,  including under the house too if the house. This is important.
  • CHECK KITCHEN & BATHROOM PLUMBING FIXTURES - APPLIANCES
    All appliances in the home should be carefully checked to see if they are operating  safely and properly. Gas appliances can be checked by calling the gas company on a routine basis. They will come out and check for any leaks in the appliances as well as in the gas lines and check for carbon monoxide leaks coming from the water heater or heating system. Check all plumbing fixtures like leaky faucets, sinks, garbage disposals, toilets, etc. Save yourself a lot of time and money and headaches by fixing plumbing leads as soon as they are discovered. Check the furnace and air conditioning filters every other month or so and replace them often for best results.
  • MISC ITEMS TO BE CHECKED ON ROUTINE BASIS
    Routinely check the condition of your garage (s) and any other outbuildings you have on the property. We tend to take our garages for granted and hardly ever clean them. This too is dangerous and could cost you your insurance  policy through a cancellation due to a fire, or even a flood caused by a faulty washer, or sink or plumbing problems in the garage. Check and clean the floor once in a while, including the driveway. Check for concrete cracking, or broken glass in any of the windows in the garage. Do you have a work bench or work shop within the garage?  Clean it up once in a while and be sure that any saws, drills, table saws, etc., are always unplugged when you are finished with them. If you have storage in the garage, make sure it is clean and neat and not a fire hazard. Patio enclosures should also be checked out to be sure there are no roof or patio cover leakage. The trees and shrubs around the house and garage should be trimmed regularly with any overhanging limbs from large trees cut off or cut back so if they fall they won't damage the roof or side of the building, or crack concrete areas.

IN SUMMARY:Neglecting to routinely inspect your home for needed repairs or replacement of certain items is not just a gamble with your  budget, but a serious risk in the event of a homeowners insurance claim. Standard policies include disclaimers for damage caused by neglect of the policy holder, and guess who that is You!! In Louisville we are fortunate to have many trained and experienced home repair people that you can depend on for any type of construction service or repair. Look in the Yellow Pages for the type of service you need. You can also go online and type in the appropriate service at Google.com, or use Yahoo search, Bing or which ever search you like. But don’t put off checking out these important maintenance issues.

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Louisville Home for Sale 2117 Village Dr Louisville KY 40205

2117 Village Dr Louisville, KY 40205This is your perfect Highlands home on one of the more popular streets! Absolutely great curb appeal with beautifully landscaped and manicured lawn as you pull up to the home. As you enter the home you are greeted with large open rooms, a view all the way through to the back yard, and gorgeous original hardwood floors throughout, including pine hardwood floors in the kitchen - amazing! Lots of large windows in every room, lots of natural light, original woodwork and great paint colors make this home move-in ready. True Highlands living room has a large fireplace, coffered ceiling that extends into the dining room, and exquisite built-in book shelves. Need a home office? There is a perfect room as you enter the home that is a great space for an office, den or play room. Entertain in your dining room that conveniently connects to the living room and kitchen - large enough for a good-sized table, china cabinet and butler's serving table. The cook of the household will love the updated kitchen with lots of white cabinets, Corian countertops, and perfect layout. Place a small table and chairs and enjoy the view to the backyard while having your morning coffee. Relax in the wonderful family room addition that matches perfectly with the original features of the home. This room is large enough for comfortable seating and dining area and also has a great view to your beautiful backyard. The large master suite has a walk-in closet, large private bathroom, and a special bonus - an in-suite laundry room - You don't find many homes in the Highlands with walk-in closets, on-suite bathrooms or a laundry on the second floor! Plus there is a small separate office area off the master suite that could be an extra office or nursery. All the bedrooms are large, have great hardwood floors, lots of light and ready for your family and guests. The large unfinished basement has lots of storage space, as clean as you have ever seen, and a bonus, it has been waterproofed! The large private backyard has a privacy fence and also large bushes and trees for added privacy. Enjoy the upcoming Spring days entertaining and Barbequing on your large deck, and enjoy the additional, beautifully landscaped yard. Another bonus for the Highlands - - a two car garage! Additionally, the home has a gorgeous, unique tile roof!

For all available homes for sale in the Louisville area please visit: Louisville Real Estate

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Spring is here Louisville! What to do first...

Ah we did it; we survived another Ohio Valley winter.  Now that we made it to the light at the end of the tunnel, let’s get outside, enjoy the sunshine and have some fun.  So, what is there do to around here.  A lot actually, let’s look at some options.

It’s Derby Time! - Derby season brings so much excitement and energy to Louisville you can practically feel it in the air.  The Kentucky Derby Festival brings an amazing lineup of outdoor events that is unlike anything else in the world.  Thunder Over Louisville kicks off the festival on April 16th with one of the best firework shows in the nation.  There is also live music, airshow and the famous Chow Wagon.Thursday, April 28th begins the spectacular lineup of events called Kroger’s Fest-a-Ville on the Waterfront which carries on all the way to the big race on May 7th.  Some of the events include the Great Balloon Glimmer & Glow, the Marathon/mini Marathon, Chow Wagon, Pegasus Parade, Great Steamboat Race and a variety of live music throughout the week.  The main events are the Kentucky Oaks and Derby which are tons of fun that everyone should attend at least once.

Waterfront Wednesday - Waterfront Wednesday begins April 27 and runs until September.  This event is presented by 91.9 WFPK and is held on the last Wednesday of the month.  The show is on the Harbor Lawn at Waterfront Park and usually features two to three acts from around the country.  This event is fun and casual, great for socializing and best of all its FREE!

Louisville Bats Games - The Louisville Bats open their 2011 season on April 7th with the first of many Thirsty Thursday’s aka Budweiser Happy Hours, which offers $1 Budweiser and Bud Light from 5:30-7:00.  During happy hour you can enjoy live local music on the Overlook Deck.  Tickets for Bats games cost $7-$11.

Shakespeare in the Park - This annual, free event takes place at Delacorte Theater in Central Park, which is located in Old Louisville on 4th Street. Classic Shakespeare plays are reenacted in the evenings in June and July.  'All’s Well That Ends Well' and 'Measure for Measure' are the two classics on the line-up for the 2011 year, which feature Tony Award Winners John Cullum and Tonya Pinkins.  Enjoy your summer nights supporting your Louisville art scene in its 51st year by attending Shakespeare in the Park

Jefferson Memorial Forest - Did you know Jefferson Memorial Forest is the nation’s largest urban municipal forest?  With over 6,000 acres this is a great place to spend the day or the weekend.  Some outdoor activities include hiking, camping, fishing, birdwatching, horseback riding and picnicking.

So on a nice spring day there is no excuse, get out and find something to do.  Get out in your back yard and plant some flowers or play corn hole with some friends.  The options are really endless on a sunny day in Louisville.

To read more about our wonderful city and perhaps find your perfect Louisville, KY Home visit Louisville KY Real Estate

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Spring is here Louisville! What to do first...

Ah we did it; we survived another Ohio Valley winter.  Now that we made it to the light at the end of the tunnel, let’s get outside, enjoy the sunshine and have some fun.  So, what is there do to around here.  A lot actually, let’s look at some options.

It’s Derby Time! - Derby season brings so much excitement and energy to Louisville you can practically feel it in the air.  The Kentucky Derby Festival brings an amazing lineup of outdoor events that is unlike anything else in the world.  Thunder Over Louisville kicks off the festival on April 16th with one of the best firework shows in the nation.  There is also live music, airshow and the famous Chow Wagon.Thursday, April 28th begins the spectacular lineup of events called Kroger’s Fest-a-Ville on the Waterfront which carries on all the way to the big race on May 7th.  Some of the events include the Great Balloon Glimmer & Glow, the Marathon/mini Marathon, Chow Wagon, Pegasus Parade, Great Steamboat Race and a variety of live music throughout the week.  The main events are the Kentucky Oaks and Derby which are tons of fun that everyone should attend at least once.

Waterfront Wednesday - Waterfront Wednesday begins April 27 and runs until September.  This event is presented by 91.9 WFPK and is held on the last Wednesday of the month.  The show is on the Harbor Lawn at Waterfront Park and usually features two to three acts from around the country.  This event is fun and casual, great for socializing and best of all its FREE!

Louisville Bats Games - The Louisville Bats open their 2011 season on April 7th with the first of many Thirsty Thursday’s aka Budweiser Happy Hours, which offers $1 Budweiser and Bud Light from 5:30-7:00.  During happy hour you can enjoy live local music on the Overlook Deck.  Tickets for Bats games cost $7-$11.

Shakespeare in the Park - This annual, free event takes place at Delacorte Theater in Central Park, which is located in Old Louisville on 4th Street. Classic Shakespeare plays are reenacted in the evenings in June and July.  'All’s Well That Ends Well' and 'Measure for Measure' are the two classics on the line-up for the 2011 year, which feature Tony Award Winners John Cullum and Tonya Pinkins.  Enjoy your summer nights supporting your Louisville art scene in its 51st year by attending Shakespeare in the Park

Jefferson Memorial Forest - Did you know Jefferson Memorial Forest is the nation’s largest urban municipal forest?  With over 6,000 acres this is a great place to spend the day or the weekend.  Some outdoor activities include hiking, camping, fishing, birdwatching, horseback riding and picnicking.

So on a nice spring day there is no excuse, get out and find something to do.  Get out in your back yard and plant some flowers or play corn hole with some friends.  The options are really endless on a sunny day in Louisville.

To read more about our wonderful city and perhaps find your perfect Louisville, KY Home visit Louisville KY Real Estate

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Like to Ride? Bicycle Magazine Ranked Louisville 21st in America's Top 50 Bike-Friendly Cities

 

Cycling in Louisville KYCycling has always been a part of Louisville’s culture.  In 1890, Louisville formed a cycling club called the Louisville Wheelman which led structured rides around the city.  Today this club, currently called the Louisville Bicycle Club, is one of the most dynamic and advanced cycling clubs in the country.   Their website is very informative and has any and everything you would need to know about cycling in Louisville.

Louisville has developed many cycling organizations over the years to promote and develop this sport in the city.  Bike Louisville is a community program to progressively make Louisville even more bike friendly.  In 2005, Mayor Abramson held Louisville’s first annual bike summit which set out a plan for Louisville to be awarded the gold-level status as a cycling city by 2015.  In order to reach this cycling status the city will be judged in five categories and demonstrate advancements in each.  The categories include engineering, education, encouragement, enforcement and evaluation and planning.  At this rate, by 2015 Louisville might be in the top 10 in the nation of the best cities for cycling.

Louisville has cycling options for every type of rider.  Whether you want to ride around your neighborhood, ride to work or in one of the cities lovely parks, Louisville works hard to give its riders safe and diverse options.  A large reason Louisville is a premier city for cycling is the abundance of bike lanes and paths currently in use; there are many paths currently under construction as well.  Louisville also has organized rides throughout the year such as the Memorial Day and Labor Day Mayor’s Hike and Bike.  Last year over 7,000 people participated in this event.

The city of Louisville also contains some smart and savvy bike shops for its cycling citizens.  St. Matthews in particular is home to some of the local favorites like Scheller’s Fitness and Cycling off Shelbyville Road, Bicycle Sport on Breckenridge Lane and Mountain Bike Depot in the new Westport Village Shopping Center.  Cycler’s Café located off Lexington Road in the Highlands is a unique shop in that it is also a diner/deli which offers delicious homemade meals like burritos, BBQ and salads.  After a long weekend ride, stop into the Cycler’s Café, check out their gear and enjoy a quesadilla and cold beverage on their deck.

With spring just around the corner, this is a great time to learn more about cycling in Louisville and why Louisville is the 21st best city in the nation for cycling.  The Bike Louisville page on the Louisville.gov site is full of helpful information, maps and routes, safety tips, and cycling events.  Ride the City of Louisville is another helpful tool to map the safest bike route for your next ride.  With all the cycling opportunities the city of Louisville has to offer get ready to dust off your bike, strap on your helmet, get out on the road and enjoy!

Search all Louisville Homes for sale by area, year built, square footage or any other detail on Louisville's superior MLS search engine.

...

Like to Ride? Bicycle Magazine Ranked Louisville 21st in America's Top 50 Bike-Friendly Cities

 

Cycling in Louisville KYCycling has always been a part of Louisville’s culture.  In 1890, Louisville formed a cycling club called the Louisville Wheelman which led structured rides around the city.  Today this club, currently called the Louisville Bicycle Club, is one of the most dynamic and advanced cycling clubs in the country.   Their website is very informative and has any and everything you would need to know about cycling in Louisville.

Louisville has developed many cycling organizations over the years to promote and develop this sport in the city.  Bike Louisville is a community program to progressively make Louisville even more bike friendly.  In 2005, Mayor Abramson held Louisville’s first annual bike summit which set out a plan for Louisville to be awarded the gold-level status as a cycling city by 2015.  In order to reach this cycling status the city will be judged in five categories and demonstrate advancements in each.  The categories include engineering, education, encouragement, enforcement and evaluation and planning.  At this rate, by 2015 Louisville might be in the top 10 in the nation of the best cities for cycling.

Louisville has cycling options for every type of rider.  Whether you want to ride around your neighborhood, ride to work or in one of the cities lovely parks, Louisville works hard to give its riders safe and diverse options.  A large reason Louisville is a premier city for cycling is the abundance of bike lanes and paths currently in use; there are many paths currently under construction as well.  Louisville also has organized rides throughout the year such as the Memorial Day and Labor Day Mayor’s Hike and Bike.  Last year over 7,000 people participated in this event.

The city of Louisville also contains some smart and savvy bike shops for its cycling citizens.  St. Matthews in particular is home to some of the local favorites like Scheller’s Fitness and Cycling off Shelbyville Road, Bicycle Sport on Breckenridge Lane and Mountain Bike Depot in the new Westport Village Shopping Center.  Cycler’s Café located off Lexington Road in the Highlands is a unique shop in that it is also a diner/deli which offers delicious homemade meals like burritos, BBQ and salads.  After a long weekend ride, stop into the Cycler’s Café, check out their gear and enjoy a quesadilla and cold beverage on their deck.

With spring just around the corner, this is a great time to learn more about cycling in Louisville and why Louisville is the 21st best city in the nation for cycling.  The Bike Louisville page on the Louisville.gov site is full of helpful information, maps and routes, safety tips, and cycling events.  Ride the City of Louisville is another helpful tool to map the safest bike route for your next ride.  With all the cycling opportunities the city of Louisville has to offer get ready to dust off your bike, strap on your helmet, get out on the road and enjoy!

Search all Louisville Homes for sale by area, year built, square footage or any other detail on Louisville's superior MLS search engine.

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