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Erby Crofutt, the Central Kentucky Home Inspector, Lexington KY HI-2041

Spooktacular - Trick or Treating

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Spooktacular - Trick or Treating
It was a dark & spooky night
Dark and Spooky Night for Trick or Treating - Georgetown, KY Home Inspector
The clouds were red with
the setting sun.
Spooks on Halloween - Georgetown Kentucky Home Inspector
The spooks were prowling
the area!
Spooks on Halloween2 - Georgetown Kentucky Home Inspector
One brought food storage

with her!

Including cereal on top

of the refrigerator!
Super Hero on Halloween - Georgetown Kentucky Home Inspector
Fortunately, the super heroes
were also prowling the area
to keep us safe!
                                                                         The spooks walked away
with about 3 pounds of candy
AND the superheroes carried
away almost 6 pounds
of candy.
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Thansgiving Help needed at the A.M.E.N. House in Georgetown

Georgetown Kentucky Home Inpector Thanksgiving Dinner ABaskets 

HELP...Needed for Thanksgiving at the AMEN House

Every year the A.M.E.N. House, a Scott County Kentucky charitable organization that serves over 400 families a month, give baskets containing "Fixin's for a Thanksgiving Meal" to several needy families.  This year with the poor economy they have a greater need but fewer donations.  They would like to hand out 150 baskets but at this point they only have the donations for about 50.  The cost of each basket is between $20 to $25.

A recent Georgetown Chamber of Commerce event drew in funding for quite a few addtional baskets but NOT ENOUGH to meet the needs of the underprivileged in Scott County.

If you can help, by donating personally or collect food or donations from co-workers, please DO!

YOUR $25.00 bill (OK, you can write a check) wil provide one family with a decent Thanksgiving Meal!

The following is a list of items each basket will contain:

  • Turkey
  • Stuffing
  • Sweet Potatoes
  • Instant Mashed Potatoes
  • Gravy
  • Cranberry Sauce
  • Peas
  • Green Beans
  • Corn
  • Some type of dessert

Any items can be dropped off at the A.M.E.N. House at 319 E. Main Street, Georgetown, KY between the hours of 9am to noon, Monday through Friday.

If you would like to send a check, please make it out to A.M.E.N. House and write "Thanksgiving Basket" in the memo section. The mailing address is: 
A.M.E.N. House
P.O. Box 211
Georgetown, KY  40324

Shop with a Cop - Georgetown, KY - Dec 19th, 2009

Help the Cops Help the Kids

The 2009 Shop with a Cop program will be held at a Georgetown Department Store on Saturday, December 19th, 2009 at 7:00 AM.

This event, conducted by the Royal Springs Lodge of the Fraternal Order of Police gives underprivleged kids $125.00 to spend on Christmas. The children are accompanied by local law enforcement officers as their shopping companion.

Tax Exempt Donations provide the funding for the program. Donations can be made to
"Shop with a Cop",
401 Outlet Center Drive,
Suite #230,
Georgetown, KY 40324.

"Share the Joy" , a jont community holiday effort, helps choose the children for participation in the program.

The Family and Youth Services Centers at all Scott County Schools accept applications for children to participate in the program.

Visit the
Lodge Website for more details of this charitable event.

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Halloween at Ward Hall, Georgetown, KY

Ward Hall in Georgetown, KentuckyWard Hall, a historic mansion in Georgetown, KY is having a Haunted Plantation Tour for Halloween.

EXPERIENCE THE HORRORS AND HAUNTINGS OF A TIME GONE BY AT THE MID-1850'S HAUNTED PLANTATION. RELIVE EVERYTHING FROM SOUTHERN BELLES TO JACK THE RIPPER.

STORY TELLER AND AUTHOR KEVEN MCQUEEN WILL BE TELLING GHOSTLY STORIES OF KENTUCKY AND SIGNING COPIES OF HIS BOOK "THE KENTUCKY BOOK OF THE DEAD" ON THURSDAY EVENING.

CONCESSIONS/SOUVENIRS AVAILABLE ON THE GROUNDS EACH NIGHT.

THURSDAY OCTOBER 29TH STARTS AT 8PM
FRIDAY OCTOBER 30TH STARTS AT 8PM
SATURDAY OCTOBER 31ST STARTS AT 8PM

ADMISSION:
12 AND UP $8.00
UNDER 12 $5.00

NOTE: NOT RECOMMENDED FOR CHILDREN UNDER AGE 10


Kentucky Housing puts up $5 Million for First Time Home Buyers

Saw this online this morning and wanted to share it! More good news for first time home buyers but a short timeline to "git er done"!

============================
Kentucky Home Inspectors millions for first time home buyersKENTUCKY HOUSING CORPORATION (KHC) HAS SET ASIDE $5 MILLION FOR THIS PROGRAM FOR NEW RESERVATIONS THROUGH NOVEMBER 30, 2009


First Home ADVANTAGE

LOAN AMOUNT
Up to $4,500 In $100 increments. Defer payment untilJuly 1, 2010.


WHAT IS IT?
Second mortgage with P&I payments deferred until July 1,
2010.

ELIGIBLE USES
Down payment and closing costs related to a home purchase.

BORROWER ELIGIBILITY

Must obtain a KHC first mortgage through an approved KHC lender and be a first-time home buyer.

INCOME AND PURCHASE PRICE LIMITS

Must meet KHC income and purchase price guidelines.

TERM AND RATE

After the initial deferral period, the loan will fully amortize over ten years, starting July 1, 2010, at the current first mortgage interest rate not to go below 6 percent.

UNDERWRITING GUIDELINES
Borrowers must have a 620 minimum credit score. Follow agency and KHC guidelines when applying for a second mortgage loan as down payment assistance. Must include the second mortgage loan obligation in the calculation of the borrower’s total housing expense, even though the payment is deferred until July 1, 2010.

DISCLOSURE

Borrower will receive a disclosure detailing information on the terms of the loan, the tax credit, and the option to repay KHC through the federal tax credit.

CLOSING DOCUMENTS

KHC will provide the note and mortgage for the second mortgage in the closing documents set with the first mortgage documents.

APPLICATION FEE

$50 KHC second mortgage fee charged at closing.

FEES

Processing fee to lender for second mortgage: $50.
For more information, contact
Kentucky Housing Corporation’s Homeownership Department toll-free in

Kentucky at (800) 633-8896 or (502) 564-7630, extension 291, or TTY 711.

HURRY!
FIRST HOME ADVANTAGE PROGRAM ENDS ON NOVEMBER 30
====================

I hope it helps a few home buyers and stimulates the market like it was intended!



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