Then, when you make an offer on the house, you can specify that Title Company in your DEAL.
Good luck and may God bless
The question asked is a hard one to put a direct formula on. The reason why is that there are so many things that influence it. The taxes for example in Jefferson county can be based on the sale price times .0094, but if it is in a small city or the old Louisville city limits you have to allow for their taxes also. Homeowners insurance is so different depending on the age of the house, cost of the house and any updates. The PMI is different on the amount you put down or the loan program you use. Rural Housing loans have less PMI than FHA loans for example. If you have a home that you are interested in let me know and I can get a more precise number for you. Thanks, Ron 502-939-3827
As a mortgage professional, what I would need to know to provide an accurate answer is the purchase price of the property and location of the property. I would be happy to discuss your financing options with you.
Joel Lobb (NMLS#57916)
Senior Loan Officer
Key Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*
Louisville, KY 40222*
As far as insurance goes, it just depends on your agent, and or his/her affliliation. Personally, I like going the independent insurer route versus the big companies like Allstate or State Farm. An independent will shop rates and services among several companies. I have nothing but great things to say about ours. They helped get us through the ice storm three years ago.
For PMI, talk to a mortgage lender. They can probably ballpark with just a phone call.
If you have any other questions, I would love to help. "Like" Homestead Fred on FB and ask away!
Taxes are usually around 1% a year of the home's value - depending on the area in Louisville.
Insurance quotes have many variables too- my Husband is an Insurance Agent if you need an exact quote.
Please let me know how I can help!
As you can see from the answers so much more info would be needed to give an answer If you are not represented by a good qualified, experience agent please call me and I will assisat you through the entire process