November 20, 2008

“But what if mortgage rates drop next month…”, “I’d hate to pay too much for a home”, “I want to buy at the absolute bottom of the market…not a penny more!” “What if I buy now and then price go down again – I’ll be upside down within a few months!”

It’s human nature to want the best deal – the nicest house for your money – the lowest possible interest rate. But while caution may be good in choosing which stocks have good investment potential, many people lose sight of the fact that the primary reason for buying a home is to provide shelter for you and your family. Yes, I know that many have speculated in real estate over the last few years and cashed in on the escalating home prices. But those days are not these days.

Today your main motivation should be to find the best fit for your budget and your family. Does it really matter whether you pay 5% or 4% for a mortgage if you find a home that fits nicely into your conservative financial plan? Isn’t it more important to have a space for your daughter to practice the piano away from the noisy den than to have a cheap house with a floor plan that’s all wrong? Or wouldn’t you enjoy a beautiful shade tree in the back yard where you can hang a hammock more than a great deal on a home right next to a busy road?

Yes, there will be buyers who will buy at the lowest prices of the century and get a low mortgage too. But will they have the luxury of picking out a home that fits their needs, that nurtures their soul? Will they find a home that makes them go “Aaaaaah!” at the end of the day as they walk through the front door? Or will they merely use the space as a functional place to lay their head.

If you look to what makes a house a home, you’ll find that the grass is just as green, if not greener in a home chosen for love rather than money!

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Local Information for Nicholasville, KY

Latitude: 37.88267 -- Longitude: -84.576585

ZIP Codes for Nicholasville, Kentucky	40340 40356
Area Code for Nicholasville, Kentucky	859
Time zone for Nicholasville, Kentucky	EST

Other Area Cities: Nicholasville, KY Lexington, KY

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As of the census of 2000, there were 19,680 people, 7,370 households, and 5,498 families residing in the city. The population density was 896.0/km² (2,319.8/mi²). There were 7,783 housing units at an average density of 354.4/km² (917.4/mi²). The racial makeup of the city was 93.05% White, 4.38% African American, 0.25% Native American, 0.28% Asian, 0.05% Pacific Islander, 0.59% from other races, and 1.39% from two or more races. Hispanic or Latino of any race were 1.50% of the population. There were 7,370 households out of which 40.8% had children under the age of 18 living with them, 55.7% were married couples living together, 14.7% had a female householder with no husband present, and 25.4% were non-families. 20.3% of all households were made up of individuals and 7.2% had someone living alone who was 65 years of age or older. The average household size was 2.63 and the average family size was 3.02. -- Source: Wikipedia.com

Kentucky 2000 Census Population Profile Map

	Nicholasville	Kentucky	United States
Population	19,680	4,041,769	281,421,906
Median age	31.4	35.9	35.3
Median age for Male	30.1	34.6	34
Median age for Female	32.9	37.1	36.5
Households	7,370	1,590,647	105,480,101
Household population	19,417	3,926,965	273,643,273
Average household size	2.63	2.47	2.59
Families	5,500	1,104,398	71,787,347
Average family size	3.02	2.97	3.14
Housing units	7,783	1,750,927	115,904,641
Occupied units	7,370	1,590,647	105,480,101
Vacant units	413	160,280	10,424,540

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November 20, 2008

Local Information for Nicholasville, KY

Latitude: 37.88267 -- Longitude: -84.576585

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