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Welcome to the Bluegrass and Central KY area! Here You Can Find Great Information on Mt. Sterling and the surrounding towns including Winchester, Lexington, Paris, Carlisle and other cities in the Bluegrass and Central Kentucky. 

Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes. 

Need local real estate information? We've summarized much of what is important about the Mt. Sterling, Paris, Winchester and Lexington real estate market in this site. 

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. 

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? we want to be YOUR real estate agent. As your trusted, professional real estate partner, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. 

Buying and selling a home is one of the biggest events in your life. As top Mt. Sterling, Paris, Winchester and Lexington real estate agents, we have the experience and track record you are looking for. Let us help you today. 

- Billy, Lacy & John, The Sterling Team 

 




School Reports in Mt. Sterling, Winchester and Lexington, Kentucky
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Real Estate Tips
Financing Your Home >Balloon Mortgages

In loan terminology a "balloon" is the unpaid loan balance that must be paid in full on a specified due date. Federal savings and loan associations are permitted to make balloon mortgages with as little as five percent down and monthly payments that are smaller than the amount needed to fully amortize the debt. On the due date, which may be only a few years after the loan was made, the balance must be paid off or the loan must be renegotiated. Balloon borrowers must be cautious and plan carefully to avoid overlooking balloon payment obligations. It is easy to be lulled into complacency by the easy monthly payment terms.

Today's complex economics have produced a wide variety of options for potential borrowers, who are often surprised by how much house they can afford to buy. Loan approval is ultimately in the lender's hands, but your real estate agent can help you to determine your real buying power.

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Real Estate Trivia
Q 
Where is the world's oldest hotel?

A 
The Hotel Ryokan in the village of Awazu, Japan dates back to AD 717, when an inn was built near a hot spring reported to have miraculous healing properties.
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Lacy C. Gay, REALTOR®, real estate agent and broker for Mt. Sterling, Winchester and LexingtonKentucky home listings, property and land for sale - NUMBER1EXPERT(tm)

The Sterling Team
Sterling Real Estate & Auction, LLC

420 W. Main St.
Mt. Sterling, KY 40353
Lacy: 859-585-1213
Billy: 859-497-1589
John: 859-749-2787
Office: 859-499-4342
Fax: 859-499-4359
Email: Lacy@LacyGay.com
Email: Billybromagen@yahoo.com
Email: jhfarmsandhomes@gmail.com

Buying or selling what probably is your biggest investment should not be a headache, so let us take the pain out of the whole process. We are always ready and willing to listen and be of service to you and your families needs. Let us help make a new beginning for you!

Equal Housing MLS REALTOR


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