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Whether It Be a Farm or a Home We've Got You Covered! Call Us and Let Us Help You Today! 859-499-4342.
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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Thank you so much for helping us find our house Lacy. Imagine if you hadn't crawled in the window we might not be here now. Kristi & Gordon
You have a story to tell about me. You've worked with me, and I've helped you buy or sell a home. I need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell me how I did... 
Financing Your Home >The Language of Financing
When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.
You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.
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| Q |
From 1974 to 1996, what was the world's tallest habitable building?
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| A |
The Sears Towers, headquarters for Sears, Roebuck & Co., with 110 stories and 1,454 feet high. |
 See More Real Estate Trivia > |
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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!   
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