Cindy Crutcher Real Estate Broker Exit Realty Crutcher Lawrenceburg Ky

EXiT Realty Crutcher Sales Associate Receives REALTOR® Designation

Keith Pound, REALTOR® and Auctioneer

Exit Realty Crutcher is pleased to announce that one of its sales associates Keith Pound of Louisville, Kentucky, recently completed required course work of the REALTOR® Institute. The REALTOR® Institute is offered by the Kentucky Real Estate Education Foundation, the educational arm of the Kentucky Association of REALTORS®.

By completing all the classes of the REALTOR® Institute, a student is awarded the nationally recognized Graduate, REALTOR® Institute (GRI) designation. With over 90 hours of classroom hours of real estate instruction with emphasis on topics such as legal liabilities, professional standards, home construction, and specialized areas such as appraisal, taxation, financing, real estate investments, and property management, the designation is awarded exclusively to REALTORS®. Pound is also a licensed auctioneer with over 25 years experience conducting auctions in the Louisville market and surrounding counties. "Keith has always been mindful of his education and desires to be in the forefront of knowledge so he can pass this along to his customers and clients. This designation demonstrates his commitment to helping others," said Cindy Crutcher, Broker of Exit Realty Crutcher.

The Kentucky GRI program is offered throughout Kentucky in one and two day courses, and is certified and approved by the National Association of REALTORS®, the nation's largest trade association, with a membership of over 800,000.

For more information about Exit Realty Crutcher, please call 502-267-4836. Exit Realty Crutcher is located at 1905 Blankenbaker Pkwy, Louisville, KY 40299.

Come to Lawrenceburg, Kentucky and tour the Kavanaugh House. It is a beautiful historic home that once housed the county high school. Now the Kavanaugh House is a bed and breakfast with the best tea room in Central Kentucky. They serve a variety of foods on their menu and it is always freshly prepared. You immediately feel right at home on the beautiful wrap-around porch in the summertime.

The Kavanaugh House is located on Hwy 62 East and is centrally located between the Bluegrass Parkway and I-64. After enjoying a meal and before sitting down to relax, take a tour of one of our famous distilleries. Lawrenceburg is the home of Wild Turkey and Four Roses. Both feature tours and gift shops.

The Anderson County Chamber of Commerce is sponsoring a Business Expo on February 28th, 2009 at Eagle Lake Convention Center.

Local and regional businesses will be on hand to demonstrate and share what their businesses have to offer consumers.

Entertainment is being provided by several individuals and groups from the Lawrenceburg community.

The action begins at 9:00a.m. and ends at 2:00 p.m.

A chili lunch is available for $5 and is provided by the Christian Academy of Lawrenceburg.

Eagle Lake Convention Center is located on the corner of Hwy 127 and Hwy 151 in Lawrenceburg.

Admission is free so bring a friend and enjoy the day!

Click here for more information on the Lawrenceburg Business Expo: http://www.andersonchamberky.org/id1.html or contact

Many buyers are struggling with the fact that they may need 3% to 4% of the purchase price to be able to obtain financing and purchase a home. Many ask "where has the 100% loan gone". There are two types of 100% financing available to buyers looking for homes in Lawrenceburg, Kentucky.

The first is the USDA Rural Development loan and the other is the RHS loan. These loans do have caps on the buyers income and there are maximum purchase prices. The interest rates are very competitive. Sellers can contribute to the buyers closing costs; therefore, a buyer can get in a home without any out of pocket expense.

If you are looking to purchase a home in Lawrenceburg or other surrounding counties of Kentucky, you may want to check out these two types of financing. Good luck and happy home hunting!

Cindy Crutcher "The Crutch You Can Lean on" 502-680-9822

Cindy@ExitRealtyCrutcher.com

Exit Realty Crutcher

Is a home inspection necessary? Did someone ever ask that question or am I just dreaming? Why would someone not conduct a home inspection? Is it because they are not required by law? Is it because the buyer wants to save his money? Is it because Uncle or Dad knows all about construction and can give their opinion?

Home inspections are not required in the state of Kentucky when purchasing a home. Therefore, I am often ask a series of questions about the home inspection. The dialog usually goes something like this.

Question #1: "Do you think the home inspection is really necessary"?

My Answer: "You bet".

Question #2: "Do you think I really need a professional"?

My answer: "You bet".

Question #3: "Do you think there is anything wrong with the home that the seller didn't disclose"?

My answer: "You bet". (Do you see mold in the picture?)

After many years in the real estate business in Kentucky, I know that Uncle or Dad do not have the experience necessary to do a thorough home inspection for the buyer. As good as their intentions are for their family, it may cause much costly grief later. Let Uncle of Dad come and discuss the inspection with the professional, but do let a professional conduct the inspection.

Does the seller ever forget to disclose something? I know they have and will. As an example, I have lived in my home for over 20 years and when it was built the basement door bell was never connected to any wiring. Therefore. you can push that button all day, but I would never hear a ring and know that you were at my door. It has been this way for a long time and if I sold my home today, I would probably forget to disclose that defect. I have had seller's spend hours on the seller disclosure working diligently to list any known defect. It never fails that they call the next day to inform me of something they forgot. Try as many sellers may, they can miss something that needs to disclosed.

Is a home inspection a 100% guarantee that all defects will be found? There is nothing in life that is 100% perfect. The only thing that has ever been was crucified! Home inspectors are human and mistakes can occur. However, your chances are slim that major defects will not be found during a home inspection.

I am not familiar with home inspection requirements in other parts of the country, but I would guess that many states do not require professional home inspections. If you are a buyer considering purchasing a home, do not purchase without a home inspection. This is experience talking to you! If you are an agent, please comment and let all of us know if your area requires a home inspection.