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Residential & Commercial Real Estate Leader

Buying A Home in Northern Kentucky

Buying a house in Northern Kentucky commands your attention like few other ventures. Ken Perry Realty realizes this is not only a serious investment, it is the place you will call your neighborhood and your home.

Working with Northern KY home buyers over the years has taught us an important lesson: prospective purchasers have many questions. Affordability, location, and time required to complete the search and buying process are areas where prospects benefit from good, reliable information.


First-Time Home Buyer in Northern Kentucky

Pre-Qualification: In order to get clarity on the amount your family can reasonably afford to pay for your home, it is wise to meet with a mortgage broker.

Pre-Approval: Sellers have been found to be more receptive toprospective buyers who have received pre-approval. An additional benefit is avoiding disappointment by zeroing in on homes that are within your price range. By applying for a mortgage and receiving a commitment in writing from a lender, the seller can be confident you are a serious buyer for their property. Pre-approval costs are normally nominal and lenders will often permit you to pay them when you close the home loan.

Document Needs and Wants: You may find it prudent to develop 2 lists. The first should include items which are non-negotiable. The number of bedrooms you need for the size of your family is a good example, or a single story dwelling if accessibility is a factor. The second list is where you identify features you would like to have (pool, den, etc.) but which are not deemed absolutely necessary. Realistically, first-time buyers find it difficult to meet all the desires on the wish list, but it keeps you focused and on track.

Competent Professional Representation: Consider retaining the services of a real estate agent who represents you, the buyer, versus the seller.

Focus & Organization :  Determine a dedicated location for items that will assist you in optimizing your home search efforts. Such items may include:

  1. One or more detailed maps with your areas of interest highlighted.

  2. A file of the properties you have been shown.

  3. Notes taken during your search.

  4. Digital camera to help refresh your memory on individual properties, especially if you are attending a series of showings. Video is an option here as well.

Location: Examine the potential property as if you are selling it. Would another buyer find it attractive based on schools, crime rate, proximity to shopping, parks, freeway access. etc?  It is also wise to consider negative factors like abandoned properties, garbage dumps, sources of noise, etc. Here are a few areas to find a house for sale : Alexandria, Fort Thomas, Fort Mitchell, Villa Hills and other areas in Northern Kentucky

Be Objective: The tendency is to think with your heart when you find a home you like, so take time to also think with your head. Ask: does this home really meet our needs? There are many houses on the market, so don't make a hurried decision that could cause regret afterward.

Be Thorough: A few extra dollars wisely spent now may save you big expenses in the long run. Some important essentials:

  1. Include inspection & mortgage contingencies in your written offer.

  2. Have the property inspected by a professional inspector.

  3. Request a second walk-through to take place within 24 hours of closing.

  4. You want to personally verify no changes have been made which were not agreed upon. An example might be a chandelier that you assumed came with the sale having been replaced by a cheap ceiling light.


Having a professional represent you and keep track of all the details for you is highly recommended. Ken Perry Realty is here to help with this process. Financing a home in Northern Kentucky should be a great experience.