About Daviess County, KY

4512 Shady Creek Cove, Owensboro, Ky 42303

Great family home with 4 bedrooms, two and a half baths, large kitchen with family area, large rear yard, two car garage and lots of attic storage. Contact Connie Lou Barnett @ Home Realty/GMAC, 3424 Frederica Street, Owensboro, Ky 42301 Phone 270-684-6221 X 214 or Cell # 270-929-0369

If you're considering buying your first home, you're not alone. Low interest rates, affordable home values as well as a $8000 tax credit* have many Americans considering purchasing their first home. It's important to be prepared to act when the right home finds you.

10 Steps to Prepare for Home ownership:

1. Decide how much home you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.

2. Develop a wish list of what you'd like your home to have. Then prioritize the features on your list.

3. Select three or four neighborhoods you'd like to live in. Consider items such as schools, recreational facilities, area expansion plans, and safety.

4. Determine if you have enough saved to cover your downpayment and closing costs. Closing costs, including taxes, attorney's fee, and transfer fees average between 2 percent and 7 percent of the home price.

5. Get your credit in order. Obtain a copy of your credit report.

6. Determine how large a mortgage you can qualify for. Also explore different loans options and decide what's best for you.

7. Organize all the documentation a lender will need to pre-approve you for a loan.

8. Do research to determine if you qualify for any special mortgage or down-payment-assistance programs.

9. Calculate the costs of home ownership, including property taxes, insurance, maintenance, and association fees, if applicable.

10. Find an experienced Tony Clark REALTOR^® who can help you through the process.

Ready to Buy a Home? Let Angela Clark's experience be your guide!

Call Angela Clark at 270-929-4022 & discuss your home options. www.AngelaRClark.com

Angela Clark, GRI, ABR, Realtor

270-929-4022 Cell

270-926-0055 Office

Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky

Understanding Your Credit
Your credit report is a record of information about your credit payment history. Private companies called credit bureaus compile credit reports. There are three primary credit bureaus in the United States: Equifax, Experian, and TransUnion. Each of the credit bureaus gathers information about consumers from a combination of public records, such as court documents and property tax rolls, and reports provided by businesses, such as banks, finance companies, and utility companies.
You can purchase a copy of your credit report directly from each of the credit bureaus. If you are denied credit based on information in a credit report, the lender must tell you which reporting bureau was used, and the credit bureau must then provide you with a copy free of charge. If you disagree with information in your credit report, you have the right to challenge that information. If you want to purchase an on-line version of your personal credit report, please contact:
Equifax 1600 Peachtree St. NW Atlanta, Georgia 30309 1-800-685-1111 http://www.equifax.com/	Experian 34405 W. 12 Mile Rd. Farmington Hills, MI 48331 1-888-397-3742 http://www.experian.com/	Trans Union P.O. Box 390 Springfield, PA 19064-0390 1-800-916-8800 http://www.transunion.com/
At Tony Clark Real Estate, we depend on information in your credit report to help us decide if we can extend to you a rental housing agreement or purchasing property. If you're not sure what's in your credit report, may we suggest you review it before applying for a loan. Many consumer experts suggest that you review your credit report for accuracy at least once a year. Don't assume that you must have perfect credit to qualify for a loan. There are numerous financial products available, tailored to the needs of the individual. Mortgage programs such as FHA (Federal Housing Administration) and VA (Veteran's Administration) allow for a greater income to debt ratio. Talk to your Tony Clark agent that may be available to you, and to the home you are wanting to purchase.

Ready to Buy a Home? Let Angela Clark's experience be your guide! Call Angela Clark at 270-929-4022 & discuss your home options. www.AngelaRClark.com

Angela Clark, GRI, ABR, Realtor

270-929-4022 Cell

270-926-0055 Office

Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky