The Betty Seay Team

5 tips for a smooth refinance

2011-09-22T10:58:00.000-04:00

Many of you are considering a refi. Take a look. Julie Betty Seay Realty 502-349-0051

5 tips for a smooth refinance

Saw this on Good Morning American this morning :)

2011-09-21T15:16:00.004-04:00

Huge Highlandville Home Spans 72,215 Square Feet --- Larger than White House">

New BSR Commerical Link

2011-08-18T10:51:00.000-04:00

http://youtu.be/mRcQz6LbBWM

Kentucky Standard Ad 08.19.11

2011-08-18T10:48:00.001-04:00

Great Values!

A 1% low rate!!!! WOW!

2011-07-11T17:38:00.002-04:00

Lottery for New Construction Program for Single Parent, Disabled, or Elderly Households
Funds for the New Construction Program for Single Parents, Disabled, and Elderly Households will soon be available. The funding source this year will be New Bond funds, which means borrowers must meet all New Bond guidelines, with the exception of purchase price and income limits (listed below).
Funds will be available to populations that meet the following program guidelines:
First mortgage loan (FHA, VA, and RHS only - no conventional) with 30-year fixed interest rate of 1 to 6 percent. The rate will be the highest for which the applicant qualifies at ratios of 29/41.
New construction property only.
Maximum purchase price of $115,000.
Eligible households include:
Single parents with at least one dependent child under the age of 18 living in the household.
Households with at least one member with a permanent disability who is receiving some form of disability income (SSI, SSDI, etc.).
At least one of the home buyers age 62 or older.
Gross annual household income less than $28,000 for 1-2 persons or $33,000 for 3 persons or more.
Regular rate program with points required.
Borrowers must have minimum credit score of 640 and AUS approval.
Regular Down payment Assistance Program is available for down payment and closing costs.
Reservations will be selected through a lottery system. The lottery will be open for reservations Monday, July 25, through Wednesday, July 27. Winners will be notified by e-mail by Friday, July 29. All applicants MUST have a fully-executed contract when the loan is reserved.
Call us for more information!
Julie Moore
Betty Seay Realty
502-349-0051

Upcoming Open Houses

2011-03-01T12:50:00.001-05:00

108 South Third Street, Bardstown: Sunday March 6th 2pm-4pm
and
466 Grand Canyon, Elizabethtown: Sunday March 6th 2pm-4pm

Come out to see these great houses! Betty Seay Realty 502-349-0051

Welcome Home Grant

2011-02-18T14:42:00.001-05:00

REASON #9 You should buy a house in 2011

2011-02-03T14:01:00.001-05:00

Rates are amazing! Historic Lows!!!

Julie Moore, Betty Seay Realty 502-349-0051

Feb 2011 KY Home Mag Ad

2011-01-24T13:24:00.002-05:00

REASON #10 You should buy a house in 2011

2011-01-24T13:14:00.002-05:00

Affordability is better than ever!!! You get more for your money in more ways than one! New Construction, Existing, and Bank Owned Properties are just a few ways to get the deal of a lifetime!

Julie Moore 502-349-0051 Betty Seay Realty

2010-12-09T10:34:00.000-05:00

Pictures with Santa! Support Barktown Rescue

2010-12-01T11:58:00.003-05:00

New this week!

2010-09-22T17:02:00.000-04:00

Congrats Betty!

2010-09-09T15:53:00.001-04:00

2010-08-31T15:59:00.000-04:00

RHS 100% funding is open again. Kentucky Housing rates for a customer with a 700+ credit score are 3.875% and KHC has down payment assistance available of $4,000.00 to help with closing costs. Julie Moore Betty Seay Realty 502-349-0051

30 Year Fixed 3.875%

2010-08-19T09:32:00.001-04:00

Mortgage loan interest rates as low as 3.875%. Kentucky Housing Corporation lowered their rates yesterday! Amazing! Buying a home is more affordable the ever before! Julie Moore, Betty Seay Realty 502-349-0051

New this week...

2010-08-18T16:22:00.002-04:00

Why use a Realtor?

2010-08-17T15:57:00.000-04:00

Realtors® have invaluable experience and expertise - it's their job!Realtors have the knowledge and experience it takes to sell homes - after all it's what they do. It comes from years of service in real estate and hundreds of homes bought and sold. Realtors are familiar with trends in your area, what's hot, what sells, what buyers want and what it takes to make the sale of a home quick and seamless. Julie Moore Betty Seay Realty 502-349-0051

New Listing

2010-08-10T15:32:00.004-04:00

Retirement planning anyone?

2010-08-10T15:32:00.001-04:00

Mortgage Rates are awesome. Anyone ready to start buying investment properties??? We have several great places that will cash flow!!! Best investment that you can make for your retirement!!! Julie Moore Betty Seay Realty 502-349-0051

New Listing

2010-07-28T12:09:00.001-04:00

Kentucky Standard Ad 07.28.10

2010-07-28T11:45:00.002-04:00

Cover KY Homes August 2010

2010-07-21T15:09:00.001-04:00

Now is a good time to buy. Here's why!!!

2010-07-19T11:42:00.001-04:00

The Market is Strong
Interest rates are historically low, inventory is abundant and prices are stable.

“All Real Estate is Local”
Market conditions being reported nationally do not necessarily reflect the real estate market in your local community, neighborhood or street. Speak to a REALTOR® who truly knows your local market.

Building Wealth
Owning a home not only provides you with shelter, but it is one of the best ways to build wealth. In addition to the tax benefits, real estate has delivered the most consistent positive return over any long-term investment during the last 40 years.

Timing
The right time to buy (or sell) is when it is right for you. Trying to time the market is extremely difficult as the only way to know the market has hit bottom is when prices are on their way back up.

Qualified Buyers
Underwriting requirements for loans have been tightened; as a result, buyers who are now in the market are more qualified. This means sellers can feel more confident that their sale is going to close.

Did You Know…Mortgage rates are at historic lows, remaining at or below 6%, and well below their all-time highs of over 18% in the 1980s.The rate of return on a housing investment dramatically increases the longer it is held (Harvard University Joint Center of Housing Studies).The median net wealth of a renter household is $4,800, while the median net wealth of a homeowner household is $171,700. (Federal Reserve Survey of Consumer Finances)

Call today Julie Moore, Betty Seay Realty 502-349-0051

2010-07-08T11:04:00.003-04:00

Wow---KHC rates dropped again today!!! 4.375 with a credit score of
700+ and 4.625 with a credit score of 620+!!!

If you have not purchased a home, you should be! Julie Moore Betty Seay Realty 502-349-0051

Simply Amazing!!!

iPhone users! This is awesome!!!

2010-07-07T13:51:00.000-04:00

Hey iPhone users check this out! Julie Moore 502-349-0051 Betty Seay Realty

Get the REALTOR.com® Real Estate Search iPhone Application here!
Not only can you instantly access over 4 million homes for sale with the touch of a button, whether you aredriving or walking through a neighborhood, you can also see:
· Homes for sale nearby your current location with your GPS enabled iPhone
· Open house times, dates and locations
· Homes for sale on a map, even the neighborhood you're standing in, instantly
· Multiple photos, property details and pricing on nearly any home for sale
· More homes for sale than any other real estate site in America
· Information you can trust - because it's the official listing site of the National Association of REALTORS®
Plus, REALTOR.com® is the only site that regularly updates home sales data throughout the day. So if a homecomes on the market today or if a price is reduced, you'll see it before anyone else.

Closing period for Tax Credit extended.

2010-06-30T16:49:00.000-04:00

From House Rep. Frank Kravotil's site:
Today, the House of Representatives passed an extension of the $8,000 homebuyer tax credit for first time homebuyers. The extension was set to expire at the end of June. The extension, sponsored by Rep. Frank Kratovil and his colleagues Rep. Travis Childers (D-MS) and Kathy Dahlkemper (D-PA), will extend the credit until October 1, 2010.“The first time home buyer tax credit is working to revitalize the housing industry, a major indicator of the overall strength of the economy,” said Rep. Frank Kratovil. “However, more than 2,000 Marylanders who have already signed a contract to purchase a new home are having their closings delayed through no fault of their own. This common sense legislation will ensure that these individuals receive the tax credit that they rightfully deserve. Extending this tax credit will not only boost our economic recovery and support our housing market, but it is also the right thing to do.”The bill extends the credit for all homebuyers with a binding contract as of April 30, 2010 so that they are afforded more time to close the sale and still benefit from the credit.In late September Reps. Frank Kratovil (D-MD) and Travis Childers (D-MS) introduced a bill, The Tax Credit Extension for Homebuyers with a Loss Deduction Incentive Act (H.R. 3640), to extend the first time home buyer tax credit. A similar home buyer tax credit extension was eventually signed into law on November 6, 2009.
From the NAR:
Timely action is essential. Only one more day of eligibility remains for the credit. Despite the urgency, as many as 75,000 buyers and sellers still await bank approval of short sales or must cope with delays caused by third parties with responsibility for closing the transaction. Those selling properties damaged in natural disasters also are experiencing significant delays as they repair and restore homes that were under contract.
Extending the closing date from June 30 to September 30 is a pro-consumer relief provision that will also benefit many communities. It assures the fair treatment of purchasers who have followed the rules and done their part to assure that the sale goes through. Congress must assure that those who have met the eligibility requirements for the credit and done all within their power to satisfy the timing requirements will not have to forfeit the credit because of events and challenges outside their control.
The Senate must vote on the bill now. Senate Majority Leader Harry Reid should be on a mission to get this pushed through the process. If you're one of the folks who need this deadline extended...get on the horn with your Senator and make sure this bill gets passed ASAP. (ugh I hope there isn't any bacon attached!)

Julie Moore 502-349-0051

Friday KY Standard AD 06.25.10

2010-06-24T14:55:00.001-04:00

Short Sales and Foreclosures

2010-06-16T15:07:00.002-04:00

Triple Open House

2010-06-14T11:08:00.000-04:00

06.11.10 KY Standard Ad

2010-06-10T09:52:00.001-04:00

Great new listing! 2715 Lyon Station Road

2010-06-09T09:54:00.001-04:00

June 2010 KY Homes

2010-06-03T10:22:00.000-04:00

Attention Buyers!

2010-06-02T09:42:00.000-04:00

Is all the talk about tax credits, grants, foreclosures, and the current state of the market making your head spine? You are not alone!!! Many buyers have expressed the feeling of being overwhelmed with information. The Seay Team will make your path to home ownership easier and guide you through the sometime challenging maze of home purchasing. We offer step by step service to our buyers from finding a loan and down payment assistance to closing and beyond. We pride ourselves on being educated and informed.

Take a look at the client note that I received this morning:

“I just wanted to thank you all for your help during the home searching and buying process. I also wanted to let you know that so far, we absolutely love the house. It's everything we expected and then some. I will recommend your staff to anybody I know that is in the market.”

Call, Text, FB me today, Julie Moore, Betty Seay Realty 502-349-0051.

Weekly Foreclosure Email

2010-05-24T13:27:00.002-04:00

Sign Up for a weekly foreclosure listing email. No junk mail just the property information! Email me at bettyseayteam@bellsouth.net to sign up today! Great Value, Updated Weekly! Julie Moore, Betty Seay Realty 502-349-0051

KY Standard May 2010

2010-05-20T17:52:00.002-04:00

Great Rates, Great Time to Buy!

2010-05-20T17:49:00.002-04:00

Attention buyers. Rates took another dive today!!! 4.75% 30 year fixed. Call today. Julie Moore, Betty Seay Realty 502-349-0051

Free Money

2010-03-16T13:49:00.000-04:00

Green Tips from Edward!

2010-03-08T20:16:00.002-05:00

Energy Efficiency Tip:

Only about 20% of home built before 1980 are properly insulated. You can increase the comfort of your home while reducing your heating and cooling needs up to 10% by investing in proper insulation and sealing air leaks.

02.19.10 KY Standard Ad

2010-02-18T16:59:00.000-05:00

Foreclosure Rate Dips on January

2010-02-18T16:41:00.000-05:00

Foreclosure Rate Dips in January U.S. foreclosures declined 10 percent in January compared to December, but were still up 15 percent year over year, foreclosure marketer RealtyTrac reported Thursday.RealtyTrac CEO James Saccacio predicted an increase on the horizon: “January foreclosure numbers are exhibiting a pattern very similar to a year ago: a double-digit percentage jump in December foreclosure activity followed by a 10 percent drop in January, then a surge in foreclosures over the next few months.”States with the top 10 foreclosure rates are: 1. Nevada 2. Arizona 3. California 4. Florida 5. Utah 6. Idaho 7. Michigan 8. Illinois 9. Oregon 10. GeorgiaSix states account for nearly 60 percent of the national total: California, Florida, Arizona, Illinois and Michigan.

Kentucky Homes

2010-01-29T15:09:00.002-05:00

KY Homes

2010-01-29T09:41:00.001-05:00

Kentucky Housing Interest Rate All Time Low!

2010-01-21T11:18:00.001-05:00

FRANKFORT, Ky. (Jan. 6, 2010)—Gov. Steve Beshear today announced that Kentucky Housing Corporation (KHC) will begin offering the lowest interest rates in its history thanks to President Obama’s Homeowner Affordability and Stability Plan.
“With housing industry troubles leading nearly every newscast and topping nearly every paper for the last year, it’s rare to find a positive point to focus on,” said Gov. Beshear. “Kentucky Housing Corporation is now offering positive housing news for Kentuckians.”
KHC’s rate for government loans (Federal Housing Administration, Veterans Administration and Rural Housing Service) are currently at 4.375 percent. Applicants with a 700 or better credit score who are not using KHC down payment assistance can receive a 4.125 percent rate. These are the lowest rates that KHC has ever offered, and they plan to help as many Kentuckians as possible achieve homeownership. KHC has a stated goal of helping 3,500 first-time home buyers and second-time home buyers in targeted counties acquire homes in 2010.
“KHC consistently works to help homeowners find ways to work through whatever barriers they face in acquiring a home,” said Richard L. McQuady, chief executive officer of KHC. “The federal government’s new Homeowner Affordability and Stability Plan will enable us to provide low-rate mortgages to help many more families.”
The Homeowner Affordability and Stability Plan, created by the Obama administration, is designed to stimulate and stabilize the U.S. housing market. The plan lowers the borrowing costs of housing finance agencies (HFAs) across the country, who in turn can offer very low mortgage rates to home buyers through KHC-approved lenders.
The new bond purchase program supports new lending by HFAs, which means HFAs can sell bonds easier, and get cash from the bonds they already have, thereby creating more funds to support home-mortgage loans. The Obama administration worked with the National Council for State Housing Agencies (NCSHA), the U.S. Treasury, Freddie Mac, and Fannie Mae to create the new bond purchase program, which was finalized in November 2009.
“Without the initiative started by President Obama, and the hard work from NCSHA, the U.S. Treasury, Freddie Mac, and Fannie Mae in creating a solid and sustainable plan, these rates would not be possible,” said Gov. Beshear. “We are grateful that the funds provided through this initiative will allow thousands of residents across the state to have a home of their own.”

Amazing!!! Call The Betty Seay Team 502-349-0051

01.22.10 KY Standard Ad

2010-01-21T11:12:00.001-05:00

11.13.09 Kentucky Standard

2009-11-11T10:38:00.001-05:00

Tax Credit Updates

2009-11-09T10:17:00.001-05:00

One-of-a-Kind Recycled Home Décor

2009-11-04T10:29:00.002-05:00

Eco is not just home building it can also be reclaiming old products and giving them a new life! Check out some of these products that got a new life!

http://www.thedailygreen.com/green-homes/latest/recycled-home-decor-47090203

What the heck is a GREEN building?

2009-11-04T10:25:00.000-05:00

What the heck is a "green building"? It doesn't mean it's painted green. (Although it could be.)

To the exasperation of some people, there is no standard definition. Some builders may do little more than erect townhouses that increase urban density rather than building a highly energy-efficient product that's truly light on the land, as the "green" term implies.

At the other extreme, buildings may be packed with environmentally friendly features, such as solar technology that generates electricity or heats water. More examples: toilets that are flushed by using water captured from the shower drain, thanks to a "gray water system"; and "green roofs" featuring grasses and plants that soak up some rainwater before it can pick up pollutants and flush them into local waterways.

It may come as a surprise to hear that buildings are energy hogs that consume more energy than cars and trucks. Commercial and residential buildings in the US are estimated to consume 65 percent of all electricity, as well as 12 percent of drinkable water and 40 percent of all raw materials, according to the Commission for Environmental Cooperation, an international organization.

One problem: Homes are becoming humongous. President Abe Lincoln was born in one-room log cabin that might be smaller than your living room (16 feet by 18 feet). Today, the average new single-family house is nearly the size of nine Lincoln cabins. Lots of homes are even bigger. Big homes require more energy and building materials. A 5,000-square-foot house is estimated to consume three times as much material as a 2,085-square-foot home, even though its square footage is only 2.4 times larger, according to an analysis by Environmental Building News.

If the point behind the green building movement is to shrink every person's footprint on the planet, then the societal shift toward 3,500-square-foot or larger homes runs counter to that spirit. Smaller homes are lighter on the land.

So what's a consumer to do? Don't accept a "green" label at face value. Ask questions about features. There are voluntary green-building rating systems--some local, a few national -- such as perhaps the most predominant one, U.S. Green Building Council's Leadership in Energy and Environmental Design program (www.usgbc.org/LEED/). All rating systems require buildings to earn a certain number of points to earn "green" certification, and they don't give too much weight to home size. The National Association of Home Builders' Green Building Program addresses house size by awarding four points for building smaller, says Alex Wilson, president of Vermont-based BuildingGreen. That's out of a 300-point rating system.

For more info:

Wonder how much of an impact your home and lifestyle have on the environment? To determine your family's "carbon footprint" and learn ways to shrink it, check out the calculator at CarbonFootprint.com. To figure out how many Earths would be needed if everyone in the world lived a lifestyle similar to yours, go toMyFootprint.org .

GREEN Tips from Edward!

2009-09-21T10:33:00.001-04:00

Plant trees or shrubs to shade air conditioning units but not to block the airflow. Place your room air conditioner on the north side of the house. A unit operating in the shade uses as much as 10% less electricity than the same one operating in the sun.

Don't place lamps or TV sets near your air-conditioning thermostat. The thermostat senses heat from these appliances, which can cause the air conditioner to run longer than necessary.

KY Standard Ad 09.18.09

2009-09-17T11:35:00.001-04:00

Betty Seay On the Radio

2009-09-16T17:25:00.003-04:00

Catch Betty on WBRT Radio. The 2nd and 4th Monday of each month at 11:30 a.m.!!!
"Class is in Session" Learn great information on topics ranging from buying your first home to buying foreclosure properties! This 1/2 hour show is packed with everything you need to make a successful real estate purchase or sell a property in a challenging market! For more information email bettyseayteam@bellsouth.net

New Home Tax Credit

2009-09-16T17:22:00.001-04:00

The New Home Tax Credit is a nonrefundable credit, up to $5000, against individual income tax allowable to a qualified buyer, provided a cap of $25,000,000 for all approved New Home Tax Credits has not been met.

Click here for additional clarification about this credit in a new administrative regulation, 103 KAR 17:150.

You Can Claim the Credit if All of the Following Apply:

1. Your qualified principal residence is a single family dwelling;
2. Your qualified residence is purchased to be the principal residence of the qualified buyer(s) for a minimum of two (2) years;
3. You purchase a new home after July 25, 2009 and before July 26, 2010; and,
4. You meet qualifications and receive approval from the Department of Revenue.

Call the Betty Seay Team. Take advantage of once in a lifetime tax credits, grants, low interest rate, and more! Julie Moore, Betty Seay Team 502-349-0051

GREEN Tips from Edward!

2009-09-11T15:14:00.000-04:00

There are several ways to save energy and water in the laundry room, from careful selection of your machines to using cold water. When your old washing machine clunked out, you cleverly replaced it with a front-loading model bearing the Energy Star label. Congratulations! You're already using 50% less energy and water, and saving $110 a year.

But if you're a renter or otherwise saddled with an oldie, you can still make running a load of laundry even more efficient. About 90% of the energy used for washing clothes is for heating the water.

So wash clothes in cold water whenever possible. And reduce the number of times you run the machine by always waiting until you have a full load.

Super New Listing

2009-09-02T15:00:00.003-04:00

1287 Highway 1066 $175,900

Call the Betty Seay Team for more information!

502-349-0051

Very well constructed walk out ranch on 5.78 acres. Stunning country views, ready for horses or cattle, pond, and well fenced. Enjoy the peaceful outdoor living space from the covered deck with ceiling fan, patio, stamped concrete driveway and sidewalks, outbuilding with aporch, mature shade, super landscaping. Inside outstanding features include a large laundry room, large closets in every room, hardwood, openkitchen, vaulted and tray ceilings, large master suite, separate dining room, additional lower level garage with finished walls that could easily be afamily room, lots of storage space, neat and clean! Like new and move in ready.

Time is running out......

2009-09-02T14:58:00.002-04:00

The $8,000.00 tax credit will expire on November 30, 2009. To take advantage of this historic tax credit call today to begin the home buying process. Julie Moore 502-349-0051.

Friday KY Standard AD

2009-09-02T14:57:00.002-04:00

Friday KY Standard AD

2009-08-20T09:38:00.001-04:00

GREEN Tips from Edward!

2009-08-11T17:39:00.004-04:00

By thinking a little about the products you choose, you can promote recycling and make a big difference for the environment.

In order to support recycling efforts, look for products made from high percentages of post-consumer waste, which is the waste produced by the end consumer of a material stream. Post-consumer waste is the garbage that individuals routinely discard, either in a waste receptacle or a dump, or by littering, incinerating, pouring down the drain or washing into the gutter.

Post-consumer waste is distinguished from pre-consumer waste, which is the reintroduction of manufacturing scrap (such as trimmings from paper production, defective aluminum cans, etc.) back into the manufacturing process. Pre-consumer waste has been commonly used by industries for many years, and is therefore often not considered recycling in the traditional sense.
Therefore, buying products with post-consumer content is an easy way to keep landfills lean. It avoids using virgin resources like forests and strengthens the market for recycled materials. We can separate all the metal, paper and plastic we want, but if no business remakes the scrap into something new, the cycle is broken.
Many bottles, cans, bags, boxes and packaging materials are made with recycled content these days. So check labels. Choose a product that has a high percentage of post-consumer waste over one that does no

Kentucky Standard Ad 08.07.09

2009-08-05T14:38:00.000-04:00

Only 118 Days LEFT!!!

2009-08-04T11:59:00.001-04:00

The homebuyer tax credit is one of 10 key provisions of the American Recovery and Reinvestment Act signed by President Obama into law on Feb. 17, 2009.The bill provides for a $8,000 tax credit that would be available to first-time home buyers for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009. The credit does not require repayment. Most of the mechanics of the credit will be the same as under the 2008 rules: the credit will be claimed on a tax return to reduce the purchaser's income tax liability. If any credit amount remains unused, then the unused amount will be refunded as a check to the purchaser. Julie Moore, Betty Seay Team 502-349-0051

KY HOMES MAG AUGUST 2009

2009-07-27T16:53:00.003-04:00

Crazy little thing called........

2009-07-24T17:26:00.000-04:00

07.24.09

It has been a very busy summer! The fair is over and school starts back in about a week. There has been such an overwhelming amount of grants, tax credits, 1%-5% interest rate programs, Mortgage tax credits, etc. Truthfully the whole thing is really crazy if you look at what we had 12 months ago! There is absolutely no reason not to be buying a home! Example: Client #1 (real life scenario) Buying his first house, getting $5,000.00 welcome home grant, getting to take the $8,000.00 tax credit, getting a killer interest rate at one of our local banks, taking advantage of a special bank loan, and he could buy the $2,000.00 Mortgage 30 year tax credit too!!! Seriously??? Yes!!! Sellers take notice too! These perks aren’t just out there for first time homebuyers! It’s the time to buy!!! It’s the time to sell!!! Deals and perks are out there for the taking, what are you waiting for??? Julie Moore, Betty Seay Team 502-349-0051

KY Standard 07.24.09

2009-07-22T16:50:00.002-04:00

VOTE TODAY

2009-07-14T16:09:00.003-04:00

Check out the "Best Of Nelson County" Ballot online at www.kystandard.com! Don't wait to vote, deadline is July 23rd! Vote for your Nelson County Fav's!!!

Julie Moore, Betty Seay Team 502-349-0051

They just keep making it better everyday!!!

2009-07-14T16:08:00.000-04:00

Governor Steve Beshear's Communications Office
New Home Tax Credit Could Save Kentuckians Thousands

ERLANGER, Ky. – A new tax credit goes into effect this month that could give some Kentuckians thousands of dollars back on the purchase of a new home.
The New Home Tax Credit is an individual income tax credit and applies to a “qualified buyer” who purchases a home on or after July 26, 2009 and before July 26, 2010.
The tax credit is designed to help individuals who are buying a home but don’t qualify for the federal first-time homebuyer credit allowable under the Internal Revenue Code. Under the state program, the home must never have been occupied and must be the principal residence of the qualified buyer for a minimum of two years. The buyer can get up to a $5,000 credit under this program.
“It’s been a really tough year for a lot of Kentuckians,” said Gov. Steve Beshear. “When the legislature met last month, it decided it had to do something to help. This tax credit will go a long way in helping those who qualify become homeowners.”
“This housing legislation will give prospective homebuyers a strong incentive over the next year to buy a new home,” said Rep. Tommy Thompson, of Owensboro. “It will also serve to stimulate local economies and reduce unemployment in the construction industry.”
To qualify, the buyer must submit a credit application within seven days of closing on the property. The Kentucky Department of Revenue will then review the application and when approved, send the buyer a credit allocation letter. That letter must be attached to the income tax return filed for the taxable year during which the qualified principal residence was purchased. There is a $25 million cap and credits will be given on a first come basis until the cap is reached.
Anyone with questions can contact the Department of Revenue’s Income Tax Taxpayer Assistance Sections at (502) 564-4581. See also www.revenue.ky.gov for additional criteria on this program. On the home page, it will be listed under Hot Topics.

Julie Moore, The Betty Seay Team 502-349-0051

GREEN Tips from Edward!

2009-07-13T11:15:00.001-04:00

With natural gas and heating oil prices being what they were the past few winters, it has gradually dawned on many homeowners and renters alike to mind their thermostats carefully through the cold months. Now, that same kind of vigilance is more important than ever when it comes to moderating your warm weather climate control as well.

That's because cooling accounts for nearly half the energy used by the average home during the summer, according to the EPA. The high power loads of air conditioners put considerable pressure on already stressed power grids, and have been blamed for numerous blackouts and rolling brownouts. The generation of the required electricity is a major contributor of greenhouse gases.

As in winter, it really pays to install a programmable thermostat (approximately $150 a year, according to the EPA). Besides improving efficiency, a programmable model provides hassle-free convenience and accuracy, and doesn't contain mercury like the old manual thermostats. Learn about Energy Star modelshere.

Even though the thought of an arctic blast might sound appealing in the dog days of summer, it isn't wise to set your thermostat too low, for your pocketbook or the environment. Aim for 78 degrees Fahrenheit or higher. Also make sure your air conditioning system, including ductwork, is properly maintained and cleaned.

http://www.thedailygreen.com/going-green/tips/3751#ixzz0L9XZWqSE&D

07.08.2009

2009-07-08T16:16:00.002-04:00

GREEN Tip from Edward

2009-07-07T10:37:00.002-04:00

This is pretty interesting...Green your shower curtain!

Choose a natural fabric, such as cotton (organic if you can find it) or bamboo, for your next shower curtain and liner.

Know that familiar smell when you open the package and unfold a new vinyl shower curtain? That's the off-gassing of chemicals from polyvinyl chloride plastic (PVC). One of the chemical additives, DEHP, a phthalate, is a suspected carcinogen and has been linked to hormonal disruption in humans. An EPA study found that vinyl shower curtains can elevate air toxins in your home for more than a month.

The environment doesn't need more plastics and neither do you.

Check out The Daily Green to GREEN your life!
http://www.thedailygreen.com/going-green/tips/3911#ixzz0KaIOKYPA&D

Why buy NOW??????

2009-07-03T15:47:00.001-04:00

Now is a good time to buy. Here’s why:

The Market is Strong
Interest rates are historically low, inventory is abundant and prices are stable.

“All Real Estate is Local”
Market conditions being reported nationally do not necessarily reflect the real estate market in your local community, neighborhood or street. Speak to a REALTOR® who truly knows your local market.

Building Wealth
Owning a home not only provides you with shelter, but it is one of the best ways to build wealth. In addition to the tax benefits, real estate has delivered the most consistent positive return over any long-term investment during the last 40 years.

Timing
The right time to buy (or sell) is when it is right for you. Trying to time the market is extremely difficult as the only way to know the market has hit bottom is when prices are on their way back up.

Qualified Buyers
Underwriting requirements for loans have been tightened; as a result, buyers who are now in the market are more qualified. This means sellers can feel more confident that their sale is going to close.

Did You Know…Mortgage rates are at historic lows, remaining at or below 6%, and well below their all-time highs of over 18% in the 1980s.The rate of return on a housing investment dramatically increases the longer it is held (Harvard University Joint Center of Housing Studies).The median net wealth of a renter household is $4,800, while the median net wealth of a homeowner household is $171,700. (Federal Reserve Survey of Consumer Finances)

Don’t wait!!! Get off the fence and take advantage of these historic opportunities! Julie Moore, Betty Seay Team 502-349-0051.

July Kentucky Homes

2009-06-26T12:09:00.002-04:00

Kentucky Standard Ad 06.26.2009

2009-06-25T11:50:00.002-04:00

2009-06-17T10:53:00.001-04:00

How a REALTOR® Can Save You Time and Money When Selling Your Property:

Pricing REALTORS® can perform a comparative market analysis and provide you current market information to sell your property quickly at the best price and with minimum hassle.

Marketing A REALTOR® can recommend repairs to enhance the salability of your property and expose it to the widest possible audience via cooperative marketing networks, such as the Multiple Listing Service.

Risk Management With their knowledge of fair housing laws and mandatory disclosure requirements, as well as an ethical duty to provide accurate statements in all advertising and representations to the public, REALTORS® can reduce your risk to liability during the transaction.

Inspection REALTORS® can help you determine what inspections and investigations you might want to conduct, prior to listing your home for sale.

Financing REALTORS® can help determine if you need a bridge loan, identify different financing options and refer you to a lender. In addition, they have the ability to pre-qualify prospective buyers ensuring that your privacy and property aren’t unnecessarily compromised.

NegotiationREALTORS® can advise you on the following factors: market conditions, home repairs, furnishings included in the sale or conditional sale issues that may arise.
ClosingEvery area has its own unique closing or settlement customs. A local REALTOR® can help guide you through the process.

Did You Know....Sales of single family homes in Kentucky remain strong, with a drop of less than 6% from 2006 to 2007.In 2007, Kentucky home sellers saw a sales increase of 1% for their homes compared to a 2% decrease for the nation as a whole.Homes sold with the assistance of an agent, typically sell for 32% more than For Sale by Owner (FSBO) homes.

Call the Betty Seay Team for our proven marketing plan! We ARE selling houses!!! Let our diverse experience work for you. Julie Moore, Betty Seay Team 502-349-0051.

06.12.09 Kentucky Standard Ad

2009-06-09T12:18:00.001-04:00

Attention Boomers!

2009-06-04T14:05:00.001-04:00

Pending home sales up three months in a row!

2009-06-04T13:57:00.000-04:00

Pending home sales up three months in a row

Record low mortgage interest rates boosted pending home sales for the third consecutive month, with some benefit now from the first-time buyer tax credit, according to NAR.The Pending Home Sales Index, a forward-looking indicator based on contracts signed in April, rose 6.7% to 90.3 from a reading of 84.6 in March, and is 3.2% above April 2008 when it was 87.5.
Lawrence Yun, NAR chief economist, said buyers are responding to very favorable market conditions. “Housing affordability conditions have been at historic highs, but now the $8,000 first-time buyer tax credit is beginning to impact the market,” he said. “Since first-time buyers must finalize their purchase by November 30 to get the credit, we expect greater activity in the months ahead, and that should spark more sales by repeat buyers.”
NAR’s Housing Affordability Index is in record territory. The affordability index rose to 174.8 in April from an upwardly revised 171.9 in March, and was the second highest monthly reading on record after peaking at 176.9 in January of this year. The HAI is a broad measure of housing affordability using consistent values and assumptions over time, which examines the relationship between home prices, mortgage interest rates and family income; tracking began in 1970.

Julie Moore, Betty Seay Team 502-349-0051

I am GREEN

2009-06-03T10:08:00.003-04:00

In the mail Monday I received my GREEN Designation from the National Association of Realtors. I am one of 19 in the state of Kentucky with this designation and the only one in Nelson County. With my GREEN Designation I can assist you in making your home more eco-friendly.

I decided to take these courses because I realized the importance of green building features, upgrading existing homes, green practices and helping find financial incentives for being more eco friendly.

As always I also want to help my clients to the best of my ability!

Going GREEN is important, please call me if I can be of any assistance to you or your green needs.

Edward Seay

502-349-0051

Passive Solar

2009-06-03T10:07:00.000-04:00

Get passive solar to work for you

The second kind of solar power, passive solar, doesn't involve the (expensive) photovoltaic cells and mechanical systems of active solar, but still takes advantage of the sun to heat your home in one of three ways: direct gain, which collects light through the windows; indirect gain, which stores thermal energy within the walls; and isolated gain, more commonly put to use in a solarium or sun room setup. By thinking about window placement, insulation, and even landscaping–trees can be the ultimate passive solar helpers, since they soak up solar in the hot summer, and let the sun through in the winter—it's possible to help keep your home warm in the winter and cool in the summer.

Kentucky Standard Ad 05.29.2009

2009-05-27T16:17:00.001-04:00

June 2009 KY Homes

2009-05-27T10:47:00.002-04:00

Give your lawn a kick!

2009-05-22T14:01:00.002-04:00

It’s time to make your lawn over! Your yard says so much about your property. Don’t forget to give it a little tlc! Julie Moore, Betty Seay Team 502-349-0051

Spring
*Plug, sprig, or sod new lawns after you've carefully prepared the soil.
*Sharpen the lawn-mower blade.
*Fertilize lawns for spring greenup. If soil is acidic, do not lime until fall.
*Dethatch and aerate the lawn, if necessary.

Summer
*For summer mowing, adjust mower to correct height for the grass in your lawn.
*Water lawn as needed -- frequently if the soil is poor, every 7 to 10 days if the soil is good.
*Use plugs or sprigs to patch any bare spots in the lawn where weeds once grew or insects caused damage.

Fall
*Overseed warm-weather grasses with annual rye to produce a green turf during the winter.
*Sharpen the lawn-mower blade again to help keep the grass healthy.
*Use plugs or sprigs to patch any bare spots in lawn where weeds once grew or insects caused damage.

Winter
*Mow lawn if you overseeded it with ryegrass.
*Install sprinkler system if turf is planted in sandy soil. (This is optional, depending on your watering habits.)
*Service power lawn mower and weed trimmer.

Add some curb appeal to your property!

2009-05-12T10:56:00.001-04:00

Adding some sparkle to your property is easy and inexpensive just by doing some do it yourself projects. Try a few of these tips and you will not only see the different, but you will attract more prospective buyers to your property. Buyers like the neat, low maintenance feel of a well taken care of yard! Julie Moore 502-349-0051

1) Clean up. This is often one of the least expensive yet most significant things you can do to improve the look of your home. Simply picking up the front yard, putting away unused items such as lawn furniture or other random items, and cleaning up the driveway can make a world of difference.
2) Prune and plant. Cleaning up your landscaping is another relatively easy step. Start by pruning trees and shrubs to enhance their beauty. Then do some planting. Use trees to create majesty and focal points. Tall shrubs can frame and accent interesting features of your house and yard—and conceal unsightly garbage cans and the like. Low plants and ground cover tie everything together. Brightly colored flowers in the foreground are a sure way to make a yard look lively.
3) Wash the siding. If you can work safely from the ground or a ladder, this is a job you can do yourself; otherwise, call a handyman or professional pressure-washing service. If doing the cleaning yourself, protect stone and brick walls, patios, and plants with plastic sheeting. Sweep off dirt, working from the eaves to the base. Hose off the walls, again working from the top down. If necessary, scrub with a stiff-bristle brush attached to a long handle, using a mixture of water and non-phosphate detergent. If you decide to use a pressure washer yourself, be very careful to keep the nozzle moving; holding it in one place will remove the paint. See more about pressure-washing siding.
4) Paint. If cleaning doesn’t revive your house’s paint job, painting—though relatively expensive—will give you plenty of bang for your buck, transforming your house with an entirely fresh, new look. If painting the siding is a bit beyond your budget right now, consider painting just the trim.
5) Green up your lawn. Because a front lawn often carpets much of the front yard, its condition is critical to how a house looks from the street. You can start with regular mowing, raking, edging, weeding, and watering. If necessary, fertilize, de-thatch, or aerate it to get it looking great. See our detailed information on buying, planting, and maintaining your lawn.
6) Create visual interest. Fences, arbors, water features—these are just a few of the elements that can add style, character, and visual interest to your front yard.
7) Punch up the path. The walkway and/or steps that lead to your front door can do more than provide safe passage—they can set the tone for your home’s style, from casual to informal, simple to stately. Brick, concrete, stone, tile—you will not lack for choices of materials or styles.
8) Focus on details. Small things can make a big difference. Your mailbox, house numbers, front light, and potted plants on the porch all present a relatively inexpensive but great opportunity to project style and elegance. Above all, be sure your front door is in great shape. If it isn’t, either refinish or replace it.
9) Light the way. Outdoor lighting can be very effective at highlighting your home and yard’s features after daylight hours. Your front yard should have functional path and front porch lighting as well as accent lighting to help create dramatic effects. Home improvement centers carry a variety of low-voltage lighting kits that are made for DIY installations.
10) Garage your cars. Many of us turn our garages into storage rooms and park our cars in the driveway where they clutter the view of the house. If this is the case with your household, maybe it’s time to pare down the paraphernalia to make room for the cars.

GREEN Tips from Edward

2009-05-06T18:14:00.003-04:00

FREE

Do I have your attention now. In February I told you about reusable bags that you can take to the grocery with you. Well, I have found out that you can get a FREE reusable bag! Everyone loves free, I know I do. Don't delay and get a free one!!! Go to the site listed below and start!

http://www.designareusablebag.com/design-a-bag/

Why wouldn't you do this???

What is a Short Sale?

2009-05-06T17:22:00.001-04:00

For owners who can no longer afford to keep mortgage payments current, there are alternatives to bankruptcy or foreclose proceedings. One of those options is called a "short sale." When lenders agree to do a short sale in real estate it means the lender is accepting less than the total amount due.
Our company has had great success doing short sales and communicating with lenders to get the approved. Knowledge and experience is more then half the battle. Give me a call to talk about a possible short sale on your property. Julie Moore, Betty Seay Team 502-349-0051

GREEN your paint?!?!

2009-05-06T10:16:00.003-04:00

6 ways to Green Your Paint

Applying paint is an inexpensive way of revamping the look of a room. But conventional options can bring them them some unwelcome health and environmental problems. Choosing eco-friendly paints, like those with fewer VOCs, made from natural materials, or produced using recycled materials, can go a long way to improving the eco-value of your space. And don't forget to take measure to limit your paint use and properly dispose of what you've got left, too.

Buy low- or no-VOC latex paint
These paints contain fewer or no volatile organic compounds (VOCs) so they do less harm to the environment as well as to human and animal health.
Estimate paint coverage using a paint calculator
Carefully estimating the amount of paint you need will prevent you from having a lot of leftover material when you're finished your home makeover.
Choose natural paints
These paints contain natural ingredients such as plant oils and milk protein that emit few to no VOCs, and some, such as clay plasters, even add a unique wall texture to your space.
Choose recycled paint
Using recycled paint conserves landfill space, saves raw materials and cuts down on paint disposal costs and mishaps.
Use a safe paint recycling or paint disposal method
Improperly disposing of paint by dumping it down drains, sewers, or in your garbage pollutes land, water, and air.
Hire a certified lead specialist to remove lead-based paint
If you have lead-based paint in an area you want to repaint, removing it yourself carries a considerable health risk.

http://www.greenyour.com/home/home-improvement/paint/tips?category=9463

2009-04-30T12:07:00.001-04:00

First Time Home Buyers Listen Up!

2009-04-28T17:24:00.001-04:00

The income limits are as follows for Nelson County:

1 - 2 person household Income up to $55,200
3 or more household Income up to 64,400

The borrower must contribute $500 to the closing costs and this money can be used for closing costs or down payment. First Time Homebuyers will have to complete a homebuyer counseling program. Applications can start being submitted on May 1st. Let me know if you have any other questions. Julie Moore Betty Seay Team 502-349-0051 Thanks for the info Patti!

2009-04-28T13:47:00.002-04:00

This is a great piece of information. As for Nelson County I would add that it is VERY important in our market to list with a local agent! Agents that market in this area and belong to the local MLS service, this will allow for the best coverage on your property! Call me for information about our one of a kind marketing plan! Julie Moore, Betty Seay Team 502-349-0051

Things to ask your Listing Agent!
By: Tyler Fawcett
There are so many Realtors working in any given real estate market, how can you be sure that you have the right one? Selling your home is a huge undertaking and it requires both time and professionalism. Here are a few things that you can ask your prospective realtor to ensure that you are getting the best possible representation in the market.

1. Are you a full time realtor? This is important because selling your home is a full time job. You need a representative that can dedicate their full attention to the task at hand.
2. Are you always available? This goes hand in hand with #1. A dedicated realtor will always be available to field questions about your property and to show off your home. The real estate market runs 24/7, so should your realtor.
3. What's your track record like? One of the best indications of the ability of a realtor is how many homes they have sold. This is also a good indication of how much effort your realtor is willing to put into a given project.
4. What's the marketing plan for my home? This is definitely an area that you should spend some time researching. In real estate, marketing is one of the single most important aspects of the home sale. A good realtor will cover all of the primary media outlets that are available. Full color newspaper ads, open houses and a web site are essential.
5. What kind of web presence do you have? In today's real estate market the importance of a solid web presence cannot be stressed enough. Most buyers will look on the Internet long before they start visiting homes and you want your home to be easily accessible on the web.
6. Do you work with a team? Agents that utilize teams have some distinct advantages in that more people and hours can be dedicated to the selling of your property. Also, people can be reached to answer questions and relay information about your home at all hours. Many teams also have buyers agents as members, this can help in bringing more potential buyers to your home.
7. References. Never be afraid to ask your realtor for references. Nothing will speak more highly of their abilities than the testimonials of happy and satisfied customers. If they are hesitant to give references, you should be hesitant to give them your business.

The real estate business is a high stakes game. What's on the line? Your home. You should always be comfortable and completely confidant in the ability of your realtor to help you realize the best possible profit when you sell your home. Take some time and do your homework when choosing someone to sell your home. It's likely one of the most important transactions you will ever be involved in.

Hot off the press for home buyers!

2009-04-23T11:57:00.002-04:00

Good news for buyers! No payments on the $4,500 until July 2010 and $300.00 forgiven if you pay it back before that date. Which would be easy to do if a buyer get the $8,000.00 tax credit as well! This is not a grant like the welcome home grant that will be released May 1, it is a loan for your down payment. Call me for more information Julie Moore, Betty Seay Team 502-349-0051.

KY HOME MAG MAY 2009

2009-04-22T14:54:00.001-04:00

What's my property worth and should I wait to sell it?

2009-04-21T15:36:00.003-04:00

Experts Optimistic Despite Tight Credit Conditions

Senior real estate executives believe market conditions are getting better, despite constricted credit conditions in the commercial market, according to the Real Estate Roundtable Sentiment Survey for the second quarter.Nearly 60 percent of the 120 survey respondents say that they expect conditions in the real estate market will get better within a year. This view is reflected by a slight uptick in the Overall Q2 2009 Sentiment Index, which is at 41, up from last quarter's score of 38 and its low point of 33 six months ago.Most executives are troubled by the lack of access to capital. Eighty-eight percent of respondents think it’s harder to get a loan compared to a year ago, yet 69 percent of respondents believe the situation will turn around in the next year. Likewise, 86 percent of respondents think equity financing has deteriorated from a year ago, yet 68 percent of respondents predict it will improve in the next year.One survey respondent observed, "There is access to both equity and debt, but they're expensive. Banks are being very selective and are trying to pick survivors."Roundtable members' portfolios contain over 5 billion square feet of office, retail and industrial properties; over 1.5 million apartment units; and in excess of 1.3 million hotel rooms. Participating trade associations represent more than 1.5 million people involved in virtually every aspect of the real estate business

In Nelson County our company has seen a large increase of movement from buyers and our inventory is shrinking quickly. NOW IS THE TIME TO LIST! DO NOT WAIT! Values are good, sales are strengthening, and buyers are looking! If you would like to get more information about listing your property or just want an idea of what you should list at, give us a call. Our team will put together a very specific competitive market analysis for you to review! Let us put of experience and proven marketing plan to work for you. The Betty Seay Team has closed over 2.2 million in sales since April 1st and still going! Julie Moore, Betty Seay Team 502-349-0051

GREEN Tips from Edward!

2009-04-15T11:52:00.002-04:00

While reading about GREENING your life I came across an article that walked about Mobile Phones and Newspapers. I think this is interesting, so I am going to pass this along to you.

Mobile devices can have a positive effect on the environment! A study conducted by the University of California, Berkeley revealed that receiving your news wirelessly on your PDA instead of having a printed subscription delivered to your mailbox requires up to 140 times less carbon dioxide and the consumption of between 26 to 67 times less water. This same study reports that if 25 percent of newspaper readers in the US switched to reading their news on a PDA, they'd cut their news reading CO₂ emissions by 97 percent and eliminate the need for 14 million print newspapers.

The Benefits of using a REALTOR

2009-04-15T10:38:00.001-04:00

The Benefits of Using a REALTOR®

1. REALTORS® build communities. The role of REALTORS® in our communities goes far beyond the real estate transaction process of buying and selling. As local business owners and residents, REALTORS® are vested in building healthy and vibrant communities across the country, neighborhood by neighborhood.

2. REALTORS® add value to the real estate transaction.REALTORS® handle hundreds, if not thousands, of real estate transactions over the course of their careers, and can counsel and guide sellers through the process. They have the expertise and experience to help sellers protect their investment and help buyers build theirs.

3. REALTORS® are strong advocates for homeowners and homeownership. Every year, REALTORS® lead the way on Capitol Hill and Frankfort to keep homeownership a top national priority. Strong REALTOR® support for the mortgage interest deduction and other federal policies helps keep housing more affordable and makes housing a great investment.

4. REALTORS® have access to specialized training in real estate. Other licensees are not able to take advantage of specialty courses where REALTORS® learn to develop skills in guiding clients and customers through the complex real estate transaction process.
What Does This Accomplish?It saves you Time, Money and Adversity... REALTORS® add value to a real estate transaction.That's what home buying and selling consumers said in an independent survey of the general public released by the National Association of REALTORS®. Here's a brief look at some of the results:
» Nearly eight out of ten consumers believe REALTORS® can show buyers a better selection of homes than they can find on their own.
» 78% of the general public believe real estate professionals offer them a broader selection of housing alternatives than they would otherwise find.
» 74% agree that using a real estate broker saves time.
» 70% agree that real estate professionals make buying or selling a home much easier.
Julie Moore, Betty Seay Team 502-349-0051

Kentucky Standard Ad 04.17.2009

2009-04-15T10:29:00.002-04:00

Absorption Rate and what does it means to you?

2009-04-08T13:49:00.001-04:00

04.07.2009
Absorption Rate and what does it mean to you?
The absorption rate is the length of time it would take to sell the current inventory of a given market area at the current sales rate. This rate changes month to month and season to season. Many factors affect the current sales rate.
Per data from the OKH board of realtors on 03/18/2009
Active Residential Listings: 500
Sales in the last 30 days: 23
Make the absorption rate: 21.7 months for that period of time!

That is something to think about……….
For more information and/or more specific data for your neighborhood, call The Betty Seay Team! Julie Moore, Betty Seay Team 502-349-0051

6 reasons why it is still a good time to buy!

2009-04-06T09:50:00.004-04:00

6 Reasons why it is now time to jump in!

1. Uncle Sam is helping you. First time buyers, defined as anyone who hasn’t owned a home in the last three years, are entitled up to a maximum $8,000 tax credit. The Federal Reserve is doing its best to make mortgage loans available to you, AND interest rates are at record lows!!

2. You have to live somewhere... Approximately 800,000 new households are made each year in the USA. This ensures that the market should tighten even if the economy does not soar.

3. Borrowers leverage their investment. IF $10,000 in the stock market earns 10%, you earned $1,000. If you put $10,000 down on a home, and its values increases 10%, you've made $10,000...

4. When prices come back up, you will have instant equity. In areas where foreclosures have driven down home prices, better times mean the price of the home you buy will rise rapidly.

5. Mortgage costs stay the same. If you get a fixed-rate mortgage, the monthly payment will stay the same, while everything else (including rent) goes upward.

6. You own it! There is something satisfying that comes with owning your home. You can paint it whatever color you want, have a pet run around, and have a yard to let the kids play in.

Read From: The Wall Street Journal, June Fletcher (03/27/2009)

2009-04-02T17:05:00.000-04:00

Welcome Home Grant

2009-04-01T11:05:00.000-04:00

$5,000 Grant Money Available In May 2009!

Per Patty Nichter at Kentucky Home Bank, “The "Welcome Home Grant" is a program from the Federal Home Loan Bank of Cincinnati offers to its member banks to assist eligible first time homebuyers with funds to help cover closing costs or down payment. Each year the amount and program requirements can change. Last year it was a grant of up to $5,000. They have not given us the guidelines or the grant amount for this year at this time - we are expecting the program to be available in early May.”
In 2009 the grant money was given to buyers to pay their down payments and closing cost. The requirements did have income limits included. Please check back for more information on this topic as it becomes available. Julie Moore, Betty Seay Team 502-349-0051.

GREEN Tips from Edward!

2009-03-25T11:10:00.001-04:00

Tips for staying cool this summer

- at night time open your doors or windows that have screens in them, this allows the wind to flow through the house. When doors are shut, the temperature rises.

- Turn on your ceiling fan, when the air is moving, your skin knows it.

- As you know electrical appliances generate heat, TV’s Fridge’s are two of the main culprits of heat in a house. When you are not watching TV, turn it off! Tips for the refrigerator are to not over pack the fridge and do not open the door for long periods of time, because you lose the coolness of the air.

- Switch to CFL light bulbs, you know, the ice cream cone looking ones. 80% or more of the energy is wasted through the heat in the incandescent bulbs.

- Lighter color curtains reflect heat better than darker curtains. Dark curtains attract the heat.

- AND, if you have pets, you can always take a plastic tub, put a little water in it, and allow them to sit in it…This can be a little messy if they getup and down a lot, but this is a good way to help them out too!

List of current foreclosures!!!

2009-03-23T15:29:00.000-04:00

Do you want a list of the current foreclosures?

If you would like a list of current foreclosures that are for sale in our area. Please give the Betty Seay Team a call! We have an up to date list of homes in ALL price ranges and locations. It is easy, free, and no hassles! Call Julie Moore, Betty Seay Team 502-349-0051 or email bettyseayteam@bellsouth.net.