Teresa Good
 Realtor & Owner

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Earl Weikel
 Realtor &
Principal Broker

           

Fast Home Searches
By Subdivision

Barbour Manor

Barbourmeade

Beechwood Village

Breckenridge Estates

Brookhaven

Brooks of Hickory Hollow

Brownsboro Farms

Brownsboro Glen

Brownsboro Village

Chenoweth Hills

Chenoweth Park

Coach Gate

Copperfield

Craigs Creek

Dorsey Hills

Dorsey Lane Area

Douglass Hills

Eastgate Village

Fern Creek Area

Fincastle

Flatrock Ridge

Forest Springs

Gaslight Estates

Glenmary

Graymoor Devondale

Highlands

Hunting Creek

Hurstbourne

Hurstbourne Ridge

Hurstbourne Springs

Idlewood

Indian Hills

Indian Springs

Jeffersontown Area

Lake Forest

Middletown Area

Notting Hill

Oakhurst

Oldham County KY

Owl Creek

Park Place

Plainview

Plantation

Polo Fields

Prospect KY

Raintree Meadows

Saint Matthews Area

Saratoga Springs

Saratoga Woods

Springhurst

Springview

Swan Pointe

The Glenview

Watterson Woods

Westport Gardens

Windsor Gate

Windy Hills

Woodlawn Park

Woodmont

Worthington Glen

Worthington Place


Before meeting With a Lender
Not sure what paperwork you need to take to the lender when it's time to apply for a home loan? Here's a basic checklist to make sure that you have all the documentation you need to get your loan application approved faster.

Checklist of Home Loan / Mortgage Items Required

Employers - Names, addresses and telephone numbers of all your employers for the last two years.

W-2s - These are the forms you get from your employer in January each year for filing your income tax returns. Usually you will need to provide copies of your W -2s for at least the two most recent years. Other income information can be included, such as child support or alimony, interest or
dividends, social security, pension, and rental income, if you choose to have them considered. Self-employed individuals will always need additional documentation.

Pay Check Stubs - Bring your pay check stubs from the last 4 weeks before the date of your home loan / mortgage application.

Federal Income Tax Returns - If self-employed, expect to be asked to provide complete copies of the federal tax returns you filed for
the last two recent.

Your Bank Statements - You will need to provide statements from all your accounts (checking, savings, money markets, certificates of deposits, mutual funds, 401(k) or other retirement accounts) for the last two months. Lenders need to verify the exact amount of cash you have available for your down payment and other costs associated with your home purchase like the appraisal, the home inspection and attorney fees. For certain mortgage loans, a portion of the down payment may come from a gift from a family member
or a grant from a local down payment assistance program and these will need documentation, too.

Current Debts - Provide the account numbers, current balances and the minimum monthly payments of all credit accounts, such as loans,
credit cards, child support and other payments you make each month.


Note: Never leave your original documents with the lender.


Our Internet base marketing system is second to none. We advertise your home on over 30 of the Internet's hottest real estate websites including Google.com, Yahoo Real Estate, AOL Real Estate, Trulia.com, Zillow.com, Facebook.com,  MySpace.com and many more.
 


 
  Roger Lee Harness & Associates Insurance -an Allstate Insurance Company
    - Call Roger at 502-429-9090.

 

 
 
For mortgage rates in Louisville, KY call any of the following lenders: 

     Stockton
Mortgage - Call Bev Leonhardt at 502-445-2827

     Able Mortgage
- Call Art Gall 502-802-4864

     First Capital Bank of Kentucky - Call Kirk Esarey 502-608-7068


     5/3 Bank - Call Taylor Birmingham 502-440-0337
 


    Chuck Crosby - Crosby Law Office - Call Chuck at 502-499-6360 with your real estate legal questions
        2303 Hurstbourne Village Dr, Louisville, KY 40299 Email:
chuck@crosbylaw.org

    Harry Borders - Borders & Borders Attorneys - Call Harry at 502-894-9200
        920 Dupont Rd # 100, Louisville, KY 40207

    H. Wesley Shanks - 1st Choice Title - Call Wes at 502-499-7079
        8915 Stone Green Way, Suite 100, Louisville, KY 40220



Home Inspectors We Recommend

   
HomeWise Inspection Service - Call Giles Lanham at 502-408-9007 - www.homewiseinspectionservices.com
 

   WIN Inspection - Call Bob English at 502-426-4635

    HomeMD Inspection Services - Robb Johnson 502-290-3935

Termite Inspectors We Recommend
   
    Black Diamond Pest Control
502-585-1919

    Bright Pest Control
502-452-9600

HVAC

    Prudential Heating and Air Conditioning - Steve Purdy 502-966-5813
   
    NSC Heating and Air
- Norman 502-897-5665

Once You've Moved In We Recommend
   
Gould's Elevator and Accessibility
502-491-2000
    Invisible Fence - Call Ben Faulkner at 502-468-8958
   
MAXCARE
Professional Cleaning System - 502-636-4629  www.maxcarecleaning.com
   
   MAXCARE cleans carpet, upholstery, hardwood floor refinishing and 24 hour emergency service.
    
Watson's
(Fun Furniture, Pool Tables, Hot Tubs and More!) Ask for Eleanor Van Lenten at 502-267-2333
   
*You may choose anyone you want. You don’t have to pick someone from this list. I cannot guarantee another person’s work or how they will work for you. This is just a list of who our clients have had good experiences with in the past.

 

8 Steps to Getting Your Finances in Order

1. Develop a family budget. Instead of budgeting what you’d like to spend, use receipts to create a budget for what you actually spent over the last six months. One advantage of this approach is that it factors in unexpected expenses, such as car repairs, illnesses, etc., as well as predictable costs such as rent.

2. Reduce your debt. Generally speaking, lenders look for a total debt load of no more than 36 percent of income. Since this figure includes your mortgage, which typically ranges between 25 percent and 28 percent of income, you need to get the rest of installment debt—car loans, student loans, revolving balances on credit cards—down to between 8 percent and 10 percent of your total income.

3. Get a handle on expenses. You probably know how much you spend on rent and utilities, but little expenses add up. Try writing down everything you spend for one month. You’ll probably see some great ways to save.

4. Increase your income. It may be necessary to take on a second, part-time job to get your income at a high-enough level to qualify for the home you want.

5. Save for a down payment. Although it’s possible to get a mortgage with only 5 percent down—or even less in some cases—you can usually get a better rate and a lower overall cost if you put down more. Shoot for saving a 20 percent down payment.

6. Create a house fund. Don’t just plan on saving whatever’s left toward a down payment. Instead decide on a certain amount a month you want to save, then put it away as you pay your monthly bills.

7. Keep your job. While you don’t need to be in the same job forever to qualify, having a job for less than two years may mean you have to pay a higher interest rate.

8. Establish a good credit history. Get a credit card and make payments by the due date. Do the same for all your other bills. Pay off the entire balance promptly.

 

 

Want to see the Louisville area's most popular subdivisions and neighborhoods? Click on any of the following links to see homes or condos for sale: Barbour Manor, Barbourmeade, Beechwood Village, Breckenridge Estates, Brookhaven, Brooks of Hickory Hollow, Brownsboro Farms, Brownsboro Glen, Brownsboro Village, Chenoweth Hills, Chenoweth Park, Coach Gate, Copperfield, Craigs Creek, Dorsey Hills, Dorsey Lane Area, Douglass Hills, Eastgate Village, Fern Creek Area, Fincastle, Flatrock Ridge, Forest Springs, Gaslight Estates, Graymoor Devondale, Glenmary, Highlands, Hunting Creek, Hurstbourne, Hurstbourne Ridge, Hurstbourne Springs, Idlewood, Indian Hills, Indian Springs, Jeffersontown Area, Lake Forest, Middletown Area, Notting Hill, Oakhurst, Oldham County KY, Owl Creek, Park Place, Plainview, Plantation, Polo Fields, Prospect KY, Raintree Meadows, Saint Matthews Area, Saratoga Springs, Saratoga Woods, Springhurst, Springview, Swan Pointe, The Glenview, Watterson Woods, Westport Gardens, Windsor Gate, Windy Hills, Woodlawn Park, Woodmont, Worthington Glen, Worthington Place

 

 

 




The following cities and subdivisions will be included in our home search database of houses for sale in the Louisville, KY area.

Subdivisions and neighborhoods in Louisville, KY, Jefferson County, Kentucky we service include:
Anchorage, Middletown, Crescent Hill, Douglas Hills, Fern Creek, Glenview, The Highlands, Indian Hills, Lyndon, Mockingbird Valley, Jtown, Jeffersontown, St Matthews, Academy Ridge, Arlington Meadows, Asbury Park, Ashley Woods, Barbour Manor, Barbourmeade, Bay Colony, Bay Pointe, Bay Tree, Beckley Woods, Beech Spring Farm, Bellemeade, Bluegrass Fields, Briarwood, Briarwood Estates, Broeck Pointe, Brookhollow, Brooks Hickory, Hollow Brownhurst Manor, Brownsboro Farms, Brownsboro Gardens, Brownsboro Glen, Brownsboro Vista, Brownsboro Woods, Chamberlain Place, Chatham Park, Colonial Terrace, Commons of Westport Gardens, Copperfield, Copper Ridge, Craigs Creek, Creekside, Douglas Hills, Eagles Cove, Evergreen Point, Ewing Place, Falls Creek, Fairfield, Fincastle, Flatrock Ridge, Forest Hills, Forest Springs, Forest Springs North, Fox Run, Gardiner Park, Glen Lakes, Glen Oaks, Glen Oaks Estates, Goose Creek, Halifax Place, Harmony Place, Hickory Hollow, Hills of Beckley Station, Houston Acres, Hunting Creek, Hurstbourne, Hurstbourne Acres, Indian Springs, Indian Springs Golf, Keeneland, Lake Forest, Lake Forest Legacy, Landis Lakes, Langdon Place, Locust Creek, Manor Creek, Meadow Gate, Meadow Vale, Meadowbrook Farm, Meadowgate, Meadowvale, Midland Meadows, Mill Reef ,Millgate, Moorland, Moser Farms, Murray Hill, Norton Commons, Norwood, Notting Hill, Old Brownsboro Hills, Oliver Station, Owl Creek, Overlook at Floyds Fork, Oxmoor Woods, Park Place, Pinnacle Gardens Condos, Plainview, Plantation, Plantation Hills, Polo Fields, Poplar Hill, Ridgehurst Place, Rock Springs, Rolling Hills, St Regis Park, Saddlebrook, Saratoga Woods, Seneca Gardens, Seven Oaks, SevenOaks, Shakes Run, Shelby Crossing, Silver Creek, Spring Creek, Springdale, Springhurst, Springhurst Garden, Stonehurst, Stonehurst Farms, Summit Ridge, Swan Pointe, Ten Broeck, The Coves, The Villages of Springhurst, Troon, Waterstone, West Wood, Westmoorland, Westwood, Whipps Mill Gate, White Blossom, White Blossom Estates, Winchester Acres, Wolf Creek, Wolf Pen Woods, Wolf Trace, Woodlands Creek. Woodmont and Wynham Place and a whole lot more.

Cities and neighborhoods Oldham County, KY we service include:
Buckner, Darby Pointe, Heather Green, Stonefield Trace, Crestwood, Abbott Grove, Arbor Ridge, Borowick Farms, Briar Hill Estates, Heritage Hill, Heritage Manor, Kentucky Acres, Madison Park, Magnolia Place, Moody Heights, North Ridge Farms, Northwood East, Orchard Grass, Orchard Grass Hills, Park Lake, Poplar Hill, Shadow Creek, Spring Hill, Spring Hill Estates, Stone Ridge, Summerfield by the Lake, West Wood, Westwood East, Williamsgate Goshen Barbizon Place City of Goshen Goshen Hills Goshen Woods, Harmony Lake, Harmony Landing, Lakeview Estates, Longwood, Longwood Estates, Old Taylor Place, Ridgeview Place, Settlers Point, Shiloh Farms, Taylor Creek Wood, Trails End, Pewee Valley, Ashbrooke, Ashland, Watch Hill, Prospect, Cardinal Harbour, Constantine Glen, Countryside, Covered Bridge Farms, Estates of Hunting Creek, Fox Harbor, Gardens of Hunters Ridge, Glen Oaks, GlenOaks, Harmony Village, Hillcrest, Estates of Hunting Creek, Moser Farms, Nevel Meade Estates, Oldham Acres, Paramont, Paramont Estates, Prospect Glen, River Bluff, River Bluff Farm, River Glen, Rivers Landing, Rose Island Riverside, Yacht Club Estates

Cities and neighborhoods in northern Bullitt County, Kentucky we service include:
Brooks, Fox Chase, Hebron Estates, Hillview, Hunters Hollow, Mt. Washington, Pioneer Village, Shepherdsville and Zoneton

A partial list of zip codes Louisville's Choice Realty services in Jefferson County, Kentucky, Bullitt Co. and Oldham County, KY:
40204, 40205, 40206, 40207, 40220, 40222, 40223, 40229, 40241, 40242, 40243, 40245, 40299, 40059, 40056, 40026, 40014, 40165

If you just know the neighborhood or name of the street you want to be "off of", or near, we can help you find homes for sale in those areas. The following are examples of custom searches we can set up for you:
Westport Rd, Hurstbourne Pkwy, Linn Station Road, The Highlands, Cherokee Triangle Neighborhood, Near UofL, University of Louisville Medical School, Dental School, Law Schools, Seminary, Bardstown Rd, Brownsboro Rd, Hwy 22, Highway 42, River Rd, New La Grange Rd, Shelbyville Rd, US 60, Frankfort Ave, Lexington Rd, St Matthews, Taylorsville Rd, Old Henry, Wolf Pen Branch Rd, Flat Rock Rd, off I-265, Gene Snyder Freeway, I-71, I-64, I-264

 

Copyright 2014

Louisville's Choice Realty, LLC
3801 Springhurst Blvd., Suite 105
Louisville, KY 40241

Office: 502-641-4306


Info@LouisvillesChoiceRealty.com

Earl Weikel, Webmaster