Oldham County, La Grange and Crestwood real estate and homes for sale in Kentucky - Lee Hamilton, REALTORS® Lee Hamilton REALTORS(r) for Oldham County, La Grange and Crestwood, Kentucky real estate - NUMBER1EXPERTS™ Lee Hamilton NUMBER1EXPERTS(tm) for Oldham County, La Grange and Crestwood, Kentucky real estate
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Lee Hamilton, REALTOR®, real estate agents and broker for Oldham County, La Grange and Crestwood Kentucky home listings, property and land for sale - NUMBER1EXPERT(tm)
Thanks for the opportunity to help you! Please do not hestitate to call or write to me (502) 817-3713 or LeeHamilton@Semonin.com


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We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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"We had the pleasureof working with Lee"
"We needed an agent that would find ways to get buyers to our home"
"Jeff and Kim P.
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Mortgage Prequalification: Oldham County, La Grange and Crestwood Kentucky home buying, real estate listings, and homes for sale in Oldham County, KY
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Oldham County, La Grange and Crestwood real estate agents to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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School Reports in Oldham County, La Grange and Crestwood, Kentucky
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Real Estate Tips
Financing Your Home >When Interest Rates Rise

Many people fall out of the home buying market when interest rates start to go up. This is often a mistake. Many of the best mortgages deals become available when lenders are competing for new business and sellers are competing within a smaller buyer pool. You just have to know how to keep the costs down in order to counter the higher interest rates.

One of the best tricks is the buy-down. In a buy-down, a fee is paid at the closing to get a lower interest rate. In a soft market, an anxious seller may be lured into to paying all or part of the buy-down. Another approach is to get the seller to pay some of closing costs, thus lowering the amount of cash a buyer needs to close. Frequently the seller's costs can be used as a write-off by the buyer. Always consult with your tax advisor if you are considering such an arrangement.

If the market is softening due to rising or higher rates, the price itself becomes an area where a buyer may be able to save a lot of money on a house through skillful negotiating. Lower prices mean lower loan amounts, so don't be discouraged by higher rates--use them to your advantage.

See All Tips In The "Financing Your Home" Category >
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Real Estate Trivia
Q 
What famous hotel did John Wayne, Lee Marvin & Elvis Presley stay at while filming on Kauai?

A 
The Coco Palms
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School Reports
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Lee Hamilton, REALTOR®, real estate agents and broker for Oldham County, La Grange and Crestwood Kentucky home listings, property and land for sale - NUMBER1EXPERT(tm)

Lee Hamilton
Semonin Realtors Chairman's Club

1230 Market Street
La Grange, KY. 40031
Phone: 502-222-2333
Cell: 502-817-3713
Fax: 502 329 5344
Email: leehamilton@NUMBER1EXPERT.com

Lee Hamilton, of Semonin Realtors, achieves results with superior customer service and innovative real estate marketing strategy. A deep knowledge of the Louisville Metro, Oldham and Henry counties and constant monitoring of changes in the real estate industry makes Lee one of the best in the business.

Equal HousingMLSREALTOR


Semonin Realtors real estate and homes for sale in Oldham County, La Grange and Crestwood Kentucky

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