As a Keller Williams agent, I can bring you the unparalleled advantage of the ZeroPlus loan by Keller Mortgage which is exclusive to KW transactions.
Keller Mortgage has saved clients over $50 million dollars!
So how does this work? Keller Mortgage offers:
- Zero Origination Fees
- Zero Lender Fees
- $1000 at closing towards 3rd party fees (such as inspectors)
- Competitive and low rates
- + a $1000 closing credit on loans $150K and above
Do all properties qualify?
Keller Mortgage can help you purchase primary, vacation, and investment properties up to 4 units and they can also refinance your current mortgage.
What types of loans am I able to get?
- Conventional – Fannie Mae & Freddie Mac – minimum of 3% down payment
- JUMBO up to $3 Million
- Both Conventional and Jumbo loans offer fixed rates and ARMs.
- FHA – minimum of 3.5% down payment
- VA - $0 down payment
- USDA - $0 down payment
Currently Keller Mortgage is unable to offer loans for new construction, rehab, HELOC, reverse loans, raw land/lots, mobile/manufactured homes, co-ops, non-warrantable condos, commercial properties, or bond loans (down payment assistance).
Is this a pre-qualification or a pre-approval?
Keller Mortgage wants you have the best chance at getting the home you want so they only offer pre-approvals. This means that they have verified documentation from you and are confident your loan will make it to the closing table.
What if I’ve already been pre-approved...
This summer has been all about getting out of the house and finding
activities around Louisville that are either free, or cost only a few dollars. In theupcoming weeks we will be blogging about all of the events that we have found, but we wanted to start with one that is free and fun of everyone of all ages. If you haven't checked out a Waterfront Wednesday concert, you need to add it to your list of things to-do. Not only are these concerts are absolutely free foreveryone in the family, but the music is great and you also get a great view of the city. Waterfront Wednesday's usually fall on the last Wednesday of the month, so make sure to look up their events to make sure they are hosting a concert on the Wednesday that you are interested in going. They begin the concerts in April and then the last one will fallaround September. If you've been downtown then you will know exactly where the high lawn is. That's where the concerts are located but youcan also watch the concert from the bridge. Our family has not done that yet, but I hear that it's a spectacular view and you can still hear the music as if you were right on the lawn. Usually the concerts begin around 5 and will last until 10 or 10:30. It's great if you've got kids but it's also great for couples who don't have kids. It's a different kind of date night, and hey, it's free! One thing that we have learned about the concerts is that you are free to bring in our own food as long as it is in the appropriate and approved containers, but beer and other alcohol has to be purchased inside of the park/concert. So if you're like us and have been looking for free and different things to do around town, check out Waterfront Wednesdays! They make...
It's always fun getting out to explore the city, especially since there are so many up and coming areas with great local restaurants and coffee shops. Beechmont is one of those areas in town that I feel is going to take off very soon. We recently went to the area to look at some of the homes that are for sale and we really enjoyed all that the area had to offer. One of the things that really stood out was the amount of parks that are located throughout the area. Most all of them had walking trails and playgrounds for kids to play at. It was a perfect area for families with young children to relocate in. Beechmont also has a very hip coffee shop called Sungeros that we stopped in and ordered a cup of coffee and a pastry. Their coffee was amazing, but we really enjoyed the low key setting of the shop. We also visited a popsicle shop that was much like Steel City Pops on Bardstown Road. All of the ingredients were purchased from local farmers in order to make the popsicles. In fact, you could sit out in the lobby and look through a glass window to watch all of the popsicles being made on site. Not only is the area up and coming, but it is located right down the road from Iroquois Park which is a gem to the city of Louisville. They offer certain events throughout the seasons such as movies in the amphitheater during the summer months and The Pumpkin Spectacular during Halloween. They have amazing bike trails, hiking trails, playgrounds, basketball courts, and great views of the city. If you're out and about, head over to this part of town and check it out. We promise, you'll be very impressed!
NuLu is full is new restaurants, shops, bars and coffee shops. Among all of those new businesses is one of Louisville's oldest family owned businesses, Muth's Candies. Established in 1921, Muth's Candies has always been located downtown on the 500 block, but they relocated in the 60's when their original shop was replaced by the expressway. When you walk into the candy store it's like taking a step back in time. There are antiques that line one entire part of the store that are so fun to look at. While talking to one of the family members I learned that these pieces were mostly antiques from other family members who had passed away. This included engraved beer mugs and roses folded out of paper. The other side of the shop features all of the candies that are made daily in the store. What I found fascinating is that the cases that store the candy were bought second-hand in 1921 when the shop first opened, so they are now over 100 years old. As you browse the cases of candy you will see every kind of candy you could ever imagine. There are chocolate covered raisins and peanuts, caramels, fudge, bourbon balls and their signatures candies, modjeskas, which are named after one of the family's favorite Polish actresses. The modjeskas are mashmallows that are covered in caramel. Not only was I impressed with the delicious candies, but the family who owns the store could have have been more friendly. They were so excited to tell the history of the store and get to know me while I was shopping. One of the uncle's who works in the store told us as we were leaving, "Don't keep us a secret! Tell all your friends,...
Christmas, my favorite holiday. I have to admit, my four year old daughter was so excited about Christmas this year that she begged me to put up our tree and decorations early. Usually I'm a stickler for waiting to decorate for Christmas until after Thanksgiving, but she somehow talked me into it. I wonder if it was her excitement, her sweet little voice, or the way she folded her hands while she begged me to decorate early. Maybe it was a combination of all three, but I'm so glad I did, and now I'm in the Christmas spirit as much as she is! This year Christmas for our family is going to be so fun! Addison is at such a fun age where she's enjoying all the fun activities around town and Evelyn is just enamored with all the lights. Of course I started thinking about all the fun things to do around Louisville at Christmas and a long list was not hard to compile! Louisville always has such fun activities for kids around the holidays and so I thought I would share a few of them with you incase you're looking for something fun to do with your family and loved ones.
-One of my favorite things to do around Louisville this time of year is to visit the Galt House for their annual Kalightoscope experience. I first learned about this event when I took my class on a field trip to it a few years back. It's an amazing display of lights that include everything from Santa and the reindeer to penguins. This event has really grown over the years and it now includes a walk through elf town, a meeting with an ice princess, a meeting with Santa where you get a free digital download of the picture that's taken and even a train ride. Another good thing about this event is that it doesn't end until January, so if you can't make it before Christmas, there's time to visit afterward! It's a must do in my opinion!
-The Kentucky Center for the Arts always offers The Nutcracker in December but my oldest daughter could not sit for that long. In my longing to...
Our Visit To Gallrein Farms for Pumpkin Picking and a Visit to The Petting Zoo.
Want to know what I love about fall? Everything! There's the crisp, cool weather, football games, the turning of leaves, trick-or-treating, bonfires, boots and scarves, and my favorite; the pumpkin patch. What's not to love about spending the day with your family picking pumpkins and apples? One of my favorite orchards in the Louisville/Shelby County/Frankfort area is Gallrein farms. Some of the other orchards in the area get so crowded around this time of year that it's hard to enjoy all that they have to offer. Gallrein is sort of a hidden gem. Many people know about it, and there are definitely a lot of people on the property when you go to visit, but it never seems overcrowded. I took my two daughters to Gallrein Farms late last week as were in search of tiny pumpkins for my daughter to take to a get together with some of the kids in her preschool class. We had so much fun wandering around the main building looking at all of the pumpkins! What I love about Gallrein's is that you have the option to take a hayride into to a
field and pick the pumpkin of your choice, but if you'd rather browse the ones that have already been picked, there is a great variety to choose from. One thing I discovered this year is that there is such thing as a gray pumpkin. I fell in love! After our daughter picked the six most perfect pumpkins, we visited Gallrein's deli and candy shop. It is such a quaint little county...
It's that time of the year, folks! Everyone gathers around to light up their houses and businesses and Louisville, Kentucky is no exception to this tradition. Everywhere you look, you're bound to find lights in every part of town. That was my experience when I sought after the best-lit parts of one area of town: The Highlands! This area in particular is known for its edgy, unique, thriving personality. The Highlands tends to be its own little town within the big city of Louisville. The community loves to come together to make the area one-of-a-kind and the holiday season definitely inspires the creativity for which this part of town is known.
I took a big journey throughout the Highlands to seek out the best streets and houses that outdid themselves and truly wowed me. The Highlands is one of my favorite parts of this town so this wasn't just a project to me. If I tried to tell you the route I took, you'd be turned around every which way. So let's take a tour through the Highlands with the pictures I took to appreciate the work these people put into their houses to show the best holiday spirit.
First, I took a trip down Eastern Parkway, going toward the park. From Bardstown Road to the end of the Parkway, there are too many houses to look at without slowing your car down. This is definitely one of my favorite streets because of the big, historical houses and it's fun to see them decorated with their owners' unique styles. This is one of the three streets I've voted the best to drive down if you want to feel as though you're driving through a winter wonderland.
I eventually made my way to the western side of Bardstown Road, which I found to be more decorated than the eastern side. I ventured down Hepburn Avenue, a street I'm familiar with as a relative lives there. I was impressed by the...
Giving Credit Where Credit is Due: How to build from the ground up
I remember six years ago when Megan and I had just got married. Megan had a credit score of zero. This isn't a good thing, nor is it a bad thing, she was just starting a new chapter in her life. We were in a furniture store trying to get her a credit card to buy a couch even though we had plenty of money to pay cash for it, we wanted the card just to help her build up her credit. She got denied for the card! It was so frustrating, I had just sold a few houses and we could have paid cash for several of those couches but they wouldn't give us a credit card for it.
Getting Started With your Credit:
Coming up here in a few months is College graduation and many students are going to be hitting the work force for the first time in their actual careers. A couple of years after that, hopefully, they will be calling me to buy their first house! Typically they will rent a place for six to eighteen months then start looking for a home to call their own, which is normal. It isn't as easy for young people to obtain a loan as it was just a eight years ago. Creditors are getting tighter with what they are requiring, which is making it harder and harder to obtain a loan.
Here are a few good ways to get your credit rolling.
- Start a savings account. Most people already have a checking account but not a savings account. You really don't need all that much money in it you just need to have it. Creditors will like the fact that you have money set aside.
I just got my HOA bill from the Springhurst Community Association the $905 will be due Febuary 1st you can pay in two installments if you want. The first installment would be $453 and the second installment due on April 1st would be $452. Some people think this is expensive but I think it is an absolute deal considering what all you get. It seems like we have a landscaping crew of at least six guys in the neighborhood working on something every single day and the pool is awesome. The median on Hurstborne lane always look fantastic as well as all the common space throughout the neighborhood. It really gives you a great pride in ownership just pulling into your neighborhood. If any of you would like to live in Springhurst you can check out all the houses for sale by clicking this link.
- This is totally not Real Estate related but its something worth sharing. My wife is all about family traditions and it seems each year she wants to add a new tradition for us to try. This year she wants to start making a crock pot meal every Christmas eve so that we can have a nice breakfast Christmas morning. To be honest I'm really looking forward to it, Megan is a great cook and this yummy recipe from Jimmy Dean's website looks great! Check out the recipe below:
Slow Cooker Sausage Breakfast Casserole
Prep Time: 15 minutes
Cook Time: 8 hours
1 pkg. (26-32 ounces) frozen shredded hash brown potatoes
1 pkg. Jimmy Dean® Original Sausage Crumbles
2 cup (8 ounces) shredded mozzarella cheese
½ cup (2 ounces) shredded Parmesan cheese
½ cup julienne-cut sun-dried tomatoes packed in oil, drained
6 green onions, sliced
½ cups milk
½ teaspoon salt
¼ teaspoon ground black pepper
- Spray a 6-quart slow cooker with cooking spray. Layer ½ of the potatoes on the bottom of slow cooker.
- Top with half of the sausage, mozzarella and Parmesan cheese, sun dried tomatoes and green onion. Repeat layering.
- Beat eggs, milk salt and pepper in large bowl with a wire whisk until well blended.
- Pour evenly over potato-sausage mixture.
- Cook on LOW setting for 8 hours or on HIGH setting for 4 hours or until eggs are set.
Substitute 1 cup chopped fresh tomato for sun-dried tomatoes, if desired.
Substitute 1 pkg. Jimmy Dean® Premium Pork Regular Roll Sausage, cooked, crumbled for Jimmy Dean® Original Sausage Crumbles.
12 servings (about 1 cup each)