First Time Home Buyer Get $8000.00 Free Tax Refund!
If you are a first time home buyer or haven'towned a home in 3 years you may qualify for an $8000 tax refund.
Current Home Owners Get $6500.00 Free Tax Refund! If you have owned your current home for at least 5 yrs. you may quailify for a $6500.00 tax refund.
Kentucky New Construction get $5000.00 Free Tax Refund! If you buy a new construction in the state of Kentucky (Kentucky only) you may qualify for a $5000.00 tax refund.
  LOUISVILLE KENTUCKY and Indiana!!! Interested in buying Kentucky or Indiana Real Estate? Selling Kentucky or Indiana Real Estate? Investing in Louisville Real Estate? Please allow me to introduce The MAY TEAM… Jack and Cindy May found themselves in the real estate business almost 17 years ago and have loved every minute. We sell more than 10 times the average Realtor. Using the team approach is how we helped over 100 families find a new home just last year. Let us show you the “Team Advantage”.
Want to know more about Louisville? Click any of the areas below and walk yourself through each neighborhood, become acquainted with the sites and social gatherings. See the featured BEST DEAL for sale, all active listings and recently sold property in that area. We will alao show foreclosure property in those areas. Highlands, Germantown, Crescent Hill, Lyndon, Middletown, Douglas Hills, Hurstbourne, Anchorage, St. Matthews, Downtown Louisville, Glenview, Fern Creek, Jeffersontown, Okolona, Hikes Point, PRP (Pleasure Ridge Park), Valley Station, Highview, Fairdale.
OLDHAM COUNTY, KENTUCKY!!! Buckner, Peewee Valley, Crestwood, La Grange.
BULLITT COUNTY, KENTUCKY!!! Shepherdsville, Mt. Washington, Cedar Grove, Lebanon Junction.
A successful home buying or selling transaction is made up of close to 100 small tasks done well. In our system, each team member specializes in his or her own task.
The single agent tries to accomplish every task and prospect for more business at the same time. This will work if they are only working with one or two clients, but if they pick up more, their service drops off. When they are out working with a client, they are not available to take care of scheduling other showings, answering questions from clients trying to arrange the different aspects of a closing, reviewing paperwork needed for a closing, notifying other clients of listings that have just come on the market, or answering questions from loan officers who are trying to obtain information pertinent to getting approval for a clients loan. Something has to give.
Our office is different…..
We first start with our agents. Each one is specialized in the area of expertise they work in and they only work in that area.
Our Listing Specialists work only with those clients wanting to sell their homes. They can concentrate on the strategies that work best for marketing properties and getting them sold in the shortest time possible and getting the best price possible for our clients.
Our Buyer Specialists work only with those looking for property. They focus in on the needs of each of their clients and are on top of what is new on the market and what is available to fit their client’s needs. Since they do not have to worry about listing properties, they are also more readily available to show properties to their clients and advise them on all aspects of purchasing a home. Our Client Care Manager is in the office to answer the phone, schedule appointments and answer questions from clients, other agents, loan officers, inspectors, appraisers or any one else who may need to call in. They make sure information is obtained and passed on to clients, agents or who ever else may need that information. They also take care of all the details of listing and maintaining a listing and also following through with all the details to be done after a sales contract has been signed. They make sure everything is taken care, and that the process to closing is a smooth one. They take care of the details, which enable the agents on our team to do what they do best, which is working with clients and helping them to either buy or sell their homes.
We also have a Home Care Specialist who makes sure our properties are looked after and kept up. They are in charge of putting signs on our properties, keeping flyers and brochures well stocked on our signs and in our properties, checking on our vacant properties weekly for wear and tear and occasionally running paperwork to and from clients. They also schedule and keep track of showings after hours and on the weekends. This means that our clients can always reach us. Our business never shuts down.
Our Marketing Specialists keeps track of all the numbers and stays current on all the marketing trends. They figure out what is the best way to make sure our homes stay visible out in the market and what is working to keep them there. Our team stays on the cutting edge of what works and what doesn’t and passes this information and experience on to our clients.
The process is like a tug of war with each of us being pulled in many directions. Who do you want pulling for you? Do you want a single agent doing everything, or a team that is staffed to handle every aspect of your deal with each person doing his or her own part? We break it down into systems, with different people taking care of each system. Using the team approach is how we helped over 100 families find a new home just last year. Let us show you the “Team Advantage”.   |  | | | Churchill Downs | |
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First Time Buyers >Good Faith Estimates
Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.
If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.
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At the doors of what famous temple do you find yourself when you climb the 'Stairway to Heaven'?
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| A |
The Temple of Heaven in Beijing, China, attracts the local faithful and tourists. |
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