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At Home in Louisville Real Estate Blog

8437 Arbor Meadow Open Sunday 5/15 from 2-4pm

Open House!

8437 Arbor Meadow Way, Louisville, KY 40228- MLS #1353210

Sunday May 19th 2013

2:00-4:00pm

8437 Arbor Meadow Way

Join At Home In Louisville Real Estate Group at 8437 Arbor Meadow Way this Sunday May 19th! Beautiful, move in ready stand alone patio home! All of the benefits of home ownership and maintenance free living! To learn more about this property or other Open Houses in Louisville Ky, contact us today!

Directions: I-265 to South on Beulah Church Rd, Rt on Arbor Creek Dr, Left on Street

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How Does a Seller Determine the Sale Price to ask for his Home?

What is my home worth?When I meet with a home owner planning to put a home up for sale, the most pressing question the owner has for me is “What is my home worth?” Since a home sale is dependent upon, area, condition, price, and demand, it is critical that the homeowner has all of the necessary information in order to price the home to sell quickly and for as much money as possible.

So how is the value determined? Many real estate professionals will focus on 3 to 5 homes that have recently sold in the seller’s neighborhood. While this technique is important, it neglects to factor in current demand.

A review of the current market is critical. The market isn’t just the neighborhood the subject property is located in and it doesn’t limit itself to recently Sold transactions. The Current Market Analysis (CMA) should encompass the entire area of town in like-styled neighborhoods and showcase Active, Pending, and Sold properties.

Active listings are necessary to consider. In order to price competitively, the seller should know the number of competing homes, along with their price and condition. The competing homes are not only in the subject properties neighborhood, but in other like neighborhoods in the same area of town.  In addition, the CMA should feature the homes that are currently under contract, but not yet closed, as well as the homes that have sold and closed within the previous six months. Reviewing the price and condition of all competing homes is the best way to begin to understand the current value of the subject property.

When I look at all three areas of the CMA (Active, Pending, & Sold), I begin to see a pattern of average price per square foot which will lead me to an appropriate price range to suggest to the seller.  Price is critical. Properties that are priced well for the current market will attract showings and offers. Those are the ones that sell. Other critical success factors such as staging and marketing of the property, without the proper price, will likely not do the trick by themselves.

To learn about your home’s current market value, contact Kathryn Sotelo, Louisville Ky Realtor and Team Owner of At Home In Louisville Real Estate Group, a Proud Member of the Keller Williams Realty Family.  502-653-3577, Kathryn@athomeinlouisville.com. 

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How Much Do I Need For A Down Payment?

How Much Down Payment For A House Many first time home buyers as well as individuals moving up are curious how much they'll need for a down payment with current market conditions. We recently spoke to one of our preferred lenders, Jason Justice with First Commonwealth Mortgage, and he provided some great information!

How much do you need for a down payment? Well it depends on three things: which loan programs you can get approved for, which loan program suites your financial goals, and which area of Louisville you'd like to buy in. 

Also, please keep in mind that in addition to down payment money for each loan program you will also need money for closing costs. Closing costs can be worked into your purchase offer or even be gifted to you by a family member.  Once you locate the home of your dreams, your banker and Realtor in Louisville Ky will sit down with you and draw up the best game plan for you to purchase and meet your financial goals.  This is another reason why it is so important to get pre-approved prior to making an offer and also to have a great agent to negotiate for you. Below is a list of the four most popular loan programs used to purchase a PRIMARY residence as well as a quick rundown of what you would need for a down payment. 

1) FHA-  3.5% of the purchase price is required for a down payment. The 3.5% down has to come from buyer funds or a buyer's family member as a gift.

2)  VA- No money down required.  You have to be a veteran, spouse of deceased veteran, or active duty military to qualify for a VA loan.

3) USDA (aka Rural Housing)- No money down required.  You have to purchase a home outside of Jefferson County and buy in an approved USDA county.  Typically, most of the counties that surround Jefferson County are approved for USDA.

4) Conventional- As little as 5% down payment is required.  20% down payment might be required if the borrower/buyer has a lower credit score.  When putting personal money down along with gift money on a conventional loan, the buyer must have 5% personal funds verified before any gift funds can be received.  Gift funds can be used on top of the 5% personal funds to increase down payment or contribute to closing costs.  The only exception to this rule with a conventional loan would be if the buyer is getting a 20% gift. If the buyer receives a 20% gift they would not be required to provide 5% of their own funds.    

Again, in order to get qualified for any of the programs above the first step is to get pre-approved and find a great realtor! Your lender and realtor can work hand in hand to locate a home that fits your needs and a financial plan that works to your advantage. Getting preapproved is a simple process and free.  To learn more about home loan preapproval in Louisville and down payment requirements, feel free to contact Jason Justice or At Home In Louisville Real Estate Group.

By: Jason Justice, First Commonwealth Mortgage

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9703 Lancewood Rd Louisville KY 40229

9703 Lancewood Rd Louisville KY 40229

9703 Lancewood Rd Louisville KY 40229 is a great three bedroom brick ranch with a full unfinished basement. The home is positioned on a nice grassy lot in Maple Grove. The front porch opens to a pleasant Living Room that showcases hardwood flooring which flows into the hall and kitchen. 9703 Lancewood Rd Living Room




The Eat In Kitchen has plentiful cabinet space, a good sized dining area, and crown molding. The Bedrooms feature neutral colors and ceiling fans. A nice Full bath completes the main floor. The home also includes an unfinished basement that is terrific for storage or future expansion.
9703 Lancewood Rd Living Room

 
9703 Lancewood Rd Louisville KY 40229 has been well cared for by the current owners and has received replacement windows throughout the house, refinished hardwood flooring, a new hot water heater, and a recently refinished bath tub.
9703 Lancewood Rd Back Yard

This home is sure to give its new owners many years of happiness! Call today for further details and one of our Realtors in Louisville Ky will be glad to give you a tour of the home.

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4320 Statton Rd Louisville KY 40220

4320 Statton Rd Louisville KY 402204320 Statton Rd Louisville KY 40220 will capture your heart! This cheery updated brick ranch in St. Regis Park is so pretty! The manicured exterior has great curb appeal and opens to a lovely Living Room with hardwood flooring, cozy fireplace, and neutral decor. The large Formal Dining Room is a welcoming setting for family dinners and holiday celebrations showcasing hardwood floor, chandelier, and white chair rail.4320 Statton Rd Formal Dining Room

The Eat In Kitchen is conveniently positioned off of the Formal Dining Room and offers modern appliances and a nice tiled floor. Soak up the sun or settle in with a good book in the beautiful Sunroom! The Sunroom connects to the back patio- perfect for barbeques & outdoor get togethers! All three Bedrooms are spacious and feature good sized closets, white trim, & ceiling fans.

4320 Statton Rd Kitchen

One bedroom has its own Half Bath and the others are convenient to a Full Bath. 4320 Statton Rd Louisville KY 40220 has a partially finished Basement which contains a great Family Room with an additional fireplace and built in bar! Another completed room in the basement is currently used as an additional Bedroom but would also make a pleasant office.
4320 Statton Rd Sunroom

A Laundry Room and an unfinished storage space complete the basement. The home has a two car attached garage, an inviting back yard, and an immaculate interior. Call today for more information about this fantastic Louisville Home and the Louisville Real Estate market.

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6003 Wooded Creek Dr #101 Louisville KY 40291

6003 Wooded Creek Dr Great Room

6003 Wooded Creek Dr #101 Louisville KY 40291 is a terrific first level condo in the Creekwood subdivision. The unit is completely move in ready with a well maintained spotless interior! New owners will appreciate the tasteful decor throughout and quick access to S. Hurstbourne and Charlie Vettiner Park!
6003 Wooded Creek Dr Kitchen

The front entrance opens to a bright spacious Great Room which connects to an attractive Eat-In Kitchen. The Eat In Kitchen, pictured to the right, showcases abundant cabinet space, a pretty dining area, and modern appliances. The Kitchen dining area exits to the back deck which overlooks a grassy space shaded by a row of mature trees. 6003 Wooded Creek Dr Deck

The Master Bedroom is large and includes a separate Bath with a walk-in closet and double vanity. The second bedroom is also good sized and close to the Laundry Room and another Full Bath. 6003 Wooded Creek Dr #101 Louisville KY 40291 offers maintenance free first floor living and a clean ,spacious interior in a fantastic location!  Call At Home In Louisville Real Estate Group to schedule your private viewing of this Condo for sale in Louisville Ky

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8437 Arbor Meadow Way- Open Sunday May 5th 2-4pm

Open House!

8437 Arbor Meadow Way, Louisville, KY 40228- MLS #1353210

Sunday May 5th 2013

2:00-4:00pm

8437 Arbor Meadow Way

8437 Arbor Meadow Way will be Open from 2:00-4:00pm this Sunday May 5th! Find your new home after Derby in this great stand alone patio home. You'll love the interior design with 2 Bedrooms, 3 Baths, and tasteful decor! 

Directions: I-265 to South on Beulah Church Rd, Rt on Arbor Creek Dr, Left on Street

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Kentucky Derby 2013 Louisville KY

Kentucky Derby 2013Whether you live in Kentucky, are thinking of moving to Kentucky, or just know what Kentucky is, then you have probably heard of our Kentucky Derby.

Here in Louisville, Derby isn't just a one day event. Derby is a month long celebration in Louisville, Ky. To prepare to celebrate this grand event, make sure you know two things:  which horses are running in the Derby and how to make a Kentucky Mint Julep! 

Post Horse Jockey Odds Post Horse Jockey Odds
1 Black Onyx Joe Bravo 50-1 12 Itsmyluckyday Elvis Trujillo 15-1
2 Oxbow Gary Stevens 30-1 13 Falling Sky Luis Saez 50-1
3 Revolutionary Calvin Borel 10-1 14 Verrazano John Velazquez 4-1
4 Golden Soul Robby Albarado 50-1 15 Charming Kitten Edgar Prado 20-1
5 Normandy Invasion Javier Castellano 12-1 16 Orb Joel Rosario 7-2
6 Mylute Rosie Napravnik 15-1 17 Will Take Charge Jon Court 20-1
7 Giant Finish Jose Espinoza 50-1 18 Frac Daddy Victor Lebron 50-1
8 Goldencents Kevin Krigger 5-1 19 Java's War Julien Leparoux 15-1
9 Overanalyze Rafael Bejarano 15-1 20 Vyjack Garrett Gomez 15-1
10 Palace Malice Mike Smith 20-1 AE Fear the Kitten Alan Garcia 50-1
11 Lines of Battle Ryan Moore 30-1

It’s time to pick your winner for the 139th Kentucky Derby!

So which horses are racing in the 2013 Derby? Check out the table to the right to view this year's horses. So how do YOU select your horse? Name? Best Odds? Jockey? Any method is a good one!

Now that you've chosen your horse, its time to enjoy a tasty mint julep!

Kentucky Derby Mint JulepMint Julep Ingredients:

Mint leaves
2 tablespoons Mint Syrup
Crushed ice
2 tablespoons water
2 ounces Kentucky bourbon

Preparation:

Crush a few mint leaves in the bottom of an 8-ounce Mint Julep Cup until mixture forms a paste. Then fill the Mint Julep Cup 1/2 full with crushed or shaved ice. Add ready Mint Syrup, water, and bourbon. Stir until the silver cup is frosted on the outside. If you are choosing to use a glass cup, note that it will not frost on the outside. To serve, accompany with a fresh piece of mint.

To learn more about events in Louisville KY, contact one of our Realtors in Louisville KY!

By: Katelyn Vittitow, Buyer Agent

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