Louisville

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...

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...

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....

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...

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...

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...

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...