Are you paying your mortgage down or your landlord’s?

mortgage pic

Have you put off owning a home because of the obligation of having a mortgage? Regardless, you are paying a mortgage – either your mortgage or your landlord’s.

As a recent paper from the Joint Center for Housing Studies at Harvard University explains:

“Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return. That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.”

What are the benefits of owning over renting? If you purchase with a 30-year fixed rate mortgage, your ‘housing expense’ is locked in over the thirty years for the most part, depending on what type of loan you choose. If you rent, the one guarantee you will have is that your rent will increase over that same thirty year time period.

Something to think about………


Information provided by the KCM Blog

Our new listing in Cheviot….cute cape cod style. Check it out!

3541Meadow Ave Cheviot

Updated 3BR 2Full BA cape cod! Includes a finished basement, Sunroom, 2 car garage, newer roof/water heater/AC/glass block windows/kitchen/and appliances! Pool and all equipment stay, includes front loader washer/dryer and wood burning stove! Home warranty offered as well!

Cheviot kitchen

This home is loaded with extras!!! The best deal in Cheviot! 9 ft ceilings through out first floor!! This home has also been dry sealed and is guaranteed not to leak!!!!!

Come smell the roses, or at least tour this home on Rose Lane in Covington!

Rose Lane

This great 3BR/2 BA home is in mint condition! With freshly painted walls, new carpet and a nice sized kitchen, this home walks out to the over half acre back yard. The one car garage is attached and includes TONS of storage in the basement. The finished basement has a study, which could also be used as 4th BR. Enjoy the warm summer nights while relaxing on your front porch and watching the fireworks after the REDS bring home a win! Great fenced back yard as well! This home qualifies for the zero down USDA Program. For more information, contact us at 859.991.9035 or visit

Looking for investment properties? We have 2 Available….as a package or separate!

1211 Garrard St.

In need of an investors to turn this huge property into a great home!! Currently a two family, but can easily be converted into a single family! Great lot!! Walking distance to shopping and downtown Covington.


Our next listing is super cute!

1327 Garrard St.1327 Garrard Kitchen

2 BR and 1 SWEET bath! Gorgeous kitchen with tile flooring, back splash, and newer appliances! Super huge lot, NEW 42 inch plasma TV and a 1 year home warranty! Tenants live in this property,  so must have at least a 6 hour notice to show.

Contact us today for more information on these properties or any of our other listings, please contact us at 859.991.9035 or

Pine Hill Front

Adorable three bedroom home, with one and a half baths and many upgrades, located in Highland Heights.

Pine Hill Kitchen

Gorgeous Contemporary Kitchen with tile floors and black/stainless steel appliances. Has a perfect eat in area as well!

Pine Hill BackPine Hill Back Yard

Nice size deck with flat back yard, and a park within walking distance.

Call us today for your own private tour of this home! 859.991.9035 or visit for more information.

Interesting facts, especially if you are in your 30′s…

turning 30

NAR’s Home Buyer and Seller Generational Trends Study for 2014, revealed that Millennials comprised 31 percent of recent purchases, leading all other age groups. Here are the percentages for other generations:

  • 30% – Generation X
  • 30% – Boomer Generation
  • 9% – Silent Generation

NAR chief economist Lawrence Yun explained:

“Given that Millennials are the largest generation in history after the baby boomers, it means there is a potential for strong underlying demand. Moreover, their aspiration and the long-term investment aspect to owning a home remain solid among young people.”

Other findings from the report:

  • 87% of recent buyers age 33 and younger said they consider their home purchase a “good financial investment”
  • Millennials were most likely to have a simple desire to own a home of their own as their motive for purchasing
  • The median age of recent Millennial buyers was 29
  • The median income was $73,600.
  • 87% purchased an existing home, and they plan to stay in their homes for a median 10 years.
  • Younger buyers relied more heavily than older groups on real estate agents to help them navigate the process.

Bottom Line

Millennials are in the market and recognize the importance of using a real estate professional to guide them to the closing table.

Contact us today on how to get pre-approved for a loan and what the whole real estate process entails at 859.991.9035.


Information courtesy of KCM Blog.

40 Beautiful Acres – Build or just play, it’s up to you!



33 W KY Hwy 330 Falmouth

Private 40 acre track, perfect for your new home site, or your weekend get-a-way! ATV, horses, cattle, farming, or the best hunting around! Tons of wild life at your feet! Contact us for more information at 859.991.9035 or at

330 W KY Hwy 330 Falmouth 2

2 ponds located on property. Huge tobacco barn in terrific shape! Just minutes from restaurants, and grocery store.

Rankin front

Well maintained 3 BR, 1.5 BA brick home in Erlanger.  This great Ranch has a finished basement and a walk-out to the matured tree lined back yard. The charming kitchen is bright with plenty of cabinet space and walks out to the private sun room and deck. With neutral paint and carpet through out the home, it’s decor ready for any furniture color/style. The cozy wood burning stove is perfect for those cold winter nights and saving money on heating bills. The horseshoe drive gives extra parking without blocking the garage. Call us today for your own private showing! It’s priced right, looks great and won’t last long! 859.991.9035. Visit for more pictures or information.

Rankin living room

Click on the map link below for directions to this property:,+Erlanger,+KY&hl=en&sll=37.822293,-85.76824&sspn=5.231937,10.821533&oq=3916+Rankin&hnear=3916+Rankin+Dr,+Erlanger,+Kentucky+41018&t=m&z=16






Is a Wrap Around Porch on your wish list? We have one of those listed right now!

Jenni Lane

Any view from this wrap around porch is a good one. Imagine enjoying your morning coffee or a glass of ice cold sweet tea in the summer. With 3 bedrooms and 4 1/2BA, this home is a one of a kind! The upgraded kitchen has granite counters, a pantry and plenty of prep space. Off of the kitchen is a formal dining room that will be perfect for hosting your family holiday dinners. Notice the amazing architecture, beautiful windows and professional landscape. The large master bedroom attaches to the master bath that looks and feels like a spa! The Lower level runs the length of the house with tons of entertaining space, pool table and storage. Bring your car collection or start your own in this 5+garage spaces. Imagine all of this on 2.45 acres with a country feel and views, yet just minutes away from I75! Call us today to schedule your own private tour at 859.991.9035 or visit for more information and photo’s.


Our newest listing – Stop in this weekend for our Open House!


This stunning 4 Bedroom Arlinghaus home has a great kitchen with new appliances and beautiful stone back splash. The eat in kitchen walks out to the stone paver patio, stone creek, amish shed, and swing set on a level and fenced back yard. The cozy living room has a  stone gas fireplace that opens up into the eat-in kitchen. Also included in this great home is newer carpet, fresh paint, light fixtures and a widened driveway. This home has plenty of room for a growing family. If this home fits the qualifications that your family is looking for, please give us a call. This area is hot right now and this home will NOT last long!

Open House this Sunday, March 23rd from 1-3:00! If you can’t make it but are still interested in viewing this great home, please contact us at 859.991.9035 or visit our website at

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