As the largest city in the Bluegrass State, Louisville pairs midwest charm and southern hospitality with an enticing array of chef-led restaurants, 120+ parks, miles of trails, iconic sporting events, inviting communities and a scenic riverfront setting. In addition to its own lively neighborhoods—Nulu, The Highlands and Lake Forest, to name a few—Louisville’s four commuter-friendly bridges cross the Ohio River to offer residents and workers easy access to several Southern Indiana neighborhoods as well. Embracing active yet relaxed everyday living is a breeze in this standout southern city.

While the homebuying process may seem daunting, here’s what you need to know: your agent and brokerage have your back. We will be with you every step of the way, providing invaluable support and guidance to make the transaction as smooth and seamless as possible. And yes, that’s entirely possible.

Choose an Agent

Well, hello. Selecting an agent is a highly personal decision. You trust them to advise you through one of the biggest decisions of your life. And it’s not a responsibility we take lightly. Through personal and diligent work with our clients, we’ve come to understand what’s important to them, establishing a sense of confidence and comfort.

The First Consultation

Shall we begin? Now is the time we get to know you, your needs, hopes, and dreams for homeownership. From spearheading your search to providing crucial feedback along the way, your agent is your partner from start to finish, and then some.

Financing Pre-Approval

When it comes to real estate, money talks. Before you begin the search, you’ll want financing pre-approval. Pre-approval is different from pre-qualifying, as it means a full loan approval, not just an opinion letter. Determining the loan amount you qualify for will help you set your price range. Unless you’re paying in cash, of course.

We’ll connect you with a mortgage broker, who’ll determine how much a bank will lend you. This process will help you understand the variety of financing options and what your down payment will be while placing you in a better negotiating position in the seller’s eyes.

A little self-control goes a long way. Applying for a home loan is a sensitive process. Here’s what to avoid when seeking financing.

Don’t buy or lease a car before you apply.

Lenders look at your debt-to-income ratio. A large payment or other significant purchase can impact that ratio and prevent you from qualifying for a loan.

Hold off on buying the furniture and appliances.

You don’t want to add big, new purchases to your debt or take from your available funds for closing costs. We repeat: put the credit card away.

Your Credit

Establishing good credit with a good payment history is imperative and helps boost your credit score.

Job Stability

A consistent job history with the same company is ideal, but a career advancement may also be

Debt-to-Income Ratio

The lender looks at your full income, debt, down payment, loan principal taxes, interest, and insurance to come up with an income ratio.

Home tours. We’re in this together.

Let’s go hunting. We are always happy to preview properties so you don’t have to waste a Sunday afternoon at the wrong home. As we shop around at showings and open houses, we’ll further refine the search and adapt to your needs.

We’ve found it. Just like we knew we would.

Once we’ve found the one for you, we prepare an offer.